(XYF) X Financial - Ratings and Ratios

X Financial Class A (NYSE:XYF) operates as a personal finance services provider in China, offering a range of financial products through its online marketplace. This platform connects borrowers with investors and institutional funding partners, facilitating various loan products such as the Xiaoying credit loan, which includes the Xiaoying card loan and preferred loans for small business owners. Additionally, the company provides Xiaoying housing loans, enabling property owners to leverage home equity. Their investment offerings extend to wealth management products like funds, money market investments, and insurance through the Xiaoying wealth management platform. The company also engages in technology development, product sales, and provides guarantee and consulting services. Incorporated in 2014 and headquartered in Shenzhen, X Financial is strategically positioned in a dynamic financial market. Web URL: https://www.xiaoyinggroup.com

Based on the provided data, X Financials stock (NYSE:XYF) is trading at $10.60 with a market cap of $462.27M. The P/E ratio of 2.61 indicates undervaluation, while the P/B ratio of 0.49 suggests the stock is trading below its book value. The high RoE of 19.48% reflects efficient equity use. Technically, the stock is in a short-term uptrend, as indicated by the last price above the 20 and 50-day SMAs, but a long-term downtrend is signaled by being below the 200-day SMA. The ATR of 0.55 points to moderate volatility. Over the next three months, the stock is expected to face resistance at $12, supported by the 200-day SMA, with potential for a pullback to $8.50 if support at $9.20 fails. Investors should monitor macroeconomic conditions and regulatory changes in Chinas financial sector, which may impact performance.