(XYF) X Financial - Overview
Exchange: NYSE •
Country: China •
Currency: USD •
Type: Common Stock •
ISIN: US98372W2026
Stock: Credit Loans, Housing Loans, Guarantee, Consulting
Total Rating 36
Risk 94
Buy Signal -0.58
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.54% |
| Yield on Cost 5y | 15.32% |
| Yield CAGR 5y | 76.57% |
| Payout Consistency | 49.4% |
| Payout Ratio | 2.2% |
| Risk 5d forecast | |
|---|---|
| Volatility | 58.3% |
| Relative Tail Risk | -10.0% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.27 |
| Alpha | -45.73 |
| Character TTM | |
|---|---|
| Beta | 0.697 |
| Beta Downside | 1.411 |
| Drawdowns 3y | |
|---|---|
| Max DD | 73.99% |
| CAGR/Max DD | 0.29 |
Description: XYF X Financial December 24, 2025
X Financial (NYSE:XYF) is an online personal-finance platform headquartered in Shenzhen, China. Through its Xiaoying brand, the firm offers unsecured personal credit loans (including card-linked loans) and secured home-equity loans, complemented by guarantee, consulting, e-commerce, and micro-credit services, while also developing and selling fintech technology solutions.
As of Q2 2024, XYF reported a 23% YoY increase in total loan disbursements to roughly CNY 8.5 billion, with an NPL ratio of 1.9%-below the industry average of 2.4%-and a net profit margin of 12.3%. The company’s growth is driven by China’s expanding household credit demand, supported by the People’s Bank of China’s recent easing of mortgage-rate caps, while tighter regulatory scrutiny on consumer-finance fintechs remains a key risk factor.
For a deeper dive into XYF’s valuation metrics and peer comparison, see the analysis on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 6.0
| Net Income: 1.79b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.10 > 0.02 and ΔFCF/TA 3.34 > 1.0 |
| NWC/Revenue: 163.8% < 20% (prev 329.7%; Δ -165.9% < -1%) |
| CFO/TA 0.10 > 3% & CFO 1.52b > Net Income 1.79b |
| Net Debt (-324.5m) to EBITDA (2.45b): -0.13 < 3 |
| Current Ratio: 4.51 > 1.5 & < 3 |
| Outstanding Shares: last quarter (6.98m) vs 12m ago -85.67% < -2% |
| Gross Margin: 57.36% > 18% (prev 0.45%; Δ 5692 % > 0.5%) |
| Asset Turnover: 44.84% > 50% (prev 29.18%; Δ 15.66% > 0%) |
| Interest Coverage Ratio: 0.95 > 6 (EBITDA TTM 2.45b / Interest Expense TTM 2.49b) |
Altman Z'' 7.61
| A: 0.66 (Total Current Assets 12.42b - Total Current Liabilities 2.76b) / Total Assets 14.69b |
| B: 0.37 (Retained Earnings 5.51b / Total Assets 14.69b) |
| C: 0.18 (EBIT TTM 2.36b / Avg Total Assets 13.15b) |
| D: 0.82 (Book Value of Equity 5.58b / Total Liabilities 6.76b) |
| Altman-Z'' Score: 7.61 = AAA |
Beneish M -4.00
| DSRI: 1.03 (Receivables 3.07b/1.71b, Revenue 5.90b/3.39b) |
| GMI: 0.78 (GM 57.36% / 44.67%) |
| AQI: -18.00 (AQ_t 0.15 / AQ_t-1 -0.01) |
| SGI: 1.74 (Revenue 5.90b / 3.39b) |
| TATA: 0.02 (NI 1.79b - CFO 1.52b) / TA 14.69b) |
| Beneish M-Score: -13.92 (Cap -4..+1) = AAA |
What is the price of XYF shares?
As of February 08, 2026, the stock is trading at USD 5.26 with a total of 284,983 shares traded.
Over the past week, the price has changed by +2.14%, over one month by -13.06%, over three months by -56.35% and over the past year by -35.00%.
Over the past week, the price has changed by +2.14%, over one month by -13.06%, over three months by -56.35% and over the past year by -35.00%.
Is XYF a buy, sell or hold?
X Financial has no consensus analysts rating.
What are the forecasts/targets for the XYF price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 1.7 | -67.7% |
| Analysts Target Price | 1.7 | -67.7% |
| ValueRay Target Price | 6 | 14.3% |
XYF Fundamental Data Overview February 04, 2026
Market Cap CNY = 1.49b (214.6m USD * 6.9418 USD.CNY)
P/E Trailing = 0.8929
P/S = 0.0272
P/B = 0.1786
Revenue TTM = 5.90b CNY
EBIT TTM = 2.36b CNY
EBITDA TTM = 2.45b CNY
Long Term Debt = 12.7m CNY (from capitalLeaseObligations, last fiscal year)
Short Term Debt = 566.4m CNY (from shortTermDebt, last quarter)
Debt = 566.4m CNY (from shortLongTermDebtTotal, last quarter)
Net Debt = -324.5m CNY (from netDebt column, last quarter)
Enterprise Value = 1.17b CNY (1.49b + Debt 566.4m - CCE 890.9m)
Interest Coverage Ratio = 0.95 (Ebit TTM 2.36b / Interest Expense TTM 2.49b)
EV/FCF = 0.77x (Enterprise Value 1.17b / FCF TTM 1.51b)
FCF Yield = 129.5% (FCF TTM 1.51b / Enterprise Value 1.17b)
FCF Margin = 25.58% (FCF TTM 1.51b / Revenue TTM 5.90b)
Net Margin = 30.39% (Net Income TTM 1.79b / Revenue TTM 5.90b)
Gross Margin = 57.36% ((Revenue TTM 5.90b - Cost of Revenue TTM 2.52b) / Revenue TTM)
Gross Margin QoQ = 68.05% (prev 40.66%)
Tobins Q-Ratio = 0.08 (Enterprise Value 1.17b / Total Assets 14.69b)
Interest Expense / Debt = 92.68% (Interest Expense 524.9m / Debt 566.4m)
Taxrate = 15.99% (80.2m / 501.4m)
NOPAT = 1.99b (EBIT 2.36b * (1 - 15.99%))
Current Ratio = 4.51 (Total Current Assets 12.42b / Total Current Liabilities 2.76b)
Debt / Equity = 0.07 (Debt 566.4m / totalStockholderEquity, last quarter 7.93b)
Debt / EBITDA = -0.13 (Net Debt -324.5m / EBITDA 2.45b)
Debt / FCF = -0.22 (Net Debt -324.5m / FCF TTM 1.51b)
Total Stockholder Equity = 7.51b (last 4 quarters mean from totalStockholderEquity)
RoA = 13.63% (Net Income 1.79b / Total Assets 14.69b)
RoE = 23.88% (Net Income TTM 1.79b / Total Stockholder Equity 7.51b)
RoCE = 31.44% (EBIT 2.36b / Capital Employed (Equity 7.51b + L.T.Debt 12.7m))
RoIC = 24.88% (NOPAT 1.99b / Invested Capital 7.98b)
WACC = 6.15% (E(1.49b)/V(2.06b) * Re(8.49%) + (debt cost/tax rate unavailable))
Discount Rate = 8.49% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -8.00%
[DCF Debug] Terminal Value 87.54% ; FCFF base≈1.23b ; Y1≈1.51b ; Y5≈2.58b
Fair Price DCF = 3048 (EV 69.18b - Net Debt -324.5m = Equity 69.51b / Shares 22.8m; r=6.15% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 72.49 | EPS CAGR: 17.69% | SUE: N/A | # QB: 0
Revenue Correlation: 90.57 | Revenue CAGR: 51.57% | SUE: N/A | # QB: 0
P/E Trailing = 0.8929
P/S = 0.0272
P/B = 0.1786
Revenue TTM = 5.90b CNY
EBIT TTM = 2.36b CNY
EBITDA TTM = 2.45b CNY
Long Term Debt = 12.7m CNY (from capitalLeaseObligations, last fiscal year)
Short Term Debt = 566.4m CNY (from shortTermDebt, last quarter)
Debt = 566.4m CNY (from shortLongTermDebtTotal, last quarter)
Net Debt = -324.5m CNY (from netDebt column, last quarter)
Enterprise Value = 1.17b CNY (1.49b + Debt 566.4m - CCE 890.9m)
Interest Coverage Ratio = 0.95 (Ebit TTM 2.36b / Interest Expense TTM 2.49b)
EV/FCF = 0.77x (Enterprise Value 1.17b / FCF TTM 1.51b)
FCF Yield = 129.5% (FCF TTM 1.51b / Enterprise Value 1.17b)
FCF Margin = 25.58% (FCF TTM 1.51b / Revenue TTM 5.90b)
Net Margin = 30.39% (Net Income TTM 1.79b / Revenue TTM 5.90b)
Gross Margin = 57.36% ((Revenue TTM 5.90b - Cost of Revenue TTM 2.52b) / Revenue TTM)
Gross Margin QoQ = 68.05% (prev 40.66%)
Tobins Q-Ratio = 0.08 (Enterprise Value 1.17b / Total Assets 14.69b)
Interest Expense / Debt = 92.68% (Interest Expense 524.9m / Debt 566.4m)
Taxrate = 15.99% (80.2m / 501.4m)
NOPAT = 1.99b (EBIT 2.36b * (1 - 15.99%))
Current Ratio = 4.51 (Total Current Assets 12.42b / Total Current Liabilities 2.76b)
Debt / Equity = 0.07 (Debt 566.4m / totalStockholderEquity, last quarter 7.93b)
Debt / EBITDA = -0.13 (Net Debt -324.5m / EBITDA 2.45b)
Debt / FCF = -0.22 (Net Debt -324.5m / FCF TTM 1.51b)
Total Stockholder Equity = 7.51b (last 4 quarters mean from totalStockholderEquity)
RoA = 13.63% (Net Income 1.79b / Total Assets 14.69b)
RoE = 23.88% (Net Income TTM 1.79b / Total Stockholder Equity 7.51b)
RoCE = 31.44% (EBIT 2.36b / Capital Employed (Equity 7.51b + L.T.Debt 12.7m))
RoIC = 24.88% (NOPAT 1.99b / Invested Capital 7.98b)
WACC = 6.15% (E(1.49b)/V(2.06b) * Re(8.49%) + (debt cost/tax rate unavailable))
Discount Rate = 8.49% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -8.00%
[DCF Debug] Terminal Value 87.54% ; FCFF base≈1.23b ; Y1≈1.51b ; Y5≈2.58b
Fair Price DCF = 3048 (EV 69.18b - Net Debt -324.5m = Equity 69.51b / Shares 22.8m; r=6.15% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 72.49 | EPS CAGR: 17.69% | SUE: N/A | # QB: 0
Revenue Correlation: 90.57 | Revenue CAGR: 51.57% | SUE: N/A | # QB: 0