Market Cap 215.17M
Revenue (ttm) 804.43M
Net Income (ttm) 210.97M
EPS (ttm) N/A
PE Ratio 0.90
Forward PE N/A
Profit Margin 26.23%
Debt to Equity Ratio 0.07
Volume 185,200
Avg Vol 250,246
Day's Range N/A - N/A
Shares Out 41.78M
Stochastic %K 20%
Beta 0.46
Analysts Strong Buy
Price Target $1.70

Company Profile

X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. The company offers Xiaoying credit loans, which are online personal credit loan products comprising Xiaoying card loans and other unsecured loan products; and Xiaoying housing loans, a secured home equity loan product. It also provides guarantee, consulting, e-commerce, and microcredit services. In addition, the company engages in the technology development and service,...

Industry: Credit Services
Sector: Financial Services
Phone: 86 75 5862 82977
Address:
Aerospace Science and Technology Plaza, 7 - 8F, Block A No. 168, Haide Third Avenue Nanshan District, Shenzhen, China
lillaccio
lillaccio Feb. 2 at 10:38 PM
$XYF assuming constant buyback of $200.000 per day trading, today we should’ve hit the threshold of 37 million outstanding shares.
0 · Reply
ValueInvestor2000
ValueInvestor2000 Feb. 2 at 5:12 PM
$XYF this guy is so off. 75% of their earnings lost? Show ss of your convo with your “guy” at IR
0 · Reply
meJimmy22step
meJimmy22step Feb. 2 at 3:56 PM
$XYF to the people screening for liars, IR isnt giving out any numbers
0 · Reply
ValueInvestor2000
ValueInvestor2000 Feb. 2 at 3:05 PM
0 · Reply
ValueInvestorSparky
ValueInvestorSparky Feb. 2 at 6:18 AM
$XYF to the people who screened this for value: they will lose at least 75% of their earnings for 2026. maybe negative. i speak with the Investor relations head every other week, the new regs are going to hit the firm hard. 0.9x p/e is misleading, 4x fwd is optimistic. Still, I like this stock given management is great, wont cut divi, buyback friendly and ongoing. Fundamentally speaking, you will get a good return at $5, the question is, do you buy into such an ugly chart, and before earnings have even materially contracted? I'd wait.
1 · Reply
ValueInvestor2000
ValueInvestor2000 Jan. 30 at 4:25 PM
0 · Reply
Arcides
Arcides Jan. 29 at 5:35 PM
$XYF down 63% since this post, i kept hearing this is a gem in fundamental terms, but market keep crushing it, new 52 weeks low.
1 · Reply
ValueInvestor2000
ValueInvestor2000 Jan. 29 at 3:10 PM
$XYF why this gem down? No news no nothing. Picking up many shares here.
0 · Reply
franciumusa
franciumusa Jan. 29 at 2:46 PM
$XYF any news or just a normal fuckery?
1 · Reply
dddanielek
dddanielek Jan. 27 at 6:33 PM
$XYF picked up few shares. This could be the bottom.
0 · Reply
Latest News on XYF
Top 3 Financial Stocks That Could Blast Off This Month

Dec 17, 2025, 6:28 AM EST - 6 weeks ago

Top 3 Financial Stocks That Could Blast Off This Month

NOAH RC


X Financial (XYF) Q3 2025 Earnings Call Transcript

Nov 21, 2025, 12:43 PM EST - 2 months ago

X Financial (XYF) Q3 2025 Earnings Call Transcript


X Financial to Hold Annual General Meeting on December 18, 2025

Nov 18, 2025, 5:50 AM EST - 2 months ago

X Financial to Hold Annual General Meeting on December 18, 2025


X Financial: The Most Likely Path Forward Is Still Pointing Higher

Oct 20, 2025, 11:23 AM EDT - 3 months ago

X Financial: The Most Likely Path Forward Is Still Pointing Higher


X Financial (XYF) Q2 2025 Earnings Call Transcript

Aug 19, 2025, 10:37 AM EDT - 6 months ago

X Financial (XYF) Q2 2025 Earnings Call Transcript


X Financial: An In-Depth Look At This Dirt Cheap Compounder

Jul 14, 2025, 6:58 PM EDT - 7 months ago

X Financial: An In-Depth Look At This Dirt Cheap Compounder


X Financial (XYF) Q1 2025 Earnings Call Transcript

May 20, 2025, 9:56 AM EDT - 9 months ago

X Financial (XYF) Q1 2025 Earnings Call Transcript


X Financial Files Annual Report on Form 20-F for Fiscal Year 2024

Apr 25, 2025, 7:27 AM EDT - 10 months ago

X Financial Files Annual Report on Form 20-F for Fiscal Year 2024


X Financial (XYF) Q4 2024 Earnings Call Transcript

Mar 20, 2025, 3:52 PM EDT - 11 months ago

X Financial (XYF) Q4 2024 Earnings Call Transcript


X Financial: Why The Trip Upwards Is Likely Not Over

Mar 12, 2025, 8:22 AM EDT - 11 months ago

X Financial: Why The Trip Upwards Is Likely Not Over


X Financial (XYF) Q3 2024 Earnings Call Transcript

Nov 27, 2024, 10:25 AM EST - 1 year ago

X Financial (XYF) Q3 2024 Earnings Call Transcript


X Financial (XYF) Q2 2024 Earnings Call Transcript

Aug 22, 2024, 2:05 PM EDT - 1 year ago

X Financial (XYF) Q2 2024 Earnings Call Transcript


X Financial Announces Results of Tender Offer

Jul 15, 2024, 7:00 AM EDT - 1 year ago

X Financial Announces Results of Tender Offer


X Financial (XYF) Q1 2024 Earnings Call Transcript

May 31, 2024, 1:45 PM EDT - 1 year ago

X Financial (XYF) Q1 2024 Earnings Call Transcript


X Financial (XYF) Q4 2023 Earnings Call Transcript

Mar 27, 2024, 1:11 PM EDT - 2 years ago

X Financial (XYF) Q4 2023 Earnings Call Transcript


X Financial (XYF) Q3 2023 Earnings Call Transcript

Nov 23, 2023, 4:25 AM EST - 2 years ago

X Financial (XYF) Q3 2023 Earnings Call Transcript


X Financial to Hold Annual General Meeting on December 22, 2023

Nov 17, 2023, 6:00 AM EST - 2 years ago

X Financial to Hold Annual General Meeting on December 22, 2023


X Financial Resumes Growth As Regulatory Risks Abate

Oct 25, 2023, 5:39 AM EDT - 2 years ago

X Financial Resumes Growth As Regulatory Risks Abate


X Financial (XYF) Q2 2023 Earnings Call Transcript

Aug 29, 2023, 10:39 AM EDT - 2 years ago

X Financial (XYF) Q2 2023 Earnings Call Transcript


X Financial (XYF) Q1 2023 Earnings Call Transcript

May 25, 2023, 12:19 PM EDT - 2 years ago

X Financial (XYF) Q1 2023 Earnings Call Transcript


lillaccio
lillaccio Feb. 2 at 10:38 PM
$XYF assuming constant buyback of $200.000 per day trading, today we should’ve hit the threshold of 37 million outstanding shares.
0 · Reply
ValueInvestor2000
ValueInvestor2000 Feb. 2 at 5:12 PM
$XYF this guy is so off. 75% of their earnings lost? Show ss of your convo with your “guy” at IR
0 · Reply
meJimmy22step
meJimmy22step Feb. 2 at 3:56 PM
$XYF to the people screening for liars, IR isnt giving out any numbers
0 · Reply
ValueInvestor2000
ValueInvestor2000 Feb. 2 at 3:05 PM
0 · Reply
ValueInvestorSparky
ValueInvestorSparky Feb. 2 at 6:18 AM
$XYF to the people who screened this for value: they will lose at least 75% of their earnings for 2026. maybe negative. i speak with the Investor relations head every other week, the new regs are going to hit the firm hard. 0.9x p/e is misleading, 4x fwd is optimistic. Still, I like this stock given management is great, wont cut divi, buyback friendly and ongoing. Fundamentally speaking, you will get a good return at $5, the question is, do you buy into such an ugly chart, and before earnings have even materially contracted? I'd wait.
1 · Reply
ValueInvestor2000
ValueInvestor2000 Jan. 30 at 4:25 PM
0 · Reply
Arcides
Arcides Jan. 29 at 5:35 PM
$XYF down 63% since this post, i kept hearing this is a gem in fundamental terms, but market keep crushing it, new 52 weeks low.
1 · Reply
ValueInvestor2000
ValueInvestor2000 Jan. 29 at 3:10 PM
$XYF why this gem down? No news no nothing. Picking up many shares here.
0 · Reply
franciumusa
franciumusa Jan. 29 at 2:46 PM
$XYF any news or just a normal fuckery?
1 · Reply
dddanielek
dddanielek Jan. 27 at 6:33 PM
$XYF picked up few shares. This could be the bottom.
0 · Reply
lillaccio
lillaccio Jan. 26 at 4:30 PM
$XYF whaddo you say? Shall we punish all the sellers?
1 · Reply
ValueInvestor2000
ValueInvestor2000 Jan. 26 at 3:04 PM
$XYF I love this to be honest. Loving buying the dip for this every time.
0 · Reply
Exceptionnels
Exceptionnels Jan. 22 at 2:54 PM
$XYF Float is getting lower from buyback
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ValueInvestor2000
ValueInvestor2000 Jan. 22 at 2:37 PM
$XYF facts. Added last night a bunch, adding today if it drops again.
1 · Reply
lillaccio
lillaccio Jan. 22 at 12:07 PM
$XYF $XYF the more the share price tanks, the better will be the return of the buybacks.
0 · Reply
ValueInvestor2000
ValueInvestor2000 Jan. 22 at 11:25 AM
0 · Reply
NVDAMillionaire
NVDAMillionaire Jan. 21 at 4:17 PM
$XYF Brilliant piece that captures XYF's situation perfectly. So if you want to update your understanding of XYF or get to know XYF better, this is essential reading. https://everyticker.com/quote/XYF/analysis/x-financial-s-regulatory-reckoning-why-a-1-25-p-e-multiple-signals-deep-value-amid-china-s-fintech-reset-nyse-xyf
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BillionerOfKing
BillionerOfKing Jan. 20 at 5:43 PM
$XYF Current Stock Price: $6.07
0 · Reply
ValueInvestor2000
ValueInvestor2000 Jan. 20 at 4:23 PM
0 · Reply
ValueInvestor2000
ValueInvestor2000 Jan. 16 at 10:23 AM
0 · Reply
lillaccio
lillaccio Jan. 15 at 11:05 PM
$XYF just for curiosity I dig into a past 2018 balance sheet to see the radical valuation difference. In September 2018 company IPOed at $9.50 per ADS (1 ADS was equal to 2 ordinary shares). Total equity was 465 million dollars and tha capitalization was almost 1.4 billion dollars. Now today equity almost tripled from 465million to 1.1 billion dollars yet valuation shrinked to less than 250 million. Crazy, if you buy a good company at the wrong price you might end really bad.
1 · Reply
ValueInvestor2000
ValueInvestor2000 Jan. 15 at 8:41 PM
$XYF this might be one of the most undervalued stocks out there. Any price below $6.50 is a gift. Already loaded the truck.
0 · Reply