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Buy Day today: Neutral (54) Mixed market breadth · no major macro event
XYF

X Financial Class A

Financial Services · Credit Services · listed since 2018

5.20$ +0.8% vs. previous close Closing price · As of: Sep 29, 2026
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Price history

Chart

Interactive price chart (TradingView).

52-week range: 3.40 $ to 14.60 $ · Last price: 5.20 $ (As of: September 29, 2026)

Key figures

Key figures at a glance

Every figure we hold for this stock, grouped by topic. The question mark next to a label explains what the number means.

Basics

Market Cap ?The value of the entire company on the market: share price times total shares outstanding. 0.2$B
Shares Outstanding ?Total number of shares issued. Price times share count gives market cap. 21m
Float ?Share of stock freely tradable on the market — not locked up in the hands of founders, insiders, or major shareholders. 67.1%
Beta ?Volatility versus the overall market: 1 = moves like the market, 2 = twice as much, under 1 = calmer than the market. 0.5

Performance

Perf. 1M ?Price performance over the last month. 16.00%
Perf. 3M ?Price performance over the last 3 months. 9.40%
Perf. 6M ?Price performance over the last 6 months. 0.60%
YTD Performance (%) ?Price performance since the start of the year (Year to Date). -4.29%
52-Week-High Distance ?How far the price sits below its highest point over the last 52 weeks. 0% means the stock is at its year high. -66.0%
Perf. 1Y ?Price performance over the last 12 months. -57.31%
Perf. 3Y ?Price performance over the last 3 years. 55.61%
Perf. 5Y ?Price performance over the last 5 years. 59.16%
Perf. Since Inception ?Price performance since the first available trading day (09/19/2018) — with a complete history, that is since the IPO. -81.06%

Technical Indicators

MA 38 Days ?Moving average of the last 38 trading days: the smoothed price path. A price above it signals short-term strength. 5.30$
MA 50 Days ?Moving average of the last 50 trading days — the most widely watched medium-term trend line. 5.20$
MA 200 Days ?Moving average of the last 200 trading days — the dividing line between a long-term uptrend and downtrend. 5.10$
RSI (14) ?Relative Strength Index over 14 days, scale 0 to 100: above 70 counts as overbought, below 30 as oversold. A hint on timing, not a verdict on the company. 46.9
Volatility 30 Days ?Price swings over the last 30 trading days, annualized. The higher the value, the more the price fluctuates. 36.5%
Volatility 250 Days ?Price swings over the last 250 trading days (roughly one market year), annualized. 60.4%

Calculated from the price history · as of 09/29/2026

Valuation

P/E ?Price-to-earnings ratio: how many years of profit does the stock cost? The lower, the cheaper the valuation. No earnings means no P/E. 1.4
Forward P/E ?P/E based on expected earnings for the next 12 months instead of past earnings — analysts' bet on the future. 0.0
PEG ?P/E divided by expected earnings growth: puts valuation in relation to growth. Around 1 is considered fair, well above that is pricey. –
P/B ?Price-to-book ratio: market value relative to book equity. 0.2
P/S ?Price-to-sales ratio: market value divided by annual sales. Important for companies that aren't (yet) profitable. 0.03
EV/EBITDA ?Enterprise value including debt (EV) relative to operating profit before depreciation and amortization (EBITDA) — more comparable than P/E because debt counts too. Extreme values arise when EBITDA is near zero. 0.7
Price/FCF ?Market value divided by free cash flow: how many years of freely available cash does the stock cost? More honest than P/E because cash flow is harder to dress up. –

Profitability

Gross Margin ?Gross margin: what's left of sales after only direct production costs are deducted — the product's pricing power. 60.1%
EBIT Margin ?EBIT margin: operating profit as a percentage of sales — the earning power of the core business before interest and taxes. 47.7%
Net Margin ?Net margin: what's left of sales as profit after ALL costs, interest, and taxes. 10.1%
Return on Equity ?Return on equity: how much profit does the company generate per year on shareholders' equity? 13.7%
Return on Assets ?Return on assets: how much profit the company generates from its total assets (equity and debt combined). 14.2%

Balance Sheet & Safety

Equity Ratio ?Equity ratio: equity as a share of total assets. The higher, the more resilient the balance sheet. 53.4%
Debt/Equity ?Leverage ratio: financial debt divided by equity. Under 1 is generally seen as solid; negative values mean negative equity. 0.5
Altman Z″ ?Edward Altman's bankruptcy early-warning score. We use the Z″ variant, built from four balance-sheet ratios — it is designed for service companies and non-manufacturers and uses book value instead of market value. On that scale: below 1.1 = danger zone, 2.6 and up = safe zone, in between a grey area. Because the classic Altman Z is calculated differently, the two numbers are not directly comparable. The formula does not fit banks, insurers, or real-estate stocks. 1.93
Piotroski ?Balance-sheet health check by Joseph Piotroski: 9 yes/no criteria on profit, cash flow, leverage, and efficiency. 7+ is very solid, under 3 is a red flag. 6 out of 9

Growth

Sales Growth Last Quarter ?Sales growth in the most recently reported quarter versus the same quarter a year ago (YoY). -39.30%
EPS Growth Last Quarter ?Growth in earnings per share in the most recently reported quarter versus the same quarter a year ago (YoY). -90.90%
Sales Growth (Year) ?Sales growth in the last fiscal year versus the year before. 26.56%
Forward Sales Growth ?Sales growth analysts expect over the next 12 months — an estimate, not a guarantee. –
Forward EPS Growth ?Earnings-per-share growth analysts expect over the next 12 months — an estimate, not a guarantee. –

Dividend

This stock currently pays no dividend.

Quality & Screener

Stage ?Weinstein phases 1 through 4: 1 = basing, 2 = uptrend (the only buy phase), 3 = topping, 4 = downtrend. Measured against the 30-week line. –
RS Rating ?Relative strength from 1 to 99: an RS of 95 means the stock has outperformed 95% of all stocks. –
EPS Rating ?Earnings growth rating from 1 to 99 versus all stocks — high values mean above-average earnings growth. –
Fundamental Rating ?Our own Fundamental Rating: 0 to 100 points with an A+ to F grade. 50 points is the average across the universe, 100 the best possible score. It scores growth, earnings surprises, analyst estimates, margins, cash flow, and balance-sheet safety — every stock percentile-ranked against all others. Grades: A+ from 95, A from 75, B from 55, C from 45, D from 25, E from 5, F below. B (61 out of 100)

Comparison

Industry comparison

The stock alongside the largest companies in the same group. The median row is the middle value of the companies shown above — not of the whole industry.

Industry: Credit Services

Industry comparison
Company Market cap ($B) P/E EV/EBITDA Gross Margin % EBIT Margin % Sales Growth (Year) % Perf. 1Y %
X Financial Class A XYF 0.2 1.4 0.7 60.1 47.7 26.6 -57.3
Visa Inc. Class A V 691.9 32.8 23.7 97.7 67.4 11.3 8.4
Mastercard Inc MA 498.8 33.8 22.6 100.0 60.8 16.4 -0.2
American Express Company AXP 209.1 19.1 0.0 62.3 21.3 8.4 -9.8
Capital One Financial Corporation COF 121.0 60.5 0.0 100.0 28.6 28.4 -10.8
PayPal Holdings Inc PYPL 46.5 10.3 6.5 40.5 17.0 4.3 -18.5
Synchrony Financial SYF 24.3 7.4 0.0 100.0 48.0 -7.9 -2.5
Affirm Holdings Inc AFRM 23.3 62.8 24.3 48.9 8.5 38.8 -9.5
SoFi Technologies Inc. SOFI 20.0 34.0 0.0 83.7 18.3 82.6 -42.3
Median of companies shown 46.5 32.8 0.7 83.7 28.6 16.4 -9.8

Based on the most recently reported figures. Only stocks from the same trading venue are lined up, so the market caps are counted in one currency. Compare in a chart →

Fiscal years

Annual Figures

Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.

Revenue, operating income and net income per fiscal year $M

Revenue Operating income Net income

2016 · Revenue: -39 $M 2016 · Operating income: -147 $M 2016 · Net income: -120 $M 2017 · Revenue: 1,004 $M 2017 · Operating income: 479 $M 2017 · Net income: 340 $M 2018 · Revenue: 2,170 $M 2018 · Operating income: 1,085 $M 2018 · Net income: 883 $M 2019 · Revenue: 1,278 $M 2019 · Operating income: 664 $M 2019 · Net income: 774 $M 2020 · Revenue: -62 $M 2020 · Operating income: -1,602 $M 2020 · Net income: -1,309 $M 2021 · Revenue: 1,512 $M 2021 · Operating income: 1,191 $M 2021 · Net income: 825 $M 2022 · Revenue: 2,323 $M 2022 · Operating income: 1,220 $M 2022 · Net income: 812 $M 2023 · Revenue: 3,277 $M 2023 · Operating income: 1,469 $M 2023 · Net income: 1,187 $M 2024 · Revenue: 5,872 $M 2024 · Operating income: 1,874 $M 2024 · Net income: 1,540 $M 2025 · Revenue: 7,431 $M 2025 · Operating income: 1,592 $M 2025 · Net income: 1,425 $M
2016201720182019202020212022202320242025
Annual Figures
Fiscal Year Revenue ($M) EBIT ($M) Net Income ($M) EPS ($) Operating Cash Flow ($M) Equity ($M) Total Assets ($M)
2016 -39 -147 -120 -18.08 83 373 1,681
2017 1,004 479 340 43.79 -615 1,762 3,888
2018 2,170 1,085 883 17.43 5 3,518 4,637
2019 1,278 664 774 14.53 601 4,367 8,300
2020 -62 -1,602 -1,309 -24.44 -679 3,076 7,532
2021 1,512 1,191 825 14.70 449 3,977 7,343
2022 2,323 1,220 812 90.67 323 4,753 8,838
2023 3,277 1,469 1,187 146.90 814 5,847 11,650
2024 5,872 1,874 1,540 188.97 1,523 6,953 11,819
2025 7,431 1,592 1,425 205.57 1,468 7,837 14,666

Quarters

Quarterly Figures

Each bar is one quarter, the last one is the most recent. Use the switch to step through the individual figures.

Revenue & Profit

Cash Flow

Balance Sheet

Margins

Per Share

Click the chart or tab into it, then use ← and → to step through the periods.

None of the selected stocks reports this metric. Pick another metric or switch between annual and quarterly.

These companies report in different currencies — switch on “Indexed” or pick a margin for a fair comparison.

The figures could not be loaded right now.

Sales Per Quarter ($M)
2024: Q2 · 944.1 $M Q2 2024: Q3 · 1,083.4 $M Q3 2024: Q4 · 1,708.7 $M Q4 2025: Q1 · 1,937.5 $M Q1 2025: Q2 · 2,273.1 $M Q2 2025: Q3 · 1,961.0 $M Q3 2025: Q4 · 1,447.6 $M Q4 2026: Q1 · 1,169.0 $M Q1

Source: fundamental data

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q2 1.15 7.50 944 9.30 44.00 – –
2024: Q3 1.08 11.20 1,083 11.50 34.70 – –
2024: Q4 8.04 1,410.10 1,709 195.30 22.60 – –
2025: Q1 10.56 934.40 1,938 146.80 23.60 – –
2025: Q2 12.00 947.90 2,273 140.80 23.20 – –
2025: Q3 1.41 30.60 1,961 81.00 21.50 – –
2025: Q4 0.20 -97.50 1,448 -15.30 3.90 1,468 1,446
2026: Q1 0.14 -98.70 1,169 -39.70 3.20 1,468 1,446

What Do These Terms Mean?

EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

Compare with other stocks →

Screening

Appears in These Scanners

This stock currently matches 3 of our scanner strategies — each hit links to the scanner.

Growth

Risk & Weakness

Value & GARP

Only genuine hits from verified scanners count; pure ranking metrics (P/E, P/S, and similar, which just sort the whole universe) don't count as a hit. Scanners marked in red are red-flag signals (risk/short scanners) — appearing there is not a seal of approval. View all scanners

Outlook

Analysts & Price Target

Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.

Consensus –
Analyst Ratings –
Price Target (average) 1.70$
Distance to price -67.3% The price target sits 67.3% below the current price.

AI classification

AI Rating

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available.

How the Rating Is Built

Growth

Growth Score

Ten checks against the annual reports — each one passed counts a point.

8 of 10 Growth gem
  • Revenue grows by more than 15% a year over three years 47.3%
  • More than 10% revenue growth is expected for the coming year no data
  • Share count grows by less than 3% a year -8.2%
  • Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 46.0%
  • Gross margin at 40% or higher and without meaningful erosion 73.6%
  • Goodwill from acquisitions does not grow faster than revenue 0.0%
  • Net debt below twice EBITDA 0.1 x EBITDA
  • Operating cash flow covers the profits of the last three years -346 m
  • Return on capital at 15% or higher, or up versus two years ago 18.3%
  • Insiders hold at least 10% or are net buyers 17.1%

A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail

Quality check

AAQS

3/10

The AAQS (AlleAktien Quality Score) checks 10 quality criteria on growth, profitability, and balance-sheet strength — per the methodology developed and published by AlleAktien, calculated by us from our own fundamental data. A stock counts as a quality stock from 9 out of 10 points. Where a company has a shorter listing history, we calculate over the fiscal years available (at least five).

  • Sales growth 10Y > 5% –
  • Exp. sales growth 3Y > 5% –
  • EBIT growth 10Y > 5% –
  • Exp. EBIT growth 3Y > 5% –
  • Net debt < 4x EBIT 0.1x
  • EBIT positive, 10Y straight 8
  • Max. EBIT decline < 50% 100.0%
  • Return on equity > 15% 18.3%
  • ROCE > 15% 18.3%
  • Expected return > 10% –

View stocks with the full AAQS score · Read the methodology at AlleAktien

Source: fundamental data

The company

About the Company

X Financial betreibt zusammen mit seinen Tochtergesellschaften ein Online-Privatfinanzierungsunternehmen in der Volksrepublik China. Das Unternehmen bietet Xiaoying-Kreditdarlehen an, bei denen es sich um Online-Privatkreditprodukte einschließlich Xiaoying-Kartendarlehen und weiterer unbesicherter Kreditprodukte handelt, sowie Xiaoying-Wohnungsdarlehen, ein besichertes Eigenheimkreditprodukt. Es bietet zudem Garantie-, Beratungs-, E-Commerce- und Kleinkreditdienstleistungen an. Darüber hinaus ist das Unternehmen in der Technologieentwicklung und im Technologiedienst sowie im Produktverkauf tätig. X Financial wurde 2014 gegründet und hat seinen Hauptsitz in Shenzhen, Volksrepublik China.

Employees
643
Headquarters
Shenzhen, China
Address
Aerospace Science and Technology Plaza, 518067 Shenzhen, China
Phone
86 75 5862 82977
IPO Date
09/18/2018
ISIN
US98372W2026
Stock Split
1:3 on 11/19/2020

Management

Management
Name Title Birth Year
Yue Tang Founder, CEO & Chairman 1972
Kan Li President, Acting Chief Risk Officer & Director 1973
Ding Gao Co-Founder 1987
Fuya Zheng Chief Financial Officer 1967
Jennifer Zhang Investor Relations –
Noah Kauffman Chief Financial Strategy Officer 1982

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Data as of: September 29, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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