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X Financial

XYF

12.460USD

+0.410+3.40%

Close 11/07, 16:00（ET）Quotes delayed by 15 min

323.25MMarket Cap

0.18P/E TTM



X Financial

12.460

+0.410+3.40%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Company

Financials

Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score of X Financial

Currency: USD Updated: 2025-11-07

Key Insights

The company's fundamentals are relatively healthy. Its valuation is considered fairly valued,and institutional recognition is very high. Despite a weak stock market performance, the company shows strong technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

X Financial's Score

Industry at a Glance

Industry Ranking

243 / 407

Overall Ranking

494 / 4614

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 0 analysts

Current Rating

Target Price

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

X Financial Highlights

StrengthsRisks

X FINANCIAL is a China-based company principally engaged in the provision of technology-driven personal finance services. The Company’s products primarily include Xiaoying Card Loan and Xiaoying Preferred Loan. The Company is also engaged in the provision of investment opportunities to investors through its wealth management platform, Xiaoying Wealth Management. The Company’s WinSAFE risk control system builds risk profiles of its prospective borrowers upon data from credit information providers.

Overvalued

The company’s latest PB is 0.49, at a high 3-year percentile range.

Institutional Buying

The latest institutional holdings are 1.81M shares, increasing 27.18% quarter-over-quarter.

Held by James Simons

Star Investor James Simons holds 83.97K shares of this stock.

Higher Market Activity

The company has more investor interest, with a 20-day turnover ratio of 3.43.

Financial Health

Currency: USD Updated: 2025-11-07

The company's current financial score is 3.86, which is lower than the Banking Services industry's average of 7.05. Its financial status is stable, and its operating efficiency is low. Its latest quarterly revenue reached 315.58M, representing a year-over-year decrease of 77.84%, while its net profit experienced a year-over-year decrease of 82.30%.

Score

Industry at a Glance

Previous score

3.86

Change



Financials

6.28

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

4.00

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

4.00

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

0.00

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

5.00

Key Metrics

Free cash flow

No Data

X Financial's Company Valuation

Currency: USD Updated: 2025-11-07

The company’s current valuation score is 7.17, which is lower than the Banking Services industry's average of 7.67. Its current P/E ratio is 2.25, which is 60.92% below the recent high of 3.63 and 100.00% above the recent low of 0.00.

Score

Industry at a Glance

Previous score

7.17

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 243/407

No Data

Earnings Forecast

Currency: USD Updated: 2025-11-07

There is no earnings forecast score for this company; the Banking Services industry's average is 7.41.

Score

Industry at a Glance

Previous score

0.00

Change

Support & Resistance

No Data

No Data

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-11-07

The company’s current price momentum score is 7.23, which is lower than the Banking Services industry's average of 7.61. Sideways: Currently, the stock price is trading between the resistance level at 13.90 and the support level at 11.26, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

6.94

Change

0.29

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(1)

Neutral(3)

Buy(3)

Indicators

Value

Direction

MACD(12,26,9)

0.056

Neutral

RSI(14)

43.941

Neutral

STOCH(KDJ)(9,3,3)

55.993

Buy

ATR(14)

0.576

Low Volatility

CCI(14)

-34.379

Neutral

Williams %R

42.169

Buy

TRIX(12,20)

-0.557

Sell

StochRSI(14)

100.000

Buy

Moving Average

Sell(4)

Neutral(0)

Buy(2)

Indicators

Value

Direction

MA5

12.324

Buy

MA10

12.288

Buy

MA20

12.674

Sell

MA50

13.670

Sell

MA100

14.885

Sell

MA200

13.947

Sell

Institutional Confidence

Currency: USD Updated: 2025-11-07

The company’s current institutional recognition score is 3.00, which is lower than the Banking Services industry's average of 5.27. The latest institutional shareholding proportion is 4.43%, representing a quarter-over-quarter decrease of 74.51%. The largest institutional shareholder is James Simons, holding a total of 83.97K shares, representing 0.21% of shares outstanding, with 37.89% decrease in holdings.

Score

Industry at a Glance

Previous score

3.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

Legend Architecture Consultant Ltd

2.32M

Nexus Special Situations Fund SPC

2.29M

Tang (Yue Justin)

774.63K

Morgan Stanley & Co. LLC

268.05K

+167.47%

Acadian Asset Management LLC

260.96K

+143.27%

Purple Mountain Holding

258.12K

Hel Ved Capital Management Limited

254.86K

Barclays Bank PLC

205.89K

+1771.74%

UBS O'Connor LLC

205.61K

+31.20%

Renaissance Technologies LLC

Star Investors

83.97K

-0.24%

Risk Assessment

Currency: USD Updated: 2025-11-07

There is no risk assessment score for the company; the Banking Services industry's average is 6.61. The company's beta value is 0.32. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.