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X Financial

XYF

14.820USD

+0.140+0.95%
Close 09/18, 16:00ETQuotes delayed by 15 min
384.47MMarket Cap
0.22P/E TTM

X Financial

14.820

+0.140+0.95%

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Currency: USD Updated: 2025-09-18

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.

Score

Industry at a Glance

Industry Ranking
228 / 400
Overall Ranking
450 / 4721
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.

Company 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.
High Growth
The company's revenue has grown steadily over the past 3 years, averaging 50.78% year-on-year.
High Profit Growth
The company's net income leads the industry, with the latest annual income totaling USD 79.20.
Overvalued
The company’s latest PB is 0.08, at a high 3-year percentile range.
Institutional Buying
The latest institutional holdings are 4.51M shares, increasing 39.42% 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: 2025-09-18

The company's current financial score is 3.86, which is lower than the Banking Services industry's average of 7.07. Its financial status is stable, and its operating efficiency is low. Its latest quarterly revenue reached 316.51M, representing a year-over-year increase of 61.54%, while its net profit experienced a year-over-year increase of 28.98%.

Score

Industry at a Glance

Previous score
3.86
Change
0

Financials

6.28

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data

Quality of Earnings

4.00

Operational Efficiency

4.00

Growth Potential

0.00

Shareholder Returns

5.00

Company Valuation

Currency: USD Updated: 2025-09-18

The company’s current valuation score is 1.20, which is lower than the Banking Services industry's average of 1.34. Its current P/E ratio is 0.41, which is -41.85% below the recent high of 0.24 and 60.18% above the recent low of 0.16.

Score

Industry at a Glance

Previous score
1.20
Change
0

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 228/400
No Data

Earnings Forecast

Currency: USD Updated: 2025-09-18

There is no earnings forecast score for this company; the Banking Services industry's average is 7.39.

Score

Industry at a Glance

Previous score
0.00
Change
0

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: 2025-09-18

The company’s current price momentum score is 9.12, which is higher than the Banking Services industry's average of 7.69. Sideways: Currently, the stock price is trading between the resistance level at 16.85 and the support level at 12.07, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score
9.12
Change
-0.21

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(2)
Indicators
Value
Direction
MACD(12,26,9)
0.113
Neutral
RSI(14)
52.339
Neutral
STOCH(KDJ)(9,3,3)
62.652
Buy
ATR(14)
0.714
High Vlolatility
CCI(14)
25.718
Neutral
Williams %R
42.857
Buy
TRIX(12,20)
-0.126
Sell
StochRSI(14)
100.000
Overbought
Moving Average
Sell(2)
Neutral(0)
Buy(4)
Indicators
Value
Direction
MA5
14.340
Buy
MA10
14.169
Buy
MA20
14.733
Buy
MA50
15.159
Sell
MA100
15.927
Sell
MA200
12.950
Buy

Institutional Confidence

Currency: USD Updated: 2025-09-18

The company’s current institutional recognition score is 3.00, which is lower than the Banking Services industry's average of 6.22. The latest institutional shareholding proportion is 17.39%, representing a quarter-over-quarter increase of 145.49%. 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
0

Institutional Shareholding

No Data

Shareholder Activity

Name
Shares Held
Chg %
Tang (Yue Justin)
774.63K
-2.03%
Morgan Stanley & Co. LLC
100.22K
+216.10%
Acadian Asset Management LLC
107.27K
+29.44%
Purple Mountain Holding
258.12K
--
Barclays Bank PLC
11.00K
--
UBS O'Connor LLC
156.71K
--
Renaissance Technologies LLC
Star Investors
84.17K
-0.24%
1
2

Risk Assessment

Currency: USD Updated: 2025-09-18

The company’s current risk assessment score is 4.57, which is lower than the Banking Services industry's average of 5.23. The company's beta value is 0.12. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.

Score

Industry at a Glance

Previous score
4.57
Change
0
Beta vs S&P 500 index
0.12
VaR
+7.91%
240-Day Maximum Drawdown
+38.55%
240-Day Volatility
+86.05%
Return
Best Daily Return
60 days
+15.73%
120 days
+18.30%
5 years
+42.00%
Worst Daily Return
60 days
-10.30%
120 days
-17.21%
5 years
-22.99%
Sharpe Ratio
60 days
-0.72
120 days
+0.71
5 years
+0.89
Risk Assessment
Maximum Drawdown
240 days
+38.55%
3 years
+38.55%
5 years
+100.00%
Return-to-Drawdown Ratio
240 days
+2.56
3 years
+6.64
5 years
+1.11
Skewness
240 days
+0.56
3 years
+0.51
5 years
+1.15
Volatility
Realised Volatility
240 days
+86.05%
5 years
--
Standardised True Range
240 days
+5.82%
5 years
+2.89%
Downside Risk-Adjusted Return
120 days
+121.67%
240 days
+121.67%
Maximum Daily Upside Volatility
60 days
+47.33%
Maximum Daily Downside Volatility
60 days
+41.43%
Liquidity
Average Turnover Rate
60 days
+0.17%
120 days
+0.15%
5 years
--
Turnover Deviation
20 days
+343.22%
60 days
+281.23%
120 days
+231.88%

Peer Comparison

Banking Services
X Financial
X Financial
XYF
3.68 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Enova International Inc
Enova International Inc
ENVA
7.60 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Dime Community Bancshares Inc
Dime Community Bancshares Inc
DCOM
7.59 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
SouthState Corp
SouthState Corp
SSB
7.50 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Axos Financial Inc
Axos Financial Inc
AX
7.49 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
UMB Financial Corp
UMB Financial Corp
UMBF
7.48 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
View more
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