Indicators
Indicators
Value
Direction
MACD(12,26,9)
-0.081
Neutral
RSI(14)
47.671
Neutral
STOCH(KDJ)(9,3,3)
29.512
Neutral
ATR(14)
0.254
High Vlolatility
CCI(14)
-101.363
Sell
Williams %R
68.359
Sell
TRIX(12,20)
0.262
Sell
StochRSI(14)
51.780
Buy
Search
X Financial
XYFAdd to Watchlist
4.710USD
-0.020-0.42%
Close 05/15, 16:00（ET）Quotes delayed by 15 min
181.41MMarket Cap
0.91P/E TTM
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: 2026-05-15Key Insights
X Financial's fundamentals are relatively healthy, with an industry-leading ESG disclosure.Its valuation is considered undervalued, ranking 228 out of 394 in the Banking Services industry.Institutional ownership is very high.In the medium term, the stock price is expected to remain stable.Despite an average stock market performance over the past month, 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
Support & Resistance
Relevant data have not been disclosed by the company yet.
Score Analysis
Current score
Previous score
Media Coverage
Last 24 hours
Coverage Level
Very Low
Very High
Neutral
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 0.16, at a high 3-year percentile range.
Held by Invesco
Star Investor Invesco holds 14.47K shares of this stock.
Analyst Rating
Based on
0
analysts
--
Current Rating
0.000
Target Price
0.00%
Upside Space
Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.
Financial Health
Currency: USD Updated: 2026-05-15The current financial score of X Financial is 3.86, ranking 394 out of 394 in the Banking Services industry. Its financial status is stable, and its operating efficiency is low. Its latest quarterly revenue reached 210.49M, representing a year-over-year decrease of 87.42%, while its net profit experienced a year-over-year decrease of 97.85%.
Score
Financials
6.28
Key Metrics
Cash and cash equivalents
Total assets
Total liabilities
Free cash flow
Relevant data have not been disclosed by the company yet.
Quality of Earnings
4.00
Operational Efficiency
4.00
Growth Potential
0.00
Shareholder Returns
5.00
X Financial's Company Valuation
Currency: USD Updated: 2026-05-15The current valuation score of X Financial is 7.17, ranking 281 out of 394 in the Banking Services industry. Its current P/E ratio is 0.91, which is 296.60% below the recent high of 3.63 and 100.00% above the recent low of 0.00.
Score
Valuation Dimensions
P/E
P/B
P/S
P/CF
Industry Ranking 228/394
Relevant data have not been disclosed by the company yet.
Earnings Forecast
Currency: USD Updated: 2026-05-15No earnings forecast score is currently available for X Financial. The Banking Services industry's average is 7.30.
Score
Support & Resistance
Relevant data have not been disclosed by the company yet.
No Data
Financial Forecasting
EPS
Revenue
Net Profit
EBIT
Relevant data have not been disclosed by the company yet.
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: 2026-05-15The current price momentum score of X Financial is 6.79, ranking 172 out of 394 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 5.15 and the support level at 4.36, making it suitable for range-bound swing trading.
Score
Support & Resistance
Relevant data have not been disclosed by the company yet.
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.
Moving Average
Indicators
Value
Direction
MA5
4.742
Sell
MA10
4.885
Sell
MA20
4.884
Sell
MA50
4.641
Buy
MA100
5.081
Sell
MA200
8.638
Sell
Institutional Confidence
Currency: USD Updated: 2026-05-15The current institutional shareholding score of X Financial is 3.00, ranking 252 out of 394 in the Banking Services industry. The latest institutional shareholding proportion is 8.55%, representing a quarter-over-quarter decrease of 12.55%. The largest institutional shareholder is Invesco, holding a total of 14.47K shares, representing 0.07% of shares outstanding, with 1.00% increase in holdings.
Score
Institutional Shareholding
Relevant data have not been disclosed by the company yet.
Risk Assessment
Currency: USD Updated: 2026-05-15The U.S. Dollar Index is currently in a neutral state, which has a neutral effect on the Banking Services domestic-focused industry. The Dollar Index (DXY) measures the value of the U.S. dollar against a basket of major currencies, including the euro, yen, pound sterling, Canadian dollar, Swedish krona, and Swiss franc. No risk assessment score is currently available for X Financial. The Banking Services industry's average is 6.73. The company's beta value is 0.49. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets. X Financial’s latest ESG disclosure leads the Banking Services industry, indicating outstanding, compliant performance across environmental management, social responsibility, and governance, which may help mitigate overall risk.
Score
Beta vs S&P 500 index
0.49
VaR
+6.79%
240-Day Maximum Drawdown
+82.99%
240-Day Volatility
+64.80%
Return
Best Daily Return
60 days
+8.39%
120 days
+8.39%
5 years
+29.72%
Worst Daily Return
60 days
-26.19%
120 days
-26.19%
5 years
-26.19%
Sharpe Ratio
60 days
-0.09
120 days
-1.84
5 years
+0.28
Risk Assessment
Maximum Drawdown
240 days
+82.99%
3 years
+82.99%
5 years
+100.00%
Return-to-Drawdown Ratio
240 days
-0.89
3 years
+0.04
5 years
-0.07
Skewness
240 days
-1.07
3 years
-0.20
5 years
+0.30
Volatility
Realised Volatility
240 days
+64.80%
5 years
--
Standardised True Range
240 days
+12.32%
5 years
+8.13%
Downside Risk-Adjusted Return
120 days
-206.12%
240 days
-206.12%
Maximum Daily Upside Volatility
60 days
+58.89%
Maximum Daily Downside Volatility
60 days
+61.56%
Liquidity
Average Turnover Rate
60 days
+0.06%
120 days
+0.08%
5 years
--
Turnover Deviation
20 days
-25.61%
60 days
-12.05%
120 days
+9.71%
Peer Comparison
Banking Services
X Financial
XYF
3.70 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Royal Bank of Canada
RY
8.49 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Prosperity Bancshares Inc
PB
8.47 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
East West Bancorp Inc
EWBC
8.42 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Synchrony Financial
SYF
8.38 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
AerCap Holdings NV
AER
8.38 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
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