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XYF
$4.89+0.05 (+1.03%)
After Hours$4.89+0.00 (+0.00%)· Last close Jun 9
X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
X Financial in the Financial Services sector is trading at $4.89. The stock is currently near its 52-week low of $3.30, remaining 34.9% below its 200-day moving average. On fundamentals, Piotroski 6/9 shows mixed financial quality. Risk note: MACD remains below its signal line. The Whystock Score of 60/100 suggests a balanced risk-reward profile.
Ecosystem Influences
Long-term trend bearish (price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Anchored to each ticker's own 5-year median trailing P/E, tilted by current ROE and growth. Fair P/E = own median P/E + (ROE × 10) + (max(revenue growth, earnings growth) × 15), capped at ±30% around the historical anchor. Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. Premium compounders like COST/MSFT are judged against their own multi-year norm rather than a sector median. Falls back to the sector-anchored formula (Tech ≈ 28, Comm Services ≈ 24, Utilities ≈ 18, Financials ≈ 14, etc.) for recent IPOs and tickers with insufficient history (< 24 monthly samples). Result is a normalised multiple gauge — not a price target.
Current Price$4.89
Potential Downside
0%
Whystock Fair Value$4.89
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Fundamentals
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...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
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P/E Ratio
Priced for growth. Investors expect sustained double-digit expansion.
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Beta
High-beta play. Expect amplified moves vs. the broad market.
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Div Yield
Strong income play. Yield provides a meaningful total return floor.
5.73%
ROE
Average efficiency. Growth may require heavy reinvestment.
13.44%
Volume
Today's trading volume
96,861
Recent News
X Financial (XYF) Q1 2026 Earnings Transcript
Kan Li: Thank you, Victoria, and hello, everyone. In the first quarter of 2026, we continue to operate with a high degree of discipline as the operating environment remained challenging. Carrying forward the more conservative posture we adopted in the second half of 2025, we further reduced the pace of activity in Q1, keeping our business closely aligned with evolving supervisory expectations while maintaining an unwavering focus on credit quality and risk management.
X Financial (XYF) Q1 2026 Earnings Call Highlights: Navigating Challenges with Improved Margins ...
X Financial (XYF) focuses on operational efficiency and risk management amid declining revenues and regulatory uncertainties.
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Over the last 7 days, the United States market has remained flat, yet it has seen an impressive 27% increase over the past year with earnings projected to grow by 17% per annum in the coming years. In this context of robust growth expectations, dividend stocks that offer stability and consistent income can be attractive options for investors seeking to capitalize on these favorable conditions.
X Financial (XYF) Q4 2025 Earnings Transcript
Kan Li: Thank you, Victoria, and hello, everyone. In the fourth quarter of 2025, we continue to operate with heightened discipline as the external environment became more demanding. During the quarter, we facilitated and originated RMB 22.77 billion in loans, representing a 29.5% decline year-over-year and a 32.3% decline sequentially from the previous quarter.
X Financial (XYF) Q4 2025 Earnings Call Highlights: Navigating Challenges with Strategic Adjustments
X Financial (XYF) reports a strategic moderation in loan origination and enhanced risk controls amid a challenging regulatory environment.