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X Financial (XYF)
$4.79+0.01 (+0.21%)
Market ClosedLast close Jul 24
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 $4.79 with a market capitalization of $199M. The stock is currently near its 52-week low of $3.30, remaining 22.0% below its 200-day moving average. On fundamentals, Piotroski 6/9 shows mixed financial quality. 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
Quarterly Financials
| Metric (USD) | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|---|
| Total Revenue | $1.18B↓ | $1.47B↓ | $1.96B↓ | $2.27B↑ | $1.94B |
| Gross Profit | $688.71M↓ | $943.61M↓ | $1.43B↓ | $1.76B↑ | $1.46B |
| Operating Income | $138.93M↑ | $16.03M↓ | $365.59M↓ | $665.48M↑ | $561.85M |
| Net Income | $37.95M↓ | $57.17M↓ | $421.24M↓ | $528.02M↑ | $458.13M |
Peer Comparison
JPMBACGS
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).
$199.13M
P/E Ratio
Priced for growth. Investors expect sustained double-digit expansion.
-
Beta
High-beta play. Expect amplified moves vs. the broad market.
-
Div Yield
Strong income play. Yield provides a meaningful total return floor.
5.85%
ROE
Average efficiency. Growth may require heavy reinvestment.
13.44%
Volume
Today's trading volume
38,006
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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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.