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XYF
$4.81+0.09 (+1.91%)
Market ClosedLast close May 1
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 $4.81. The stock is currently near its 52-week low of $3.30, remaining 44.6% below its 200-day moving average. Technical signals show overbought RSI of 74 and bullish MACD crossover, explaining why XYF maintains its current current market pressure. The Whystock Score of 25/100 signals elevated caution as indicators diverge.
Ecosystem Influences
Overbought levels (RSI 74) — risk of consolidation or pullback
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
Whystock fair value is estimated using a trailing P/E model adjusted for return on equity: Fair P/E = 18 + (ROE × 20). Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. A base P/E of 18 represents a typical market multiple, scaled upward for companies that earn high returns on equity. The result is a theoretical "normalised" price — not a price target or investment advice. Large deviations are common for high-growth or loss-making companies.
Current Price$4.81
Potential Upside
1919.1%
Whystock Fair Value$97.12
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).
$197.39M
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
0.98
Beta
Defensive asset. Lower volatility than the S&P 500.
0.47
Div Yield
Strong income play. Yield provides a meaningful total return floor.
1109.00%
ROE
Average efficiency. Growth may require heavy reinvestment.
8.61%
Volume
Today's trading volume
123,504
Recent News
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.
X Financial Q4 Earnings Call Highlights
X Financial (NYSE:XYF) said it deliberately slowed activity in the fourth quarter of 2025 to remain aligned with evolving supervisory expectations and to prioritize credit quality as industry conditions became more challenging. Origination activity moderated as management prioritized risk disciplin
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Is Now The Time To Put X Financial (NYSE:XYF) On Your Watchlist?
The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...
X Financial (XYF) Q3 2025 Earnings Call Highlights: Navigating Growth Amidst Regulatory Challenges
X Financial (XYF) reports strong revenue growth and asset expansion, while addressing rising delinquency rates and regulatory impacts.