XYF

$5.04

Post-MarketAs of Mar 17, 8:00 PM UTC

X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China.

Historical Price

Price (Line)
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Peer Comparison

JPMBACGS

Whystock Valuation Model

Calculated using a trailing P/E relative model adjusted by sector ROE and historical growth.
Current Price$5.04
Potential Upside
2582.5%
Whystock Fair Value$135.20
Price
UndervaluedFair ValueOvervalued

Fundamentals

SectorFinancial Services
IndustryCredit Services

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).
$206.05M
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
0.85
Beta
Defensive asset. Lower volatility than the S&P 500.
0.38
Div Yield
Strong income play. Yield provides a meaningful total return floor.
1140.00%
ROIC
Elite ROE. Management converts capital into profit efficiently.
24.19%
Quick Ratio
Pristine liquidity. Sufficient cash to cover all near-term obligations.
1.44

Recent News

Simply Wall St.
Jan 8, 2026

Uncovering US Market's Hidden Gems Three Promising Small Caps

In a market where major stock indexes are showing mixed results, with the Dow Jones Industrial Average rising and the Nasdaq being pulled down by data-storage shares, investors are keenly observing small-cap opportunities as potential growth drivers. With the services sector expanding and manufacturing struggling, uncovering promising small-cap stocks can be a strategic move in navigating these dynamic economic conditions.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Simply Wall St.
Jan 5, 2026

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...

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
GuruFocus.com
Nov 24, 2025

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.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Investor's Business Daily
Sep 30, 2025

Circle Internet Group Stock Sees RS Rating Jump To 83

Circle Internet Group shows rising price performance, earning an upgrade to its IBD Relative Strength Rating from 79 to 83.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.
Investor's Business Daily
Sep 15, 2025

Bitdeer Technologies Group Stock Earns 91 RS Rating

On Monday, Bitdeer Technology Group stock got a positive adjustment to its Relative Strength (RS) Rating, from 84 to 91.   How To Use Stock Charts To Stay Profitable And Protected This unique rating identifies market leadership by showing how a stock's price action over the last 52 weeks measures up against that of the other stocks in our database.

BULLISH
Positive press. Headlines skewed toward growth and analyst upgrades.