Overview Dividends

(XYF) X Financial - Ratings and Ratios

Exchange: NYSE • Country: China • Currency: USD • Type: Common Stock • ISIN: US98372W2026

Credit Loans, Housing Loans, Guarantee Services, Consulting Services, E-Commerce

EPS (Earnings per Share)

EPS CAGR: 218.47%
EPS Trend: 84.7%

Qual. Beats: 0

Revenue

Revenue CAGR: 68.51%
Revenue Trend: 75.6%

Last SUE: 3.10σ
Qual. Beats: 1

Risk via 10d forecast
Volatility	126%
Value at Risk 5%th	184%
Relative Tail Risk	-11.34%

Reward TTM
Sharpe Ratio	0.64
Alpha	16.30

Character TTM
Hurst Exponent	0.509
Beta	0.766
Beta Downside	1.842

Drawdowns 3y
Max DD	60.91%
Mean DD	14.32%
Median DD	13.53%

Description: XYF X Financial October 21, 2025

X Financial (NYSE: XYF) is an online personal-finance provider headquartered in Shenzhen, China. Through its Xiaoying brand it originates unsecured personal credit loans (including card-linked products) and secured home-equity loans, while also offering guarantee, consulting, e-commerce and micro-credit services, and monetising its technology platform.

Key operating metrics that analysts watch include a loan-originations portfolio of roughly CNY 30 billion as of FY 2023, an asset-quality NPL ratio of about 1.5 % (below the industry average of ~2 %), and a cost-to-originate ratio under 2 % thanks to its digital-first model. The business is highly sensitive to Chinese macro-economic trends such as consumer-credit growth (which slowed to ~8 % YoY in 2023) and regulatory tightening on fintech lending, both of which can compress margins or constrain new loan supply.

For a deeper dive into XYF’s valuation multiples and peer benchmarks, the ValueRay platform provides a comprehensive data set worth exploring.

XYF Stock Overview

Market Cap in USD	324m
Sub-Industry	Consumer Finance
IPO / Inception	2018-09-18
Return 12m vs S&P 500	9.60%
Analyst Rating	-

XYF Dividends

Metric	Value
Dividend Yield	6.90%
Yield on Cost 5y	33.33%
Yield CAGR 5y	100.00%
Payout Consistency	43.6%
Payout Ratio	1.7%

XYF Growth Ratios

Metric	Value
CAGR 3y	64.81%
CAGR/Max DD Calmar Ratio	1.06
CAGR/Mean DD Pain Ratio	4.53
Current Volume	719k
Average Volume	151.1k

Piotroski VR‑10 (Strict, 0-10) 6.0

Net Income (1.79b TTM) > 0 and > 6% of Revenue (6% = 353.9m TTM)

FCFTA 0.10 (>2.0%) and ΔFCFTA 3.34pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 163.8% (prev 263.5%; Δ -99.73pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.10 (>3.0%) and CFO 1.52b <= Net Income 1.79b (YES >=105%, WARN >=100%)

Net Debt (-324.5m) to EBITDA (2.45b) ratio: -0.13 <= 3.0 (WARN <= 3.5)

Current Ratio 4.51 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (6.98m) change vs 12m ago -85.67% (target <= -2.0% for YES)

Gross Margin 57.36% (prev 51.60%; Δ 5.77pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 44.84% (prev 36.51%; Δ 8.33pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 1.20 (EBITDA TTM 2.45b / Interest Expense TTM 1.97b) >= 6 (WARN >= 3)

Altman Z'' 7.61

(A) 0.66 = (Total Current Assets 12.42b - Total Current Liabilities 2.76b) / Total Assets 14.69b

(B) 0.37 = Retained Earnings (Balance) 5.51b / Total Assets 14.69b

(D) 0.82 = Book Value of Equity 5.58b / Total Liabilities 6.76b

Total Rating: 7.61 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 91.79

1. Piotroski 6.0pt

2. FCF Yield 76.25%

3. FCF Margin 25.58%

4. Debt/Equity 0.07

5. Debt/Ebitda -0.13

6. ROIC - WACC (= 18.33)%

7. RoE 23.88%

8. Rev. Trend 75.60%

9. EPS Trend 84.72%

What is the price of XYF shares?

As of November 24, 2025, the stock is trading at USD 7.68 with a total of 718,992 shares traded.
Over the past week, the price has changed by -31.85%, over one month by -39.38%, over three months by -49.95% and over the past year by +22.35%.

Is XYF a buy, sell or hold?

X Financial has no consensus analysts rating.

What are the forecasts/targets for the XYF price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	1.7	-77.9%
Analysts Target Price	1.7	-77.9%
ValueRay Target Price	10.7	38.9%

XYF Fundamental Data Overview November 23, 2025

Market Cap CNY = 2.30b (324.2m USD * 7.1066 USD.CNY)
P/E Trailing = 1.6879
P/S = 0.0432
P/B = 0.3429
Beta = 0.322
Revenue TTM = 5.90b CNY
EBIT TTM = 2.36b CNY
EBITDA TTM = 2.45b CNY
Long Term Debt = 12.7m CNY (from capitalLeaseObligations, last fiscal year)
Short Term Debt = 566.4m CNY (from shortTermDebt, last quarter)
Debt = 566.4m CNY (from shortLongTermDebtTotal, last quarter)
Net Debt = -324.5m CNY (from netDebt column, last quarter)
Enterprise Value = 1.98b CNY (2.30b + Debt 566.4m - CCE 890.9m)
Interest Coverage Ratio = 1.20 (Ebit TTM 2.36b / Interest Expense TTM 1.97b)
FCF Yield = 76.25% (FCF TTM 1.51b / Enterprise Value 1.98b)
FCF Margin = 25.58% (FCF TTM 1.51b / Revenue TTM 5.90b)
Net Margin = 30.39% (Net Income TTM 1.79b / Revenue TTM 5.90b)
Gross Margin = 57.36% ((Revenue TTM 5.90b - Cost of Revenue TTM 2.52b) / Revenue TTM)
Gross Margin QoQ = 68.05% (prev 40.66%)
Tobins Q-Ratio = 0.13 (Enterprise Value 1.98b / Total Assets 14.69b)
Interest Expense / Debt = 133.5% (Interest Expense 756.3m / Debt 566.4m)
Taxrate = 15.99% (80.2m / 501.4m)
NOPAT = 1.99b (EBIT 2.36b * (1 - 15.99%))
Current Ratio = 4.51 (Total Current Assets 12.42b / Total Current Liabilities 2.76b)
Debt / Equity = 0.07 (Debt 566.4m / totalStockholderEquity, last quarter 7.93b)
Debt / EBITDA = -0.13 (Net Debt -324.5m / EBITDA 2.45b)
Debt / FCF = -0.22 (Net Debt -324.5m / FCF TTM 1.51b)
Total Stockholder Equity = 7.51b (last 4 quarters mean from totalStockholderEquity)
RoA = 12.21% (Net Income 1.79b / Total Assets 14.69b)
RoE = 23.88% (Net Income TTM 1.79b / Total Stockholder Equity 7.51b)
RoCE = 31.44% (EBIT 2.36b / Capital Employed (Equity 7.51b + L.T.Debt 12.7m))
RoIC = 25.43% (NOPAT 1.99b / Invested Capital 7.81b)
WACC = 7.10% (E(2.30b)/V(2.87b) * Re(8.84%) + (debt cost/tax rate unavailable))
Discount Rate = 8.84% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -81.65 | Cagr: -5.72%
[DCF Debug] Terminal Value 78.90% ; FCFE base≈1.23b ; Y1≈1.51b ; Y5≈2.58b
Fair Price DCF = 1536 (DCF Value 37.82b / Shares Outstanding 24.6m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 84.72 | EPS CAGR: 218.5% | SUE: N/A | # QB: 0
Revenue Correlation: 75.60 | Revenue CAGR: 68.51% | SUE: 3.10 | # QB: 1

Additional Sources for XYF Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle