Overview Dividends

(XYF) X Financial - Ratings and Ratios

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

Credit Loans, Housing Loans, Guarantee, Consulting

Consumer Finance
Market Cap in USD: 234m

IPO / Inception: 2018-09-18
Return 12m vs S&P 500: -41.6%

EPS (Earnings per Share)

EPS CAGR: 17.69%
EPS Trend: 72.5%

Qual. Beats: 0

Revenue

Rev. CAGR: 51.57%
Rev. Trend: 90.6%

Qual. Beats: 0

Dividends

Dividend Yield	9.17%
Yield on Cost 5y	31.93%
Yield CAGR 5y	100.00%
Payout Consistency	43.6%
Payout Ratio	1.7%

Risk via 5d forecast
Volatility	51.5%
Value at Risk 5%th	75.5%
Relative Tail Risk	-10.97%

Reward TTM
Sharpe Ratio	-0.16
Alpha	-43.54
CAGR/Max DD	0.38

Character TTM
Hurst Exponent	0.540
Beta	0.699
Beta Downside	1.587

Drawdowns 3y
Max DD	71.50%
Mean DD	16.45%
Median DD	14.65%

Description: XYF X Financial December 24, 2025

X Financial (NYSE:XYF) is an online personal-finance platform headquartered in Shenzhen, China. Through its Xiaoying brand, the firm offers unsecured personal credit loans (including card-linked loans) and secured home-equity loans, complemented by guarantee, consulting, e-commerce, and micro-credit services, while also developing and selling fintech technology solutions.

As of Q2 2024, XYF reported a 23% YoY increase in total loan disbursements to roughly CNY 8.5 billion, with an NPL ratio of 1.9%-below the industry average of 2.4%-and a net profit margin of 12.3%. The company’s growth is driven by China’s expanding household credit demand, supported by the People’s Bank of China’s recent easing of mortgage-rate caps, while tighter regulatory scrutiny on consumer-finance fintechs remains a key risk factor.

For a deeper dive into XYF’s valuation metrics and peer comparison, see the analysis on ValueRay.

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 329.7%; Δ -165.9pp) (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 44.67%; Δ 12.70pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 44.84% (prev 29.18%; Δ 15.66pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.95 (EBITDA TTM 2.45b / Interest Expense TTM 2.49b) >= 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) 92.30

1. Piotroski 6.0pt

2. FCF Yield 114.9%

3. FCF Margin 25.58%

4. Debt/Equity 0.07

5. Debt/Ebitda -0.13

6. ROIC - WACC (= 18.50)%

7. RoE 23.88%

8. Rev. Trend 90.57%

9. EPS Trend 72.49%

What is the price of XYF shares?

As of January 02, 2026, the stock is trading at USD 5.60 with a total of 139,600 shares traded.
Over the past week, the price has changed by -2.27%, over one month by -16.04%, over three months by -60.00% and over the past year by -31.05%.

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	-69.6%
Analysts Target Price	1.7	-69.6%
ValueRay Target Price	7.1	26.3%

XYF Fundamental Data Overview December 30, 2025

Market Cap CNY = 1.64b (234.3m USD * 6.9937 USD.CNY)
P/E Trailing = 0.9862
P/S = 0.0297
P/B = 0.1985
Beta = 0.368
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 = 1.31b CNY (1.64b + Debt 566.4m - CCE 890.9m)
Interest Coverage Ratio = 0.95 (Ebit TTM 2.36b / Interest Expense TTM 2.49b)
FCF Yield = 114.9% (FCF TTM 1.51b / Enterprise Value 1.31b)
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 = 0.09 (Enterprise Value 1.31b / Total Assets 14.69b)
Interest Expense / Debt = 92.68% (Interest Expense 524.9m / 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 = 24.88% (NOPAT 1.99b / Invested Capital 7.98b)
WACC = 6.38% (E(1.64b)/V(2.20b) * Re(8.59%) + (debt cost/tax rate unavailable))
Discount Rate = 8.59% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -8.00%
[DCF Debug] Terminal Value 79.69% ; FCFE base≈1.23b ; Y1≈1.51b ; Y5≈2.58b
Fair Price DCF = 1735 (DCF Value 39.57b / Shares Outstanding 22.8m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 72.49 | EPS CAGR: 17.69% | SUE: N/A | # QB: 0
Revenue Correlation: 90.57 | Revenue CAGR: 51.57% | SUE: N/A | # QB: 0

Additional Sources for XYF Stock

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