(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
Dividends
| Dividend Yield | 7.44% |
| Yield on Cost 5y | 25.00% |
| Yield CAGR 5y | 100.00% |
| Payout Consistency | 43.6% |
| Payout Ratio | 1.7% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 66.2% |
| Value at Risk 5%th | 96.0% |
| Relative Tail Risk | -11.74% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.17 |
| Alpha | -21.00 |
| CAGR/Max DD | 0.78 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.550 |
| Beta | 0.739 |
| Beta Downside | 1.757 |
| Drawdowns 3y | |
|---|---|
| Max DD | 66.05% |
| Mean DD | 15.47% |
| Median DD | 14.00% |
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.
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 |
| (C) 0.18 = EBIT TTM 2.36b / Avg Total Assets 13.15b |
| (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 92.86% |
| 3. FCF Margin 25.58% |
| 4. Debt/Equity 0.07 |
| 5. Debt/Ebitda -0.13 |
| 6. ROIC - WACC (= 18.11)% |
| 7. RoE 23.88% |
| 8. Rev. Trend 90.57% |
| 9. EPS Trend 72.49% |
What is the price of XYF shares?
As of December 14, 2025, the stock is trading at USD 7.12 with a total of 165,099 shares traded.
Over the past week, the price has changed by +2.01%, over one month by -40.62%, over three months by -48.65% and over the past year by -10.63%.
Over the past week, the price has changed by +2.01%, over one month by -40.62%, over three months by -48.65% and over the past year by -10.63%.
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 | -76.1% |
| Analysts Target Price | 1.7 | -76.1% |
| ValueRay Target Price | 9.3 | 29.9% |
XYF Fundamental Data Overview December 12, 2025
Market Cap CNY = 1.95b (276.4m USD * 7.0548 USD.CNY)
P/E Trailing = 1.1696
P/S = 0.0351
P/B = 0.2356
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 = 1.63b CNY (1.95b + Debt 566.4m - CCE 890.9m)
Interest Coverage Ratio = 0.95 (Ebit TTM 2.36b / Interest Expense TTM 2.49b)
FCF Yield = 92.86% (FCF TTM 1.51b / Enterprise Value 1.63b)
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 = 0.11 (Enterprise Value 1.63b / 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 = 6.77% (E(1.95b)/V(2.52b) * Re(8.74%) + (debt cost/tax rate unavailable))
Discount Rate = 8.74% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -8.00%
[DCF Debug] Terminal Value 79.21% ; FCFE base≈1.23b ; Y1≈1.51b ; Y5≈2.58b
Fair Price DCF = 1688 (DCF Value 38.50b / 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
P/E Trailing = 1.1696
P/S = 0.0351
P/B = 0.2356
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 = 1.63b CNY (1.95b + Debt 566.4m - CCE 890.9m)
Interest Coverage Ratio = 0.95 (Ebit TTM 2.36b / Interest Expense TTM 2.49b)
FCF Yield = 92.86% (FCF TTM 1.51b / Enterprise Value 1.63b)
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 = 0.11 (Enterprise Value 1.63b / 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 = 6.77% (E(1.95b)/V(2.52b) * Re(8.74%) + (debt cost/tax rate unavailable))
Discount Rate = 8.74% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -8.00%
[DCF Debug] Terminal Value 79.21% ; FCFE base≈1.23b ; Y1≈1.51b ; Y5≈2.58b
Fair Price DCF = 1688 (DCF Value 38.50b / 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
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle