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

XYF EPS (Earnings per Share)

EPS Growth (3Y CAGR): 218.47%
EPS Trend (3Y Correlation): 84.7%

XYF Revenue

Revenue Growth (3Y CAGR): 27.88%
Revenue Trend (3Y Correlation): 66.6%

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	533m
Sub-Industry	Consumer Finance
IPO / Inception	2018-09-18

XYF Stock Ratings

Growth Rating	85.3%
Fundamental	90.5%
Dividend Rating	70.8%
Return 12m vs S&P 500	61.5%
Analyst Rating	-

XYF Dividends

Dividend Yield 12m	4.24%
Yield on Cost 5y	28.19%
Annual Growth 5y	100.00%
Payout Consistency	43.6%
Payout Ratio	1.7%

XYF Growth Ratios

Growth Correlation 3m	-36.7%
Growth Correlation 12m	74.2%
Growth Correlation 5y	65.4%
CAGR 5y	100.63%
CAGR/Max DD 3y (Calmar Ratio)	2.58
CAGR/Mean DD 3y (Pain Ratio)	7.31
Sharpe Ratio 12m	0.51
Alpha	91.28
Beta	0.116
Volatility	52.33%
Current Volume	148.4k
Average Volume 20d	151.1k
Stop Loss	11.7 (-6.3%)
Signal	0.60

Piotroski VR‑10 (Strict, 0-10) 5.5

Net Income (1.75b TTM) > 0 and > 6% of Revenue (6% = 360.5m TTM)

FCFTA 0.11 (>2.0%) and ΔFCFTA 4.30pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 99.49% (prev 205.2%; Δ -105.7pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.11 (>3.0%) and CFO 1.52b <= Net Income 1.75b (YES >=105%, WARN >=100%)

Net Debt (-2.89b) to EBITDA (2.29b) ratio: -1.26 <= 3.0 (WARN <= 3.5)

Current Ratio 13.47 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (7.33m) change vs 12m ago -85.36% (target <= -2.0% for YES)

Gross Margin 60.95% (prev 43.06%; Δ 17.88pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 46.82% (prev 34.50%; Δ 12.32pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.89 (EBITDA TTM 2.29b / Interest Expense TTM 2.48b) >= 6 (WARN >= 3)

Altman Z'' 6.14

(A) 0.44 = (Total Current Assets 6.46b - Total Current Liabilities 479.2m) / Total Assets 13.69b

(B) 0.37 = Retained Earnings (Balance) 5.08b / Total Assets 13.69b

(D) 0.86 = Book Value of Equity 5.16b / Total Liabilities 5.97b

Total Rating: 6.14 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 90.51

1. Piotroski 5.50pt = 0.50

2. FCF Yield 168.1% = 5.0

3. FCF Margin 25.12% = 6.28

4. Debt/Equity 0.05 = 2.50

5. Debt/Ebitda -1.26 = 2.50

6. ROIC - WACC (= 17.96)% = 12.50

7. RoE 24.10% = 2.01

8. Rev. Trend 66.56% = 4.99

9. EPS Trend 84.72% = 4.24

What is the price of XYF shares?

As of November 03, 2025, the stock is trading at USD 12.49 with a total of 148,371 shares traded.
Over the past week, the price has changed by -2.27%, over one month by -13.38%, over three months by -7.44% and over the past year by +95.67%.

Is X Financial a good stock to buy?

Yes, based on ValueRay´s Fundamental Analyses, X Financial (NYSE:XYF) is currently (November 2025) a good stock to buy. It has a ValueRay Fundamental Rating of 90.51 and therefor a positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of XYF is around 17.07 USD . This means that XYF is currently undervalued and has a potential upside of +36.67% (Margin of Safety).

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	-86.4%
Analysts Target Price	1.7	-86.4%
ValueRay Target Price	18.6	48.8%

XYF Fundamental Data Overview October 20, 2025

Market Cap CNY = 3.79b (533.1m USD * 7.1104 USD.CNY)
P/E Trailing = 2.4193
P/S = 0.0711
P/B = 0.5437
Beta = 0.116
Revenue TTM = 6.01b CNY
EBIT TTM = 2.21b CNY
EBITDA TTM = 2.29b CNY
Long Term Debt = 12.7m CNY (from capitalLeaseObligations, last fiscal year)
Short Term Debt = 401.5m CNY (from shortTermDebt, last quarter)
Debt = 401.5m CNY (from shortLongTermDebtTotal, last quarter)
Net Debt = -2.89b CNY (from netDebt column, last quarter)
Enterprise Value = 897.7m CNY (3.79b + Debt 401.5m - CCE 3.29b)
Interest Coverage Ratio = 0.89 (Ebit TTM 2.21b / Interest Expense TTM 2.48b)
FCF Yield = 168.1% (FCF TTM 1.51b / Enterprise Value 897.7m)
FCF Margin = 25.12% (FCF TTM 1.51b / Revenue TTM 6.01b)
Net Margin = 29.09% (Net Income TTM 1.75b / Revenue TTM 6.01b)
Gross Margin = 60.95% ((Revenue TTM 6.01b - Cost of Revenue TTM 2.35b) / Revenue TTM)
Gross Margin QoQ = 40.66% (prev 56.41%)
Tobins Q-Ratio = 0.07 (Enterprise Value 897.7m / Total Assets 13.69b)
Interest Expense / Debt = 188.4% (Interest Expense 756.3m / Debt 401.5m)
Taxrate = 17.34% (110.8m / 638.8m)
NOPAT = 1.83b (EBIT 2.21b * (1 - 17.34%))
Current Ratio = 13.47 (Total Current Assets 6.46b / Total Current Liabilities 479.2m)
Debt / Equity = 0.05 (Debt 401.5m / totalStockholderEquity, last quarter 7.72b)
Debt / EBITDA = -1.26 (Net Debt -2.89b / EBITDA 2.29b)
Debt / FCF = -1.92 (Net Debt -2.89b / FCF TTM 1.51b)
Total Stockholder Equity = 7.25b (last 4 quarters mean from totalStockholderEquity)
RoA = 12.77% (Net Income 1.75b / Total Assets 13.69b)
RoE = 24.10% (Net Income TTM 1.75b / Total Stockholder Equity 7.25b)
RoCE = 30.48% (EBIT 2.21b / Capital Employed (Equity 7.25b + L.T.Debt 12.7m))
RoIC = 23.79% (NOPAT 1.83b / Invested Capital 7.69b)
WACC = 5.82% (E(3.79b)/V(4.19b) * Re(6.44%) + (debt cost/tax rate unavailable))
Discount Rate = 6.44% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: -33.33 | Cagr: -5.71%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈1.23b ; Y1≈1.51b ; Y5≈2.58b
Fair Price DCF = 1785 (DCF Value 43.95b / 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: 66.56 | Revenue CAGR: 27.88% | 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