(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)
XYF Revenue
| Risk via 10d forecast | |
|---|---|
| Volatility | 49.5% |
| Value at Risk 5%th | 72.3% |
| Relative Tail Risk | -11.28% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.24 |
| Alpha | 75.00 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.561 |
| Beta | 0.785 |
| Beta Downside | 1.800 |
| Drawdowns 3y | |
|---|---|
| Max DD | 40.86% |
| Mean DD | 14.08% |
| Median DD | 13.25% |
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 | 511m |
| Sub-Industry | Consumer Finance |
| IPO / Inception | 2018-09-18 |
| Return 12m vs S&P 500 | 67.3% |
| Analyst Rating | - |
XYF Dividends
| Dividend Yield | 4.56% |
| Yield on Cost 5y | 28.96% |
| Yield CAGR 5y | 100.00% |
| Payout Consistency | 43.6% |
| Payout Ratio | 1.7% |
XYF Growth Ratios
| CAGR 3y | 81.38% |
| CAGR/Max DD Calmar Ratio | 1.99 |
| CAGR/Mean DD Pain Ratio | 5.78 |
| Current Volume | 204.8k |
| Average Volume | 139.9k |
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 |
| (C) 0.17 = EBIT TTM 2.21b / Avg Total Assets 12.83b |
| (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) 85.51
| 1. Piotroski 5.50pt = 0.50 |
| 2. FCF Yield data missing |
| 3. FCF Margin 25.12% = 6.28 |
| 4. Debt/Equity 0.05 = 2.50 |
| 5. Debt/Ebitda -1.26 = 2.50 |
| 6. ROIC - WACC (= 15.77)% = 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 17, 2025, the stock is trading at USD 11.62 with a total of 204,754 shares traded.
Over the past week, the price has changed by -5.68%, over one month by -12.37%, over three months by -7.79% and over the past year by +93.45%.
Over the past week, the price has changed by -5.68%, over one month by -12.37%, over three months by -7.79% and over the past year by +93.45%.
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 85.51 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 16.52 USD . This means that XYF is currently undervalued and has a potential upside of +42.17% (Margin of Safety).
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of XYF is around 16.52 USD . This means that XYF is currently undervalued and has a potential upside of +42.17% (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 | -85.4% |
| Analysts Target Price | 1.7 | -85.4% |
| ValueRay Target Price | 18.4 | 57.9% |
XYF Fundamental Data Overview November 04, 2025
Market Cap CNY = 3.63b (510.6m USD * 7.0992 USD.CNY)
P/E Trailing = 2.3087
P/S = 0.0681
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 = 732.1m CNY (3.63b + Debt 401.5m - CCE 3.29b)
Interest Coverage Ratio = 0.89 (Ebit TTM 2.21b / Interest Expense TTM 2.48b)
FCF Yield = 206.2% (FCF TTM 1.51b / Enterprise Value 732.1m)
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 = 0.05 (Enterprise Value 732.1m / 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 = 8.02% (E(3.63b)/V(4.03b) * Re(8.91%) + (debt cost/tax rate unavailable))
Discount Rate = 8.91% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -5.71%
[DCF Debug] Terminal Value 78.68% ; FCFE base≈1.23b ; Y1≈1.51b ; Y5≈2.58b
Fair Price DCF = 1518 (DCF Value 37.36b / 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
P/E Trailing = 2.3087
P/S = 0.0681
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 = 732.1m CNY (3.63b + Debt 401.5m - CCE 3.29b)
Interest Coverage Ratio = 0.89 (Ebit TTM 2.21b / Interest Expense TTM 2.48b)
FCF Yield = 206.2% (FCF TTM 1.51b / Enterprise Value 732.1m)
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 = 0.05 (Enterprise Value 732.1m / 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 = 8.02% (E(3.63b)/V(4.03b) * Re(8.91%) + (debt cost/tax rate unavailable))
Discount Rate = 8.91% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -5.71%
[DCF Debug] Terminal Value 78.68% ; FCFE base≈1.23b ; Y1≈1.51b ; Y5≈2.58b
Fair Price DCF = 1518 (DCF Value 37.36b / 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
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle