Overview Dividends

(XYF) X Financial - Ratings and Ratios

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

Credit Loans, Housing Loans, Guarantee, Microcredit

XYF EPS (Earnings per Share)

EPS Growth (3Y CAGR): -20.08%
EPS Trend (3Y Correlation): -18.0%

XYF Revenue

Revenue Growth (3Y CAGR): 4.25%
Revenue Trend (3Y Correlation): 44.6%

Description: XYF X Financial

X Financial, a Chinese online personal finance company, provides a range of financial services, including unsecured and secured loan products, guarantee services, and e-commerce solutions. The companys product offerings, such as Xiaoying credit loan and Xiaoying housing loan, cater to the growing demand for online financial services in China. With its headquarters in Shenzhen, X Financial has established itself as a key player in the countrys consumer finance sector.

From a market perspective, X Financials listing on the NYSE under the ticker symbol XYF provides access to international capital markets, enhancing its visibility and credibility. As a consumer finance company, XYF operates in a highly regulated industry, and its financial performance is closely tied to the overall health of Chinas consumer credit market.

Analyzing the available data, we can observe that XYFs stock has shown significant volatility, with an Average True Range (ATR) of 1.36, representing a 7.90% fluctuation. The stocks current price of 17.20 is below its 20-day Simple Moving Average (SMA) of 18.13, indicating a potential short-term downtrend. However, the 50-day SMA of 15.30 and 200-day SMA of 9.98 suggest a longer-term uptrend.

Using the available and , we can forecast XYFs potential performance. With a Market Cap of 726.00M USD and a P/E ratio of 3.55, the stock appears undervalued. The RoE of 22.76 indicates a relatively high return on equity, suggesting that the company is generating strong profits from its shareholders equity. Considering the current price is near the 52-week high, we can expect a potential correction. However, if the company continues to demonstrate strong financial performance, the stock may continue its upward trend. A potential price target could be around 22-25 USD, representing a 25-45% increase from the current price, based on the historical SMA trends and the companys fundamental strengths.

XYF Stock Overview

Market Cap in USD	522m
Sub-Industry	Consumer Finance
IPO / Inception	2018-09-18

XYF Stock Ratings

Growth Rating	80.2%
Fundamental	80.4%
Dividend Rating	66.8%
Return 12m vs S&P 500	179%
Analyst Rating	-

XYF Dividends

Dividend Yield 12m	3.30%
Yield on Cost 5y	21.43%
Annual Growth 5y	41.42%
Payout Consistency	43.6%
Payout Ratio	2.0%

XYF Growth Ratios

Growth Correlation 3m	-69.8%
Growth Correlation 12m	92.2%
Growth Correlation 5y	65.1%
CAGR 5y	50.88%
CAGR/Max DD 5y	0.56
Sharpe Ratio 12m	0.93
Alpha	222.20
Beta	0.302
Volatility	80.79%
Current Volume	177.1k
Average Volume 20d	406.7k
Stop Loss	14.1 (-7.2%)
Signal	0.75

Piotroski VR‑10 (Strict, 0-10) 4.5

Net Income (1.75b TTM) > 0 and > 6% of Revenue (6% = 256.0m TTM)

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

NWC/Revenue 51.57% (prev 352.7%; Δ -301.1pp) (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 (-2.60b) to EBITDA (4.45b) ratio: -0.58 <= 3.0 (WARN <= 3.5)

Current Ratio 3.96 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (253.3m) change vs 12m ago 405.7% (target <= -2.0% for YES)

Gross Margin 69.48% (prev -8.71%; Δ 78.20pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 33.25% (prev 23.42%; Δ 9.83pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 1.79 (EBITDA TTM 4.45b / Interest Expense TTM 2.48b) >= 6 (WARN >= 3)

Altman Z'' 5.49

(A) 0.16 = (Total Current Assets 2.94b - Total Current Liabilities 742.6m) / Total Assets 13.69b

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

(D) 0.85 = Book Value of Equity 5.08b / Total Liabilities 5.97b

Total Rating: 5.49 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 80.40

1. Piotroski 4.50pt = -0.50

2. FCF Yield 30.38% = 5.0

3. FCF Margin 35.37% = 7.50

4. Debt/Equity 0.59 = 2.33

5. Debt/Ebitda 1.02 = 1.74

6. ROIC - WACC 34.94% = 12.50

7. RoE 24.10% = 2.01

8. Rev. Trend 44.60% = 2.23

9. Rev. CAGR 4.25% = 0.53

10. EPS Trend -18.00% = -0.45

11. EPS CAGR -20.08% = -2.50

What is the price of XYF shares?

As of August 30, 2025, the stock is trading at USD 15.20 with a total of 177,132 shares traded.
Over the past week, the price has changed by -3.31%, over one month by +4.11%, over three months by -17.83% and over the past year by +226.22%.

Is X Financial a good stock to buy?

Yes, based on ValueRay´s Fundamental Analyses, X Financial (NYSE:XYF) is currently (August 2025) a good stock to buy. It has a ValueRay Fundamental Rating of 80.40 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 17.12 USD . This means that XYF is currently undervalued and has a potential upside of +12.63% (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	-88.8%
Analysts Target Price	1.7	-88.8%
ValueRay Target Price	19.4	27.8%

Last update: 2025-08-21 11:41

XYF Fundamental Data Overview

Market Cap CNY = 3.74b (522.5m USD * 7.1536 USD.CNY)
CCE Cash And Equivalents = 3.29b CNY (Cash only, last quarter)
P/E Trailing = 2.3888
P/S = 0.0791
P/B = 0.5018
Beta = 0.254
Revenue TTM = 4.27b CNY
EBIT TTM = 4.44b CNY
EBITDA TTM = 4.45b CNY
Long Term Debt = 4.12b CNY (from nonCurrentLiabilitiesTotal, last fiscal year)
Short Term Debt = 401.5m CNY (from shortLongTermDebt, last quarter)
Debt = 4.53b CNY (Calculated: Short Term 401.5m + Long Term 4.12b)
Net Debt = -2.60b CNY (from netDebt column, last fiscal year)
Enterprise Value = 4.97b CNY (3.74b + Debt 4.53b - CCE 3.29b)
Interest Coverage Ratio = 1.79 (Ebit TTM 4.44b / Interest Expense TTM 2.48b)
FCF Yield = 30.38% (FCF TTM 1.51b / Enterprise Value 4.97b)
FCF Margin = 35.37% (FCF TTM 1.51b / Revenue TTM 4.27b)
Net Margin = 40.96% (Net Income TTM 1.75b / Revenue TTM 4.27b)
Gross Margin = 69.48% ((Revenue TTM 4.27b - Cost of Revenue TTM 1.30b) / Revenue TTM)
Tobins Q-Ratio = 0.98 (Enterprise Value 4.97b / Book Value Of Equity 5.08b)
Interest Expense / Debt = 16.71% (Interest Expense 756.3m / Debt 4.53b)
Taxrate = 21.42% (from yearly Income Tax Expense: 405.7m / 1.89b)
NOPAT = 3.49b (EBIT 4.44b * (1 - 21.42%))
Current Ratio = 3.96 (Total Current Assets 2.94b / Total Current Liabilities 742.6m)
Debt / Equity = 0.59 (Debt 4.53b / last Quarter total Stockholder Equity 7.72b)
Debt / EBITDA = 1.02 (Net Debt -2.60b / EBITDA 4.45b)
Debt / FCF = 3.00 (Debt 4.53b / FCF TTM 1.51b)
Total Stockholder Equity = 7.25b (last 4 quarters mean)
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 = 39.03% (Ebit 4.44b / (Equity 7.25b + L.T.Debt 4.12b))
RoIC = 45.35% (NOPAT 3.49b / Invested Capital 7.69b)
WACC = 10.42% (E(3.74b)/V(8.26b) * Re(7.13%)) + (D(4.53b)/V(8.26b) * Rd(16.71%) * (1-Tc(0.21)))
Shares Correlation 5-Years: 60.0 | Cagr: 45.56%
Discount Rate = 7.13% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈1.23b ; Y1≈1.51b ; Y5≈2.58b
Fair Price DCF = 1694 (DCF Value 43.95b / Shares Outstanding 25.9m; 5y FCF grow 25.0% → 3.0% )
Revenue Correlation: 44.60 | Revenue CAGR: 4.25%
Rev Growth-of-Growth: 26.11
EPS Correlation: -18.00 | EPS CAGR: -20.08%
EPS Growth-of-Growth: -121.0

Additional Sources for XYF Stock

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