X Financial Class Net Income
| XYF Stock | USD 5.26 0.15 2.94% |
As of the 9th of February, X Financial maintains the Standard Deviation of 3.86, risk adjusted performance of (0.25), and Mean Deviation of 2.8. Concerning fundamental indicators, the technical analysis model lets you check timely technical drivers of X Financial Class, as well as the relationship between them. Please check out X Financial Class standard deviation and value at risk to decide if X Financial Class is priced fairly, providing market reflects its latest price of 5.26 per share. Given that X Financial Class has information ratio of (0.34), we strongly advise you to confirm X Financial Class's prevalent market performance to make sure the company can sustain itself sooner or later.
X Financial Total Revenue |
|
Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 0.5796 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income From Continuing Ops | 1.8 B | 1.9 B | |
| Net Income Applicable To Common Shares | 742.9 M | 780 M | |
| Net Income | 1.8 B | 1.9 B | |
| Net Income Per Share | 28.79 | 30.23 | |
| Net Income Per E B T | 0.91 | 0.89 |
XYF | Net Income | Build AI portfolio with XYF Stock |
The Net Income trend for X Financial Class offers valuable insights into the company's financial trajectory and strategic direction. By examining multi-year patterns, investors can identify whether X Financial is strengthening or weakening its position, and how this metric correlates with broader market conditions and industry benchmarks.
Latest X Financial's Net Income Growth Pattern
Below is the plot of the Net Income of X Financial Class over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in X Financial Class financial statement analysis. It represents the amount of money remaining after all of X Financial Class operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is X Financial's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in X Financial's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 1.54 B | 10 Years Trend |
|
Net Income |
| Timeline |
XYF Net Income Regression Statistics
| Arithmetic Mean | 461,563,044 | |
| Geometric Mean | 422,133,386 | |
| Coefficient Of Variation | 182.88 | |
| Mean Deviation | 701,095,849 | |
| Median | 340,275,002 | |
| Standard Deviation | 844,087,508 | |
| Sample Variance | 712483.7T | |
| Range | 3.2B | |
| R-Value | 0.74 | |
| Mean Square Error | 348679.8T | |
| R-Squared | 0.54 | |
| Significance | 0.0008 | |
| Slope | 122,969,209 | |
| Total Sum of Squares | 11399739.5T |
XYF Net Income History
Other Fundumenentals of X Financial Class
| Net Income From Continuing Ops | ||
| Net Income Applicable To Common Shares | ||
| Net Income Per Share | ||
| Net Income Per E B T |
X Financial Net Income component correlations
XYF Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for X Financial is extremely important. It helps to project a fair market value of XYF Stock properly, considering its historical fundamentals such as Net Income. Since X Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of X Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of X Financial's interrelated accounts and indicators.
Click cells to compare fundamentals
Can Consumer Finance industry sustain growth momentum? Does XYF have expansion opportunities? Factors like these will boost the valuation of X Financial. Anticipated expansion of XYF directly elevates investor willingness to pay premium valuations. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating X Financial demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 0.302 | Dividend Share 3.882 | Earnings Share 5.89 | Revenue Per Share | Quarterly Revenue Growth 0.239 |
The market value of X Financial Class is measured differently than its book value, which is the value of XYF that is recorded on the company's balance sheet. Investors also form their own opinion of X Financial's value that differs from its market value or its book value, called intrinsic value, which is X Financial's true underlying value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. Because X Financial's market value can be influenced by many factors that don't directly affect X Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between X Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if X Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Meanwhile, X Financial's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.
X Financial 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to X Financial's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of X Financial.
| 11/11/2025 |
| 02/09/2026 |
If you would invest 0.00 in X Financial on November 11, 2025 and sell it all today you would earn a total of 0.00 from holding X Financial Class or generate 0.0% return on investment in X Financial over 90 days. X Financial is related to or competes with Great Elm, Auburn National, Alpha Cognition, Phenixfin, Scully Royalty, Prairie Operating, and Cayson Acquisition. X Financial provides personal finance services in the Peoples Republic of China More
X Financial Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure X Financial's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess X Financial Class upside and downside potential and time the market with a certain degree of confidence.
| Information Ratio | (0.34) | |||
| Maximum Drawdown | 19.1 | |||
| Value At Risk | (6.68) | |||
| Potential Upside | 4.05 |
X Financial Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for X Financial's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as X Financial's standard deviation. In reality, there are many statistical measures that can use X Financial historical prices to predict the future X Financial's volatility.| Risk Adjusted Performance | (0.25) | |||
| Jensen Alpha | (1.30) | |||
| Total Risk Alpha | (1.63) | |||
| Treynor Ratio | (2.02) |
Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of X Financial's price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
X Financial February 9, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | (0.25) | |||
| Market Risk Adjusted Performance | (2.01) | |||
| Mean Deviation | 2.8 | |||
| Coefficient Of Variation | (311.61) | |||
| Standard Deviation | 3.86 | |||
| Variance | 14.89 | |||
| Information Ratio | (0.34) | |||
| Jensen Alpha | (1.30) | |||
| Total Risk Alpha | (1.63) | |||
| Treynor Ratio | (2.02) | |||
| Maximum Drawdown | 19.1 | |||
| Value At Risk | (6.68) | |||
| Potential Upside | 4.05 | |||
| Skewness | (0.94) | |||
| Kurtosis | 2.83 |
X Financial Class Backtested Returns
X Financial Class shows Sharpe Ratio of -0.33, which attests that the company had a -0.33 % return per unit of volatility over the last 3 months. X Financial Class exposes twenty-three different technical indicators, which can help you to evaluate volatility embedded in its price movement. Please check out X Financial's Risk Adjusted Performance of (0.25), mean deviation of 2.8, and Standard Deviation of 3.86 to validate the risk estimate we provide. The firm maintains a market beta of 0.62, which attests to possible diversification benefits within a given portfolio. As returns on the market increase, X Financial's returns are expected to increase less than the market. However, during the bear market, the loss of holding X Financial is expected to be smaller as well. At this point, X Financial Class has a negative expected return of -1.29%. Please make sure to check out X Financial's value at risk, as well as the relationship between the daily balance of power and price action indicator , to decide if X Financial Class performance from the past will be repeated sooner or later.
Auto-correlation | 0.22 |
Weak predictability
X Financial Class has weak predictability. Overlapping area represents the amount of predictability between X Financial time series from 11th of November 2025 to 26th of December 2025 and 26th of December 2025 to 9th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of X Financial Class price movement. The serial correlation of 0.22 indicates that over 22.0% of current X Financial price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.22 | |
| Spearman Rank Test | 0.44 | |
| Residual Average | 0.0 | |
| Price Variance | 0.14 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
XYF Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
|
Based on the recorded statements, X Financial Class reported net income of 1.54 B. This is 20.55% higher than that of the Consumer Finance sector and 12.87% higher than that of the Financials industry. The net income for all United States stocks is 169.7% lower than that of the firm.
XYF Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses X Financial's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of X Financial could also be used in its relative valuation, which is a method of valuing X Financial by comparing valuation metrics of similar companies.X Financial is currently under evaluation in net income category among its peers.
X Financial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, X Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to X Financial's managers, analysts, and investors.Environmental | Governance | Social |
X Financial Institutional Holders
Institutional Holdings refers to the ownership stake in X Financial that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of X Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing X Financial's value.| Shares | Virtu Financial Llc | 2025-06-30 | 20.6 K | Maven Securities Ltd | 2025-06-30 | 15 K | Amvescap Plc. | 2025-06-30 | 13.7 K | Blackrock Inc | 2025-06-30 | 9.1 K | Bank Of America Corp | 2025-06-30 | 6.5 K | Acadian Asset Management Llc | 2025-06-30 | 5.9 K | Federation Des Caisses Desjardins Du Quebec | 2025-06-30 | 2.2 K | Public Employees Retirement System Of Ohio | 2025-06-30 | 1 K | Sbi Securities Co Ltd | 2025-06-30 | 884 | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 269.3 K | Hel Ved Capital Management Ltd | 2025-06-30 | 254.9 K |
XYF Fundamentals
| Return On Equity | 0.24 | ||||
| Return On Asset | 0.25 | ||||
| Profit Margin | 0.23 % | ||||
| Operating Margin | 0.62 % | ||||
| Current Valuation | 968.94 M | ||||
| Shares Outstanding | 22.8 M | ||||
| Shares Owned By Insiders | 20.20 % | ||||
| Shares Owned By Institutions | 9.14 % | ||||
| Number Of Shares Shorted | 130.83 K | ||||
| Price To Earning | 1.18 X | ||||
| Price To Book | 0.18 X | ||||
| Price To Sales | 0.03 X | ||||
| Revenue | 5.87 B | ||||
| Gross Profit | 5.65 B | ||||
| EBITDA | 3.71 B | ||||
| Net Income | 1.54 B | ||||
| Cash And Equivalents | 584.76 M | ||||
| Cash Per Share | 12.19 X | ||||
| Total Debt | 341.23 M | ||||
| Debt To Equity | 0.03 % | ||||
| Current Ratio | 5.88 X | ||||
| Book Value Per Share | 28.71 X | ||||
| Cash Flow From Operations | 1.52 B | ||||
| Short Ratio | 0.58 X | ||||
| Earnings Per Share | 5.89 X | ||||
| Price To Earnings To Growth | 0.07 X | ||||
| Target Price | 1.7 | ||||
| Number Of Employees | 563 | ||||
| Beta | 0.37 | ||||
| Market Capitalization | 215.05 M | ||||
| Total Asset | 11.82 B | ||||
| Retained Earnings | 4.17 B | ||||
| Annual Yield | 0.10 % | ||||
| Net Asset | 11.82 B | ||||
| Last Dividend Paid | 3.88 |
About X Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze X Financial Class's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of X Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of X Financial Class based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Can Consumer Finance industry sustain growth momentum? Does XYF have expansion opportunities? Factors like these will boost the valuation of X Financial. Anticipated expansion of XYF directly elevates investor willingness to pay premium valuations. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating X Financial demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 0.302 | Dividend Share 3.882 | Earnings Share 5.89 | Revenue Per Share | Quarterly Revenue Growth 0.239 |
The market value of X Financial Class is measured differently than its book value, which is the value of XYF that is recorded on the company's balance sheet. Investors also form their own opinion of X Financial's value that differs from its market value or its book value, called intrinsic value, which is X Financial's true underlying value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. Because X Financial's market value can be influenced by many factors that don't directly affect X Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between X Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if X Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Meanwhile, X Financial's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.