Is X Financial Stock a Good Investment?
X Financial Investment Advice | XYF |
- Examine X Financial's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research X Financial's leadership team and their track record. Good management can help X Financial navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Consumer Finance space and any emerging trends that could impact X Financial's business and its evolving consumer preferences.
- Compare X Financial's performance and market position to its competitors. Analyze how X Financial is positioned in terms of product offerings, innovation, and market share.
- Check if X Financial pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about X Financial's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in X Financial Class stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if X Financial Class is a good investment.
Sell | Buy |
Strong Sell
Market Performance | OK | Details | |
Volatility | Risky | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Very Low | Details | |
Economic Sensitivity | Moves indifferently to market moves | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Strong Sell | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine X Financial Stock
Researching X Financial's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). The company has Price to Book (P/B) ratio of 0.32. Historically many companies with similar price-to-book (P/B) ratio do better than the market in the long run. X Financial Class has Price/Earnings To Growth (PEG) ratio of 0.07. The entity last dividend was issued on the 4th of September 2024. The firm had 1:3 split on the 19th of November 2020.
To determine if X Financial is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding X Financial's research are outlined below:
| X Financial Class appears to be risky and price may revert if volatility continues | |
| On 27th of September 2024 X Financial paid $ 0.17 per share dividend to its current shareholders | |
| Latest headline from gurufocus.com: X Financial to Report Third Quarter 2024 Financial Results on November 27, 2024 |
X Financial uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in X Financial Class. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to X Financial's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 4th of April 2024 Upcoming Quarterly Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View |
Earnings surprises can significantly impact X Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises X Financial's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2019-11-20 | 2019-09-30 | 0.7 | 0.45 | -0.25 | 35 | ||
2019-08-18 | 2019-06-30 | 0.66 | 0.93 | 0.27 | 40 | ||
2018-11-19 | 2018-09-30 | 0.4 | 0.72 | 0.32 | 80 | ||
2020-08-21 | 2020-06-30 | 0.1 | -0.3109 | -0.4109 | 410 | ||
2020-03-31 | 2019-12-31 | 0.11 | -0.5187 | -0.6287 | 571 | ||
2020-06-29 | 2020-03-31 | 0.28 | -0.42 | -0.7 | 250 |
Know X Financial's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as X Financial is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading X Financial Class backward and forwards among themselves. X Financial's institutional investor refers to the entity that pools money to purchase X Financial's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Awh Capital, L.p. | 2024-09-30 | 258.1 K | Citadel Advisors Llc | 2024-06-30 | 0.0 | Renaissance Technologies Corp | 2024-09-30 | 86.6 K | Morgan Stanley - Brokerage Accounts | 2024-06-30 | 64.6 K | Goldman Sachs Group Inc | 2024-06-30 | 57.4 K | Rhumbline Advisers | 2024-06-30 | 8.7 K | Acadian Asset Management Llc | 2024-06-30 | 5.9 K | Federation Des Caisses Desjardins Du Quebec | 2024-06-30 | 2.2 K | Larson Financial Group, Llc | 2024-06-30 | 400 | Qube Research & Technologies | 2024-06-30 | 36.0 | Alpha Wave Global Lp | 2024-09-30 | 0.0 |
X Financial's market capitalization trends
The company currently falls under 'Small-Cap' category with a total capitalization of 296.32 M.Market Cap |
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X Financial's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.10 | 0.11 | |
| Return On Capital Employed | 0.29 | 0.31 | |
| Return On Assets | 0.10 | 0.11 | |
| Return On Equity | 0.20 | 0.21 |
Determining X Financial's profitability involves analyzing its financial statements and using various financial metrics to determine if X Financial is a good buy. For example, gross profit margin measures X Financial's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of X Financial's profitability and make more informed investment decisions.
Evaluate X Financial's management efficiency
X Financial Class has Return on Asset of 0.0915 % which means that on every $100 spent on assets, it made $0.0915 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.2185 %, implying that it generated $0.2185 on every 100 dollars invested. X Financial's management efficiency ratios could be used to measure how well X Financial manages its routine affairs as well as how well it operates its assets and liabilities. The X Financial's current Return On Tangible Assets is estimated to increase to 0.11. The X Financial's current Return On Capital Employed is estimated to increase to 0.31. At this time, X Financial's Return On Tangible Assets are most likely to increase slightly in the upcoming years. The X Financial's current Return On Assets is estimated to increase to 0.11, while Net Tangible Assets are projected to decrease to roughly 3.1 B.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 120.61 | 126.64 | |
| Tangible Book Value Per Share | 119.85 | 125.84 | |
| Enterprise Value Over EBITDA | (0.70) | (0.74) | |
| Price Book Value Ratio | 0.22 | 0.20 | |
| Enterprise Value Multiple | (0.70) | (0.74) | |
| Price Fair Value | 0.22 | 0.20 | |
| Enterprise Value | -1.1 B | -1 B |
The strategic vision of X Financial Class management plays a critical role in its financial performance. By evaluating this vision, we provide insights into the stock's growth potential.
Dividend Yield 0.0544 | Forward Dividend Yield 0.0544 | Forward Dividend Rate 0.34 | Beta 0.316 |
Basic technical analysis of XYF Stock
As of the 22nd of November, X Financial maintains the Downside Deviation of 3.57, mean deviation of 3.1, and Risk Adjusted Performance of 0.1246. 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 downside deviation, jensen alpha, as well as the relationship between the Jensen Alpha and downside variance to decide if X Financial Class is priced fairly, providing market reflects its latest price of 6.25 per share. Given that X Financial Class has jensen alpha of 0.6949, 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's Outstanding Corporate Bonds
X Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. X Financial Class uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most XYF bonds can be classified according to their maturity, which is the date when X Financial Class has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| RXO 75 15 NOV 27 Corp BondUS98379JAA34 | View | |
| US98372MAC91 Corp BondUS98372MAC91 | View | |
| XHR LP 6375 Corp BondUS98372MAA36 | View |
Understand X Financial's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing X Financial's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.1246 | |||
| Market Risk Adjusted Performance | (9.32) | |||
| Mean Deviation | 3.1 | |||
| Semi Deviation | 3.07 | |||
| Downside Deviation | 3.57 | |||
| Coefficient Of Variation | 648.2 | |||
| Standard Deviation | 4.53 | |||
| Variance | 20.5 | |||
| Information Ratio | 0.1332 | |||
| Jensen Alpha | 0.6949 | |||
| Total Risk Alpha | 0.1752 | |||
| Sortino Ratio | 0.1687 | |||
| Treynor Ratio | (9.33) | |||
| Maximum Drawdown | 27.09 | |||
| Value At Risk | (5.12) | |||
| Potential Upside | 9.28 | |||
| Downside Variance | 12.77 | |||
| Semi Variance | 9.4 | |||
| Expected Short fall | (3.85) | |||
| Skewness | 0.8987 | |||
| Kurtosis | 2.55 |
| Risk Adjusted Performance | 0.1246 | |||
| Market Risk Adjusted Performance | (9.32) | |||
| Mean Deviation | 3.1 | |||
| Semi Deviation | 3.07 | |||
| Downside Deviation | 3.57 | |||
| Coefficient Of Variation | 648.2 | |||
| Standard Deviation | 4.53 | |||
| Variance | 20.5 | |||
| Information Ratio | 0.1332 | |||
| Jensen Alpha | 0.6949 | |||
| Total Risk Alpha | 0.1752 | |||
| Sortino Ratio | 0.1687 | |||
| Treynor Ratio | (9.33) | |||
| Maximum Drawdown | 27.09 | |||
| Value At Risk | (5.12) | |||
| Potential Upside | 9.28 | |||
| Downside Variance | 12.77 | |||
| Semi Variance | 9.4 | |||
| Expected Short fall | (3.85) | |||
| Skewness | 0.8987 | |||
| Kurtosis | 2.55 |
Consider X Financial's intraday indicators
X Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of X Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
X Financial Corporate Filings
6K | 21st of August 2024 A report filed by foreign private issuers with SEC. A foreign private issuer is a non-U.S. company with securities traded on U.S. exchanges. | ViewVerify |
| 23rd of August 2024 Other Reports | ViewVerify | |
| 5th of June 2024 Other Reports | ViewVerify | |
| 29th of April 2024 Other Reports | ViewVerify |
XYF Stock media impact
Far too much social signal, news, headlines, and media speculation about X Financial that are available to investors today. That information is available publicly through XYF media outlets and privately through word of mouth or via XYF internal channels. However, regardless of the origin, that massive amount of XYF data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of X Financial news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of X Financial relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to X Financial's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive X Financial alpha.
X Financial Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards X Financial can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
X Financial Corporate Management
| Kan Li | Chief Risk Officer | Profile | |
| Shengwen Rong | Independent Director | Profile | |
| Zheng Xue | Independent Director | Profile | |
| Yufan Jiang | Chief Officer | Profile |
Already Invested in X Financial Class?
The danger of trading X Financial Class is mainly related to its market volatility and Company specific events. As an investor, you must understand the concept of risk-adjusted return before you start trading. The most common way to measure the risk of X Financial is by using the Sharpe ratio. The ratio expresses how much excess return you acquire for the extra volatility you endure for holding a more risker asset than X Financial. The Sharpe ratio is calculated by using standard deviation and excess return to determine reward per unit of risk. To understand how volatile X Financial Class is, you must compare it to a benchmark. Traditionally, the risk-free rate of return is the rate of return on the shortest-dated U.S. Treasury, such as a 3-year bond.
When determining whether X Financial Class is a strong investment it is important to analyze X Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact X Financial's future performance. For an informed investment choice regarding XYF Stock, refer to the following important reports: Check out Your Current Watchlist to better understand how to build diversified portfolios, which includes a position in X Financial Class. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in manufacturing. You can also try the Funds Screener module to find actively-traded funds from around the world traded on over 30 global exchanges.
Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of X Financial. If investors know XYF will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about X Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.104 | Dividend Share 2.412 | Earnings Share 3.71 | Revenue Per Share 106.508 | Quarterly Revenue Growth 0.125 |
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. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. 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.
In summary, please note that there is a difference between X Financial's value and its price, as these two are different measures arrived at by various 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. However, X Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.