X Financial Class Stock Performance
| XYF Stock | USD 5.60 0.18 3.11% |
The firm maintains a market beta of 0.75, 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 -1.43%. Please make sure to check out X Financial's value at risk, as well as the relationship between the daily balance of power and period momentum indicator , to decide if X Financial Class performance from the past will be repeated sooner or later.
Risk-Adjusted Performance
Weakest
Weak | Strong |
Over the last 90 days X Financial Class has generated negative risk-adjusted returns adding no value to investors with long positions. Despite unsteady performance in the last few months, the Stock's basic indicators remain nearly stable which may send shares a bit higher in February 2026. The current disturbance may also be a sign of long-run up-swing for the company stockholders. ...more
Actual Historical Performance (%)
One Day Return (3.11) | Five Day Return (3.78) | Year To Date Return (33.41) | Ten Year Return (84.41) | All Time Return (84.41) |
Forward Dividend Yield 0.0917 | Payout Ratio | Last Split Factor 1:3 | Forward Dividend Rate 0.53 | Dividend Date 2025-10-15 |
| X Financial dividend paid on 15th of October 2025 | 10/15/2025 |
1 | Can SPDR MSCI EAFE StrategicFactors ETF stock hold up in economic slowdown - Quarterly Trade Review Capital Efficiency Focused Strategies - Trung tm D bo KTTV q... | 10/17/2025 |
2 | X Financial Stock Price Down 7.2 percent - Heres What Happened - MarketBeat | 10/29/2025 |
3 | Current Report X Financial | 11/06/2025 |
4 | X Outage 2025 Hourly Financial Losses - Finance Monthly | 11/18/2025 |
5 | X Financial Reports Q3 2025 Results Revenue 23.9 percent YoY, Sequential Decline Amid Rising Credit Costs and Moderating Borrower Activity | 11/20/2025 |
6 | Earnings call transcript X Financials Q3 2025 sees revenue rise, stock dips - Investing.com India | 11/21/2025 |
7 | X Financial Q3 2025 Earnings Call Transcript | 11/24/2025 |
8 | X Financial Stock Price Down 3.3 percent Should You Sell | 12/18/2025 |
| Begin Period Cash Flow | 1.9 B | |
| Total Cashflows From Investing Activities | 122 M |
X Financial Relative Risk vs. Return Landscape
If you would invest 1,429 in X Financial Class on October 3, 2025 and sell it today you would lose (869.00) from holding X Financial Class or give up 60.81% of portfolio value over 90 days. X Financial Class is generating negative expected returns assuming volatility of 3.6705% on return distribution over 90 days investment horizon. In other words, 32% of stocks are less volatile than XYF, and above 99% of all equities are expected to generate higher returns over the next 90 days. Expected Return |
| Risk |
X Financial Market Risk Analysis
Today, many novice investors tend to focus exclusively on investment returns with little concern for X Financial's investment risk. Standard deviation is the most common way to measure market volatility of stocks, such as X Financial Class, and traders can use it to determine the average amount a X Financial's price has deviated from the expected return over a period of time. It is calculated by determining the expected price for the established period and then subtracting this figure from each price point. The differences are then squared, summed, and averaged to produce the variance.
Sharpe Ratio = -0.3897
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| Negative Returns | XYF |
Based on monthly moving average X Financial is not performing at its full potential. However, if added to a well diversified portfolio the total return can be enhanced and market risk can be reduced. You can increase risk-adjusted return of X Financial by adding X Financial to a well-diversified portfolio.
X Financial Fundamentals Growth
XYF Stock prices reflect investors' perceptions of the future prospects and financial health of X Financial, and X Financial fundamentals are critical determinants of its market performance. Overall, investors pay close attention to revenue and earnings growth, profit margins, and debt levels. These fundamentals can have a significant impact on XYF Stock performance.
| Return On Equity | 0.24 | ||||
| Return On Asset | 0.25 | ||||
| Profit Margin | 0.23 % | ||||
| Operating Margin | 0.62 % | ||||
| Current Valuation | 1.09 B | ||||
| Shares Outstanding | 22.8 M | ||||
| Price To Earning | 1.18 X | ||||
| Price To Book | 0.20 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 | 28.44 X | ||||
| Cash Flow From Operations | 1.52 B | ||||
| Earnings Per Share | 5.81 X | ||||
| Market Capitalization | 236.31 M | ||||
| Total Asset | 11.82 B | ||||
| Retained Earnings | 4.17 B | ||||
About X Financial Performance
By analyzing X Financial's fundamental ratios, stakeholders can gain valuable insights into X Financial's financial health, operational efficiency, and overall profitability, helping them make informed investment and management decisions. For instance, if X Financial has a high ROA and ROE, it suggests that the company is efficiently using its assets and equity to generate substantial profits, making it an attractive investment. Conversely, if X Financial has a low ROA and ROE, it may indicate underlying issues in asset and equity management, signaling a need for operational improvements.
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.13 | 0.14 | |
| Return On Capital Employed | 0.17 | 0.18 | |
| Return On Assets | 0.13 | 0.14 | |
| Return On Equity | 0.22 | 0.23 |
Things to note about X Financial Class performance evaluation
Checking the ongoing alerts about X Financial for important developments is a great way to find new opportunities for your next move. Stock alerts and notifications screener for X Financial Class help investors to be notified of important events, changes in technical or fundamental conditions, and significant headlines that can affect investment decisions.| X Financial Class generated a negative expected return over the last 90 days | |
| X Financial Class has high historical volatility and very poor performance | |
| X Financial Class has a poor financial position based on the latest SEC disclosures | |
| About 66.0% of the company outstanding shares are owned by insiders | |
| Latest headline from thelincolnianonline.com: X Financial Stock Price Down 3.3 percent Should You Sell |
- Analyzing X Financial's financial statements, including its income statement, balance sheet, and cash flow statement, helps in understanding its overall financial health and growth potential.
- Getting a closer look at valuation ratios like price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and price-to-book (P/B) ratio help in understanding whether X Financial's stock is overvalued or undervalued compared to its peers.
- Examining X Financial's industry or sector and how it is performing can give you an idea of its growth potential and how it is positioned relative to its competitors.
- Evaluating X Financial's management team can have a significant impact on its success or failure. Reviewing the track record and experience of X Financial's management team can help you assess the Company's leadership.
- Pay attention to analyst opinions and ratings of X Financial's stock. These opinions can provide insight into X Financial's potential for growth and whether the stock is currently undervalued or overvalued.
Complementary Tools for XYF Stock analysis
When running X Financial's price analysis, check to measure X Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy X Financial is operating at the current time. Most of X Financial's value examination focuses on studying past and present price action to predict the probability of X Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move X Financial's price. Additionally, you may evaluate how the addition of X Financial to your portfolios can decrease your overall portfolio volatility.
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