X Financial Class Stock Analysis

XYF Stock Analysis Notes

About 66.0% of the company outstanding shares are owned by insiders. The company has Price to Book (P/B) ratio of 0.18. 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 recorded earning per share (EPS) of 5.81. The firm last dividend was issued on the 26th of September 2025. X Financial had 1:3 split on the 19th of November 2020. X Financial provides personal finance services in the Peoples Republic of China. X Financial was founded in 2014 and is headquartered in Shenzhen, the Peoples Republic of China. X Financial operates under Credit Services classification in the United States and is traded on New York Stock Exchange. It employs 424 people. For more information please call Yue Tang at 86 75 5862 82977 or visit https://ir.xiaoyinggroup.com.

X Financial Class Investment Alerts

XYF Largest EPS Surprises

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X Financial Environmental, Social, and Governance (ESG) Scores

XYF Stock Institutional Investors

Note, although X Financial's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

XYF Market Capitalization

The company currently falls under 'Small-Cap' category with a total capitalization of 210.55 M.

XYF Profitablity

The company has Net Profit Margin of 0.23 %, which implies that it may need a different competitive strategy as even a very small decline in it revenue may erase profits and result in a net loss. This is way below average. In the same way, it shows Net Operating Margin of 0.62 %, which entails that for every 100 dollars of revenue, it generated $0.62 of operating income.

Management Efficiency

X Financial Class has Return on Asset of 0.2535 % which means that on every $100 spent on assets, it made $0.2535 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.2419 %, implying that it generated $0.2419 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. At this time, X Financial's Return On Capital Employed is most likely to increase slightly in the upcoming years. The X Financial's current Return On Equity is estimated to increase to 0.21, while Return On Tangible Assets are projected to decrease to 0.12. At this time, X Financial's Other Assets are most likely to increase significantly in the upcoming years. The X Financial's current Fixed Asset Turnover is estimated to increase to 350.45, while Net Tangible Assets are projected to decrease to roughly 3.1 B.

Technical Drivers

As of the 2nd of February, X Financial maintains the Risk Adjusted Performance of (0.23), standard deviation of 3.91, and Mean Deviation of 2.86. 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 5.15 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 Class Price Movement Analysis

X Financial Outstanding Bonds

X Financial Predictive Daily Indicators

X Financial Corporate Filings

X Financial Forecast Models

X Financial's time-series forecasting models are one of many X Financial's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary X Financial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

X Financial Class Debt to Cash Allocation

X Financial Class has 341.23 M in debt with debt to equity (D/E) ratio of 0.03, which may show that the company is not taking advantage of profits from borrowing. X Financial Class has a current ratio of 5.76, demonstrating that it is liquid and is capable to disburse its financial commitments when the payables are due. Note however, debt could still be an excellent tool for XYF to invest in growth at high rates of return.

X Financial Total Assets Over Time

X Financial Assets Financed by Debt

The debt-to-assets ratio shows the degree to which X Financial uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

X Financial Debt Ratio

2.36

It seems as most of the X Financial's assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the X Financial's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of X Financial, which in turn will lower the firm's financial flexibility.

X Financial Corporate Bonds Issued

XYF Short Long Term Debt Total

Stock analysis is the technique used by a trader or investor to examine and evaluate how X Financial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling XYF shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as X Financial. By using and applying XYF Stock analysis, traders can create a robust methodology for identifying XYF entry and exit points for their positions.

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. XYF analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. XYF analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.

X Financial Class stock analysis indicators help investors evaluate how X Financial stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading X Financial shares will generate the highest return on investment. By understating and applying X Financial stock analysis, traders can identify X Financial position entry and exit signals to maximize returns.

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.