StockData
X Financial logo

X Financial (XYF) stock analysis

XYFNYSEFinance ServicesFiscal year ends December 31
Financials through fiscal 2025, year ended Dec 31, 2025Last filing: 20-F on Apr 30, 2026Score 11/30
$5.50−0.01 (-0.18%)

Close on Nov 12, 2026Market cap $429.95MP/E 1.0Yield –

StockData Score

Prices as of Nov 11, 2026How the score works

Value0Growth4Performance4Health3Dividend0

Mixed11 of 30 checks passed

X Financial passes 11 of the 30 checks behind our score; 17 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
0/6
Growth
4/6
Past performance
4/6
Financial health
3/6
Dividend
0/6

What stands out

  • Return on equity over 15%

    Return on equity was 19.8% over the last twelve months and averaged 21.7% over five years.

  • Return on capital over 10%

    Return on invested capital was 20.0%, above the 10% that usually covers the cost of capital.

  • Low debt

    Debt is 5.2% of shareholders' equity, under the 40% we consider low.

  • Revenue growing 10%+ a year

    Revenue grew 28.9% a year over the last three fiscal years.

What to watch

  • Net margin below its 5-year average

    Net margin was 19.2% over the last twelve months, against a 5-year average of 23.1%.

  • No dividend

    X Financial has not paid a dividend in the last twelve months.

Valuation0/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • EV/EBITDA against its history

    Needs positive EBITDA and price history.

  • P/B against the industry

    Needs positive book value.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth4/6

  • Revenue growing 10%+ a year

    Revenue grew 28.9% a year over the last three fiscal years.

  • EPS growing 10%+ a year

    Diluted EPS grew 32.6% a year over the last three fiscal years.

  • Earnings acceleration

    Needs positive net income now, a year ago and five years ago.

  • Growing faster than the industry

    Revenue grew 30.1% over the last twelve months; the Finance services median is 9.8%.

  • Guidance issued

    The latest outlook (first quarter of 2026 total loan amount facilitated and originated, Mar 25, 2026) was issued for the first time, so it neither adds nor takes away points.

  • Gross margin improving

    Gross margin was 73.6% over the last twelve months, against 70.4% a year earlier.

Past performance4/6

  • Return on equity over 15%

    Return on equity was 19.8% over the last twelve months and averaged 21.7% over five years.

  • Return on capital over 10%

    Return on invested capital was 20.0%, above the 10% that usually covers the cost of capital.

  • Return on equity above the industry

    X Financial's return on equity of 19.8% is above the Finance services median of -33.5%.

  • Earnings over 5 years

    Needs positive net income five years ago and in the latest year.

  • Net margin below its 5-year average

    Net margin was 19.2% over the last twelve months, against a 5-year average of 23.1%.

  • Net margin above the industry

    X Financial's net margin of 19.2% is above the Finance services median of -64.5%.

Financial health3/6

  • Low debt

    Debt is 5.2% of shareholders' equity, under the 40% we consider low.

  • Debt falling against equity

    Debt to equity fell from 11.4% five years ago to 5.2%.

  • Debt covered by cash flow

    Operating cash flow over the last twelve months equals 358% of total debt.

  • Interest coverage

    Interest expense is not reported separately.

  • Short-term liquidity

    The balance sheet is not split into current and non-current items.

  • Bankruptcy risk (Altman Z)

    Needs market value, working capital and retained earnings.

Dividend0/6

  • No dividend

    X Financial has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for X Financial. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Market risk

From the past year of daily prices.

Liquidity

High risk

Average value traded per day
$352.75K
Value traded per 1% price move
$127.29K

Downside

High risk

Typical loss in a bad month
37.8%
Volatility (annualized)
62%
Sharpe ratio, 1 year
-0.96
Beta to the S&P 500 (5Y)
0.67

Typical bad-month loss, week by week

25%: high

Margins

Share of revenue, fiscal years 2015 to 2025

Gross margin

73.6%+68.0 pts over 5 years

Operating margin

21.3%+86.6 pts over 5 years

Net margin

19.2%+78.8 pts over 5 years

See a number that looks wrong?