Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
XYF
BuyUnloved QualityFLAGX Financial · Financial Services · China · $213M · Avg Vol: $325K/d
72
StockRankGet insider-trade alerts
Q
73
V
69
M
26
P/E (TTM)
2.5x
ROE
7.3%
D/E
0.1x
Dividend %
5.1%
AI CONVICTION THESIS
Insufficient evidence for a screen-pass. X Financial: fails the quant gate on momentum (Q73/V68/M26; every leg must be >= 50). Absence of evidence is neutral; nothing adverse is known.
COMPANY DESCRIPTION
X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 532.1M | 719.0M | 876.9M | 1.1B | 28.9% | 835.6M |
| EPS | 29.80 | 48.71 | 53.81 | 56.67 | 23.9% | — |
| Shares | 22.2M | 22.2M | 22.2M | 22.2M | 0.0% | 20.7M |
| Debt | 12.2M | 95.5M | 79.0M | 174.5M | 142.9% | 63.5M |
| Equity | 709.8M | 873.2M | 1.0B | 1.2B | 18.1% | — |
| Op CF | 93.6M | 207.8M | 227.5M | 219.2M | 32.8% | 218.8M |
| Inv CF | -181.8M | -251.4M | 18.2M | -159.2M | — | — |
| Fin CF | 86.1M | 183.3M | -289.0M | 11.8M | — | — |
Loading 1Y...
PRICE (1Y)+3.2%
SMA 50SMA 200
Close
$5.18
RSI (14)
48.4
52W High
$13.95
From 52W High
0.4%
SCORE BREAKDOWN
Quality
73
ROIC
13.6%88.3
ROE
7.3%35.4
GP/Assets
23.0%87.5
Op. Margin
49.9%69.7
FCF/Assets
9.9%87.7
Piotroski
658.7
Int. Cover
—N/A
D/E Ratio
0.05x76.5
Current Ratio
4.40x74.7
Value
69
P/E (TTM)
2.5x99.0
EV/EBITDA
-1.1x25.0
P/FCF
1.0x95.2
P/B
1.3x47.2
P/S
0.2x98.2
Div Yield
5.1%65.3
Momentum
26
52W High %
37%3.2
RS 6M
7%67.1
SMA 50/200
1.01x42.1
EPS Rev 4W
0.0%27.7
EPS Rev 12W
—N/A
EPS Improve
-83%1.9
Q Growth
-91%1.1
FUNDAMENTALS
Market Cap
$213M
P/E (Forward)
14.9x
Gross Margin
60.1%
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of XYF are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| XYF | X Financial(you) | $213M | 72 | Buy |
| JFIN | Jiayin Group Inc. | $110M | 69 | Buy |
| LX | LexinFintech Holdings Ltd. | $194M | 49 | Hold |
| 1905.HK | Haitong Unitrust International Financial Leasing Co., Ltd. | $1.1B | 63 | Hold |
| 3660.HK | Qfin Holdings, Inc. | $1.1B | 62 | Hold |
| FINV | FinVolution Group | $803M | 52 | Hold |
| 2666.HK | Genertec Universal Medical Group Company Limited | $1.2B | 43 | Hold |
| HTT | High Templar Tech Limited | $408M | 21 | Sell |
| 2858.HK | Yixin Group Limited | $1.1B | 37 | Hold |
| 6069.HK | SY Holdings Group Limited | $903M | 33 | Sell |
Peer medians: ROE 8.4% · P/E 7.6x · Gross margin 54.1%