XYF
Unloved QualityAI concernX Financial · Financial Services · China · $178M cap · $390K/day traded
$5.50 -0.2% · close 12 Nov · scored 13 Nov
Unloved Quality: Strong and cheap, but the market has not warmed to it.
Strong on the numbers, but the AI review named a specific concern. Its reason is in the AI review below.
As of 13 Nov 2026, the MoatMap Score for X Financial (XYF) is 84/100, ranked against 25,000+ stocks in 38 markets (Quality 73, Value 71, Momentum 39, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
X Financial is a Chinese online consumer lending platform. Its second-quarter 2026 results showed revenue down 56% year on year during a strategic shift, and the company announced a leadership change, both signs that its lending model is under significant pressure in a tightly regulated sector. The low valuation reflects a business whose core revenue is shrinking sharply.
ABOUT X FINANCIAL
Read
X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China.
FINANCIAL SUMMARY (USD)
Reported in CNY
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 530.5M | 681.3M | 817.2M | 1.1B | 26.1% | 839.2M |
| EPS | 29.71 | 46.15 | 50.14 | 52.81 | 21.1% | — |
| Shares | 22.2M | 22.2M | 22.2M | 22.2M | 0.0% | 20.7M |
| Debt | 11.7M | 90.0M | 72.5M | 167.0M | 142.6% | 63.7M |
| Equity | 682.6M | 822.7M | 952.7M | 1.1B | 18.0% | — |
| Op CF | 93.3M | 196.9M | 212.0M | 204.2M | 29.8% | 218.8M |
| Inv CF | -181.3M | -238.2M | 17.0M | -148.4M | — | — |
| Fin CF | 85.8M | 173.7M | -269.3M | 11.0M | — | — |
No new 52-week low for 31 weeks, 86% above that low, but not back above a rising 50-day average.
Swung more than 76% of stocks we rank over the past year (volatility 62% a year).
How this is worked out
The Price check reads only the chart, the price side of the Momentum score in words; it is not the MoatMap Score.
- Still falling: It set a new 52-week low in the last two weeks, after a deep fall.
- Finding a floor (this stock): It fell hard, but has set no new low for more than two weeks.
- Turning up: It has climbed off its low and is back above a rising 50-day average.
- In an uptrend: It is near its 52-week high and above its 200-day average.
- No clear trend: None of the above: no recent deep fall and no steady climb.
- No read yet: Not enough price history yet: it needs a year of trading.
In past US falls, waiting for Turning up cut the chance of another 20% drop from 42% to 33%. Returns were no better, and 33% of turns failed.
The exact rules
Still falling is a new 52-week low in the last two weeks, at least 25% below the high, with the low set after the high. Finding a floor is the same fall with no new low in the last two weeks. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average, with the 50-day average above the 200-day, and within 15% of the high. No clear trend is everything else. No read yet is under 252 trading days of history, or missing data. A new state shows once it has held for three trading days.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
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 | Score |
|---|---|---|---|
| XYF | X Financial(you) | $178M | 84 |
| 1601.HK | Zhongguancun Science-Tech Leasing Co., Ltd. | $134M | 65 |
| JFIN | Jiayin Group Inc. | $68M | 72 |
| FINV | FinVolution Group | $694M | 75 |
| 2666.HK | Genertec Universal Medical Group Company Limited | $1.1B | 75 |
| LX | LexinFintech Holdings Ltd. | $105M | 47 |
| 1905.HK | Haitong Unitrust International Financial Leasing Co., Ltd. | $1.3B | 75 |
| 3660.HK | Qfin Holdings, Inc. | $697M | 61 |
| 2858.HK | Yixin Group Limited | $680M | 46 |
| HTT | High Templar Tech Limited | $309M | 22 |
Peer medians: ROE 7.7% · P/E 7.4x · Gross margin 54.7%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.