/XYF
XYF Stock - X Financial
Financial Services|Financial - Credit ServicesNYSE
$6.40-2.29%
$0.15 (-2.29%) • Dec 19
55
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.HOLD
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.0
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).70
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.100
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+10.0%upside
Target: $7.04
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ENTRY ZONE$6.34 – $6.46
TARGET (TP)$7.36
STOP LOSS$5.89
RISK/REWARD1:1.9
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta0.37
52W High$20.36
52W Low$6.36
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $5.87B | $3.28B | $2.32B | $1.51B | $-61,501,115 |
| Gross Profit | $3.91B | $1.60B | $1.32B | $1.37B | $-1,399,388,991 |
| Gross Margin | 66.6% | 48.8% | 56.9% | 90.4% | 2275.4% |
| Operating Income | $1.87B | $1.47B | $1.22B | $1.19B | $-1,601,534,136 |
| Net Income | $1.54B | $1.19B | $812.00M | $825.41M | $-1,308,502,575 |
| Net Margin | 26.2% | 36.2% | 35.0% | 54.6% | 2127.6% |
| EPS | $191.88 | $148.32 | $92.52 | $90.36 | $-24.30 |
Company Overview
X Financial provides personal finance services in the People's Republic of China. The company offers services as an online marketplace connecting borrowers and investors. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners, as well as Xiaoying revolving loan. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as loans, money market, and insurance products; and loan facilitation services to other platforms. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.
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Earnings History & Surprises
XYFBeat Rate
0%
Last 0 quarters
Avg Surprise
+0%
EPS vs Estimate
Beats / Misses
0/0
Last 12 quarters
Latest EPS
$1.47
Q4 2025
EPS Surprise History
Q1 24
No data
Q2 24
No data
Q3 24
No data
Q4 24
No data
Q1 25
No data
Q2 25
No data
Q3 25
No data
Q4 25
No data
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q1 2026 | Mar 19, 2026 | — | — | — | — |
Q4 2025 | Nov 20, 2025 | — | $1.47 | — | — |
Q3 2025 | Aug 18, 2025 | — | $1.88 | — | — |
Q2 2025 | May 19, 2025 | — | $1.48 | — | — |
Q1 2025 | Mar 19, 2025 | — | $1.16 | — | — |
Q4 2024 | Nov 26, 2024 | — | $1.27 | — | — |
Q3 2024 | Aug 21, 2024 | — | $1.03 | — | — |
Q2 2024 | May 30, 2024 | — | $0.91 | — | — |
Q1 2024 | Mar 26, 2024 | — | $0.66 | — | — |
Q4 2023 | Nov 22, 2023 | — | $1.04 | — | — |
Q3 2023 | Aug 28, 2023 | — | $1.03 | — | — |
Q2 2023 | May 24, 2023 | — | $0.91 | — | — |
Q1 2023 | Mar 30, 2023 | — | $0.76 | — | — |
Q4 2022 | Nov 16, 2022 | — | $0.59 | — | — |
Q3 2022 | Aug 8, 2022 | — | $0.56 | — | — |
Q2 2022 | May 23, 2022 | — | $0.43 | — | — |
Q1 2022 | Mar 30, 2022 | — | $0.51 | — | — |
Q4 2021 | Nov 22, 2021 | — | $0.75 | — | — |
Q3 2021 | Aug 9, 2021 | — | $0.66 | — | — |
Q2 2021 | Jun 15, 2021 | — | $0.59 | — | — |
Latest News
CORRECTION: X Financial Q3 Adj. EPADS $1.47 Up From $1.27 YoY, Sales $275.454M Up From $225.504M YoY
📈 PositiveBenzinga•Nov 20, 2025, 10:43 PM
X Financial Q3 Adj. EPADS $1.42 Up From $1.27 YoY, Sales $275.454M Up From $225.504M YoY
📈 PositiveBenzinga•Nov 20, 2025, 09:55 PM
XYF stock has given up its prior gain. X Financial shares were trading higher after the company reported a year-over-year increase in Q2 financial results.
➖ NeutralBenzinga•Aug 19, 2025, 02:29 PM
X Financial shares are trading higher after the company reported a year-over-year increase in Q2 financial results.
📈 PositiveBenzinga•Aug 19, 2025, 12:56 PM
X Financial Q2 Adj. EPS $1.88 Up From $1.03 YoY, Sales $317.317M Up From $188.875M YoY
📈 PositiveBenzinga•Aug 18, 2025, 08:59 PM
Frequently Asked Questions about XYF
What is XYF's current stock price?
X Financial (XYF) is currently trading at $6.40 per share. The stock has moved -2.29% today.
What is the analyst price target for XYF?
No analyst price targets are currently available for this stock.
What sector is X Financial in?
X Financial operates in the Financial Services sector, specifically within the Financial - Credit Services industry. The company is traded on the NYSE exchange.
What is XYF's market cap?
X Financial has a market capitalization of $0.05 billion, making it a small-cap company.
Does XYF pay dividends?
No, X Financial does not currently pay a dividend to shareholders.
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