Stock Scorecard
Stock Summary for X Financial (XYF) - $4.85 as of 10/29/2026 12:42:56 PM EST
Total Score
13 out of 30
Safety Score
35 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for XYF
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for XYF
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for XYF
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for XYF
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for XYF (35 out of 100)
| Stock Price Rating (Max of 10) | 3 |
| Historical Stock Price Rating (Max of 10) | 3 |
| Stock Price Trend (Max of 10) | 10 |
| Book Value (Max of 10) | 8 |
| Book Value to Price (Max of 10) | 10 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 2 |
| Operating Margin (Max of 10) | 8 |
| Trading Volume (Max of 10) | 1 |
| Price to Earnings (Max of 10) | 0 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | -10 |
Latest News for for XYF
Financial Details for XYF
Company Overview |
|
|---|---|
| Ticker | XYF |
| Company Name | X Financial |
| Country | N/A |
| Description | X Financial offers personal finance services in the People's Republic of China. The company is headquartered in Shenzhen, the People's Republic of China. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | CREDIT SERVICES |
| Most Recent Quarter | 6/30/2026 |
| Next Earnings Date | 11/19/2026 |
Stock Price History |
|
| Last Day Price | 4.85 |
| Price 4 Years Ago | 2.32 |
| Last Day Price Updated | 10/29/2026 12:42:56 PM EST |
| Last Day Volume | 29,603 |
| Average Daily Volume | 50,972 |
| 52-Week High | 11.51 |
| 52-Week Low | 2.96 |
| Last Price to 52 Week Low | 63.85% |
Valuation Measures |
|
| Trailing PE | N/A |
| Industry PE | 12.00 |
| Sector PE | 19.08 |
| 5-Year Average PE | 1.70 |
| Free Cash Flow Ratio | 0.04 |
| Industry Free Cash Flow Ratio | 277.97 |
| Sector Free Cash Flow Ratio | 67.91 |
| Current Ratio Most Recent Quarter | 10.65 |
| Total Cash Per Share | 137.58 |
| Book Value Per Share Most Recent Quarter | 30.93 |
| Price to Book Ratio | 0.15 |
| Industry Price to Book Ratio | 1.83 |
| Sector Price to Book Ratio | 1.84 |
| Price to Sales Ratio Twelve Trailing Months | 0.03 |
| Industry Price to Sales Ratio Twelve Trailing Months | 1.50 |
| Sector Price to Sales Ratio Twelve Trailing Months | 4.29 |
| Analyst Buy Ratings | N/A |
| Analyst Strong Buy Ratings | N/A |
Share Statistics |
|
| Total Shares Outstanding | 20,666,700 |
| Market Capitalization | 100,233,495 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 9/10/2026 |
| Previous Dividend Amount | 0.2802 |
| Current Dividend Amount | 0.2800 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 0.56 |
| Trailing Annual Dividend Yield | 11.62% |
| Forward Annual Dividend Rate | 0.56 |
| Forward Annual Dividend Yield | 11.62% |
| 5-Year Dividend Payments Count | 7 |
| 3-Year Average Dividend Yield | 7.64% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 5.70% |
| 3-Year Dividend Growth Rate Percentage | 28.36% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | 28.36% |
| Dividend Payout Ratio | 26.80% |
Income Statement |
|
| Quarterly Earnings Growth YOY | -89.60% |
| Annual Earnings Growth | -7.48% |
| Reported EPS 12 Trailing Months | 2.09 |
| Reported EPS Past Year | 0.79 |
| Reported EPS Prior Year | 4.86 |
| Net Income Twelve Trailing Months | 562,186,828 |
| Net Income Past Year | 1,424,651,000 |
| Net Income Prior Year | 1,539,905,765 |
| Quarterly Revenue Growth YOY | -56.30% |
| 5-Year Revenue Growth | 35.65% |
| Operating Margin Twelve Trailing Months | 49.90% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 2,843,315,320 |
| Total Cash Past Year | 987,630,978 |
| Total Cash Prior Year | 2,942,908,653 |
| Net Cash Position Most Recent Quarter | -959,973,680 |
| Net Cash Position Past Year | -2,815,658,022 |
| Long Term Debt Past Year | 3,803,289,000 |
| Long Term Debt Prior Year | 2,501,689,410 |
| Total Debt Most Recent Quarter | 3,803,289,000 |
| Equity to Debt Ratio Past Year | 0.67 |
| Equity to Debt Ratio Most Recent Quarter | 0.67 |
| Total Stockholder Equity Past Year | 7,836,800,637 |
| Total Stockholder Equity Prior Year | 6,953,154,642 |
| Total Stockholder Equity Most Recent Quarter | 7,758,186,100 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 2,891,328,418 |
| Free Cash Flow Per Share Twelve Trailing Months | 139.90 |
| Free Cash Flow Past Year | 1,445,664,209 |
| Free Cash Flow Prior Year | 1,509,163,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.00 |
| MACD Signal | 0.00 |
| 20-Day Bollinger Lower Band | 0.00 |
| 20-Day Bollinger Middle Band | 0.00 |
| 20-Day Bollinger Upper Band | 0.00 |
| Beta | 0.43 |
| RSI | 0.00 |
| 50-Day SMA | 0.00 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 10/29/2026 12:42:57 PM EST |