Skip to content
Company Analysis

X Financial XYF

A comprehensive view of key metrics, scores, and financial health for X Financial

Overview of X Financial

XYF NYQ
Financial Services Credit Services Framework: Banks & Lenders Micro Cap
X Financial (XYF), is a Micro Cap company, in the Credit Services industry, last closed at $5.03, about 3796.2% undervalued vs fair value, -72.7% 1Y return, ranked 365/1037 in sector.
USD 5.03
-0.98%
(Delayed)
• Vol 90d: 73.7%
52-Week Range
Market Cap
$187.19M
Enterprise Value
$-2.23B
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Excellent
Health
Fair
Efficiency
Good
Valuation
Weak
Growth
Good
Profitability
Excellent
Health
Fair
Efficiency
Good
Valuation
Weak
Completeness: 82%
Confidence: 49%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

Website https://ir.xiaoyinggroup.com
HQ Shenzhen
Employees 563
Fiscal year Dec 31

Next Events

Earnings Aug 17 Estimated

Fair Value Snapshot

Bear Base Bull
$109
$196
$367
Current: $5.03 +3796% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$1.4B
22.8%%
Interest Expense
$1.6B
Net Interest Income
$-211.0M
16.9%%
Total Revenue
$2.6B
34.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
22.1%
Excellent

Net Income / Equity - key bank profitability metric

Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$298.8M
19.4% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
1
Active Leaks
1/1
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating X Financial's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
71
/100
Moderate
Scores based on quantitative metrics and qualitative factors

Upgrade to unlock interactive defense details

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Deposit Franchise

Strong
80
Premium
Unlock full defense details

See key signals plus strengths and risks for this moat dimension.

Upgrade for full defense analysis Premium-only evidence and insights.
For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing XYF's balance between Growth (43.6%), Profitability (31.9%), and Safety (24.6%). Growth 44% Safety 25% Profitability 32%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

67th percentile vs peers
68
Key Signals
NII Growth YoY 16.9% 88p Equity Growth YoY 18.9% 87p EPS Growth YoY 28.6% 76p Asset Growth YoY 1.5% 29p
Strengths
  • NII Growth YoY in top 20% of peers (16.9%, 88th percentile)
  • Equity Growth YoY in top 20% of peers (18.9%, 87th percentile)
  • ROTE in top 20% of peers (24.2%, 94th percentile)
  • ROA in top 20% of peers (13.1%, 98th percentile)
  • ROE in top 20% of peers (24.1%, 95th percentile)
Risks

No significant risks identified for this axis.

Profitability

49th percentile vs peers
50
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

38th percentile vs peers
38
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for X Financial.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$195.98
- - -
+3796.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info
Send Feedback
Please select a category.
0/1000