NYSE: XYFX Financial Stock
$13.81+0.31 (+2.3%)
Updated Apr 29, 2025
XYF Price
$13.81
Fair Value Price
N/A
Market Cap
$578.13M
52 Week Low
$3.68
52 Week High
$17.70
P/E
3.16x
P/B
0.61x
P/S
0.5x
PEG
0.28x
Dividend Yield
2.46%
Revenue
$803.25M
Earnings
$210.95M
Gross Margin
43.4%
Operating Margin
33.14%
Profit Margin
26.2%
Debt to Equity
0.7
Operating Cash Flow
$209M
Beta
0.67
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
N/A
XYF Overview
X Financial engages in the development and provision of technology platform for personal finance services. The company is headquartered in Shenzhen, Guangdong and currently employs 744 full-time employees. The Company’s products primarily include Xiaoying Card Loan and Xiaoying Preferred Loan. The firm is also engaged in the provision of investment opportunities to investors through its wealth management platform, Xiaoying Wealth Management. The Company’s WinSAFE risk control system builds risk profiles of its prospective borrowers upon data from credit information providers.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine XYF's potential to beat the market
AStrong Buy
- Stocks with a Zen Rating of Strong Buy (A) had an average return of +32.52% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Credit Service
Industry Rating
A
XYF
Ranked#6 of 49
Ranked#6 of 49
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $26.39 | A | |
| $9.48 | A | |
| $7.86 | A |
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XYF News
Overview
Due Diligence Score
–
Industry Average (35)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how XYF scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
XYF ($13.81) is trading below its intrinsic value of $42.28, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
XYF is good value based on its earnings relative to its share price (3.16x), compared to the US market average (29.19x)
P/E vs Market Valuation
XYF is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more XYF due diligence checks available for Premium users.
Valuation
XYF price to earnings (PE)
For valuing profitable companies with steady earnings
Company
3.16x
Industry
29.53x
Market
29.19x
XYF is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
XYF is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
XYF price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.61x
Industry
5.4x
XYF is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
XYF price to earnings growth (PEG)
For valuing profitable companies with growth potential
XYF is good value based... subscribe to Premium to read more.
PEG Value Valuation
XYF's financial health
Profit margin
Revenue
$234.1M
Net Income
$52.8M
Profit Margin
22.6%
XYF's Earnings (EBIT) of $266.23M... subscribe to Premium to read more.
Interest Coverage Financials
XYF's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$1.6B
Liabilities
$666.6M
Debt to equity
0.7
XYF's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
XYF's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
N/A
Investing
N/A
Financing
N/A
XYF's operating cash flow ($208.40M)... subscribe to Premium to read more.
Debt Coverage Financials
XYF vs Credit Service Stocks
X Financial Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.