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X Financial Class A (XYF)

Featured in High-Beta Stocks

X Financial Class A is a depositary receipt listed on the NYSE that represents the common stock of X Financial. The underlying issuer operates through its subsidiaries as an online personal finance company in the People’s Republic of China. Its products include Xiaoying credit loans, which cover online personal credit loan offerings such as Xiaoying card loans and other unsecured lending products, as well as Xiaoying housing loans, a secured home equity loan product. The group also provides guarantee, consulting, e-commerce, and microcredit services, and it is involved in technology development, related services, and product sales. X Financial was founded in 2014 and is headquartered in Shenzhen, China.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NYSE-XYF
$7.59
59.1% Upside
Bargain
—
—
—
Great
—
—
0.79
23.4%
August 17, 2026
0.9x
0.2x
0.2x
178.7 M
106.7 M
27.3%
37.0%
12.3
10.6%
98.7%
Valuation • Fair Value

X Financial Class A (NYSE-XYF) Fair Value by Valuation Model

Compare the primary fair value estimate for X Financial Class A (NYSE-XYF) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$7.59

Estimated upside of 59.1% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$62.32

Classic Ben Graham valuation formula reference.

DDM Fair Value

NM

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$7.59

Comparable-company valuation reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use this section to compare the primary fair value estimate for X Financial Class A (NYSE-XYF) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for X Financial Class A (NYSE-XYF)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

1.092 B

Current operating scale indicator.

Revenue Forecast

1.355 B

Forward revenue estimate.

EBITDA

693.2 M

Current operating profitability reference.

EBITDA Forecast

914 M

Forward operating profitability estimate.

How to read profitability and growth

This section helps investors review X Financial Class A (NYSE-XYF) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for X Financial Class A (NYSE-XYF)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Great

Positive financial-health read.

Piotroski Score

7

Relatively strong quality score.

Beneish M-Score

-1.96

Intermediate zone that deserves monitoring.

Altman Z-Score

12.3

Relatively strong balance-sheet zone.

FCF / Net Income

98.7%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for X Financial Class A (NYSE-XYF). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for X Financial Class A (NYSE-XYF)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

August 17, 2026

Days to Earnings

27

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

23.4%

Income yield reference.

Upcoming Dividend

0.79

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

10.6%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for X Financial Class A (NYSE-XYF), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

X Financial Class A (NYSE-XYF) Stock Forecast & Technical Outlook

Review X Financial Class A (NYSE-XYF) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for X Financial Class A (NYSE-XYF) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for X Financial Class A (NYSE-XYF) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Sell

The daily technical read for X Financial Class A (NYSE-XYF) is currently Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Sell

The weekly technical read for X Financial Class A (NYSE-XYF) is currently Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Sell

The monthly technical read for X Financial Class A (NYSE-XYF) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for X Financial Class A (NYSE-XYF)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Hold

Based on the available recommendation mix, X Financial Class A (NYSE-XYF) has a Hold consensus, with 0 buy, 1 hold and 0 sell recommendations in the current data set.

Buy 0
Hold 1
Sell 0
FAQ • Fast Investor Answers

X Financial Class A (NYSE-XYF) Stock FAQ

Quick answers about X Financial Class A (NYSE-XYF) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$7.59
Estimated upside 59.1%
Valuation Rating
Undervalued
Estimated upside of 59.1%
Analyst Target
Not available
Data is currently unavailable
Financial Health
Great
Current financial-health read

The current fair value estimate for X Financial Class A (NYSE-XYF) is $7.59. This implies an estimated upside of 59.1% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 59.1% versus the current market price.

An analyst price target for X Financial Class A (NYSE-XYF) is not currently available in the latest data file.

The current financial health read for X Financial Class A (NYSE-XYF) is Great. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for X Financial Class A (NYSE-XYF) is August 17, 2026.

Based on the current data, dividend yield is 23.4%, upcoming dividend amount is 0.79.

The current P/E ratio listed for X Financial Class A (NYSE-XYF) is 0.9x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for X Financial Class A is 178.7 M.

The current enterprise value listed for X Financial Class A is 106.7 M. Enterprise value can provide a broader valuation view than market capitalization alone because it also considers net debt.

The ticker symbol for X Financial Class A is NYSE-XYF, and the stock is listed on NYSE.

X Financial Class A (NYSE-XYF) is listed on NYSE.

The current debt-to-total-capital ratio listed for X Financial Class A is 27.3%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for X Financial Class A is 37.0%. Free float helps investors understand how much of the share base is available for public trading.

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