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  3. XYF
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XYF

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Intellectia AI SwingMax
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Valuation Metrics

The current forward P/E ratio for X Financial (XYF.N) is 2.29, compared to its 5-year average forward P/E of 1.78. For a more detailed relative valuation and DCF analysis to assess X Financial 's fair value, click here.
  • Forward PE
  • Forward EV/EBITDA
  • Forward PS

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
Fair
5Y Average PE
1.78
Current PE
2.29
Overvalued PE
3.07
Undervalued PE
0.49

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PS
0.56
Current PS
0.00
Overvalued PS
0.92
Undervalued PS
0.20
Financial AI Agent
Financial AI Agent

Financials

Annual
Quarterly
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Total Revenue
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Operating Profit
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Net Income after Tax
N/A
EPS - Diluted
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Gross Profit Margin - %
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Net Margin - %
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ROIC

Trading Trends

  • Insider
  • Hedge Fund
  • Congress Trading
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
Bought
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
Bought
AI Stock Picker
AI Stock Picker

XYF News & Events

Events Timeline

(ET)
2025-05-20
10:00:05
X Financial rises 21.7%
select
2025-05-20
09:48:03
X Financial rises 13.1%
select
2025-04-11 (ET)
2025-04-11
12:01:38
X Financial falls -11.3%
select
Sign Up For More Events
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News

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4.0
12-02NASDAQ.COM
Daily Upgrade Report for Validea Martin Zweig Strategy - December 2, 2025

  • Validea's Growth Investor Model: The model, based on Martin Zweig's strategy, identifies growth stocks with accelerating earnings, reasonable valuations, and low debt, highlighting several stocks with improved ratings.

  • PJT Partners Inc.: This mid-cap growth stock in the Investment Services industry saw its rating increase from 46% to 85%, indicating strong interest based on its fundamentals and valuation.

  • Insteel Industries Inc.: A small-cap value stock in the construction supplies sector, Insteel's rating also rose from 46% to 85%, reflecting positive underlying fundamentals and valuation metrics.

  • Valley National Bancorp and Other Stocks: Valley National Bancorp, along with X Financial and Glacier Bancorp, all received ratings of 85%, showcasing their strong fundamentals and potential for growth according to Zweig's investment strategy.

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9.5
11-21Newsfilter
X Financial (NYSE: XYF) Announces Q3 2025 Results: Revenue Increases 23.9% Year-Over-Year, Sequential Drop Due to Higher Credit Costs and Decreased Borrower Activity

  • Financial Performance: X Financial reported a total net revenue of $275.5 million for Q3 2025, marking a 23.9% increase year-over-year but a 13.7% decline quarter-over-quarter, attributed to reduced borrower activity and a cautious lending environment.

  • Loan Origination and Delinquency Rates: The company facilitated loans amounting to approximately $4.73 billion, up 18.7% year-over-year but down 13.7% quarter-over-quarter, with delinquency rates increasing, indicating a challenging credit environment.

  • Profitability and Costs: Net income rose 12.1% year-over-year to $59.2 million, although both net income and adjusted net income decreased sequentially due to higher credit-related provisions and operating costs.

  • Outlook and Share Repurchase: X Financial anticipates Q4 2025 loan originations between RMB21.0–23.0 billion, with ongoing share repurchase programs reflecting confidence in long-term growth, having repurchased approximately 4.26 million ADSs for about $67.9 million.

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9.5
11-21SeekingAlpha
X Financial Reports Non-GAAP EPADS of $1.42 and Revenue of $275.45 Million

  • Q3 Financial Performance: X Financial reported a non-GAAP EPADS of $1.42 and revenue of $275.45 million, reflecting a year-over-year increase of 22.2%.

  • Future Outlook: Analysts suggest that the most likely path forward for X Financial remains positive despite current geopolitical challenges.

  • Investment Insights: X Financial is highlighted as a promising tech-finance investment opportunity amid a turbulent market environment.

  • Dividend Information: The company has a dividend scorecard available, providing insights into its dividend performance and strategy.

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FAQ

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What is X Financial (XYF) stock price today?

The current price of XYF is 7.33 USD — it has increased 2.37 % in the last trading day.

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What is X Financial (XYF)'s business?

X FINANCIAL is a China-based company principally engaged in the provision of technology-driven personal finance services. The Company’s products primarily include Xiaoying Card Loan and Xiaoying Preferred Loan. The Company 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.

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What is the price predicton of XYF Stock?

Wall Street analysts forecast XYF stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for XYF is  USD with a low forecast of USD and a high forecast of USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

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What is X Financial (XYF)'s revenue for the last quarter?

X Financial revenue for the last quarter amounts to 1.96B USD, increased 27.86 % YoY.

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What is X Financial (XYF)'s earnings per share (EPS) for the last quarter?

X Financial. EPS for the last quarter amounts to 1.68 USD, increased 30.23 % YoY.

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What changes have occurred in the market's expectations for X Financial (XYF)'s fundamentals?

The market is revising No Change the revenue expectations for XYF for , with the revenue forecasts being adjusted by % over the past three months. During the same period, the stock price has changed by -49.24%.
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How many employees does X Financial (XYF). have?

X Financial (XYF) has 563 emplpoyees as of December 05 2025.

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What is X Financial (XYF) market cap?

Today XYF has the market capitalization of 286.19M USD.

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