XYF Overview

Oversold Stocks Opportunity: The financial sector has several oversold stocks, identified by a Relative Strength Index (RSI) below 30, indicating potential buying opportunities for undervalued companies.

Noah Holdings Performance: Noah Holdings reported strong quarterly sales with a significant year-over-year profit increase, yet its stock fell 10% recently, closing at $9.64 with an RSI of 26.1.

Ready Capital Challenges: Ready Capital's third-quarter results were disappointing, leading to a 12% stock decline, closing at $2.22, and an RSI of 26.1, as the company focuses on restoring financial health.

X Financial's Decline: X Financial experienced a 41% drop in stock price over the past month, closing at $6.63 with an RSI of 25.2, despite reporting a year-over-year revenue increase but facing operational challenges.

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.

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.