XYF Stock: Price, Forecast, Financials & AI Analysis

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Amount

EV/EBITDA(TTM)

Total Shares

EV/OCF(TTM)

P/S(TTM)

Valuation Metrics

The current forward P/E ratio for X Financial (XYF.N) is 2.23, compared to its 5-year average forward P/E of 1.79. For a more detailed relative valuation and DCF analysis to assess X Financial 's fair value, click here.

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.

5Y Average PE

1.79

Current PE

2.23

Overvalued PE

3.07

Undervalued PE

0.51

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.

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.

5Y Average PS

0.56

Current PS

0.62

Overvalued PS

0.92

Undervalued PS

0.20

Financials

Annual

Quarterly

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Total Revenue

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Operating Profit

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Net Income after Tax

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EPS - Diluted

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Gross Profit Margin - %

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Net Margin - %

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ROIC

Trading Trends

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

XYF News & Events

Events Timeline

No data

News

4.0

12-02NASDAQ.COM

Daily Upgrade Report for Validea Martin Zweig Strategy - December 2, 2025

9.5

11-20Newsfilter

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

9.5

11-20SeekingAlpha

X Financial Reports Non-GAAP EPADS of $1.42 and Revenue of $275.45 Million

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Frequently Asked Questions

What is X Financial (XYF) stock price today?

The current price of XYF is 6.955 USD — it has decreased -2.32 % in the last trading day.

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.

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.

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.

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.

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 -50.46%.

How many employees does X Financial (XYF). have?

X Financial (XYF) has 563 emplpoyees as of December 15 2025.

What is X Financial (XYF) market cap?

Today XYF has the market capitalization of 278.18M USD.