XYF Stock: Price, Forecast, Financials & AI Analysis

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Open

VWAP

Vol

Mkt Cap

Low

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 1.81, compared to its 5-year average forward P/E of 1.81. 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

1.81

Current PE

1.81

Overvalued PE

3.08

Undervalued PE

0.54

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

0.57

Current PS

0.50

Overvalued PS

0.93

Undervalued PS

0.21

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

4.5

2025-12-23NASDAQ.COM

X Financial and Zhihu Shares Drop 4.4% and 4%, Impacting ETF Performance

3.0

2025-12-17Benzinga

Three Financial Stocks Poised for Significant Growth This Month

4.0

2025-12-02NASDAQ.COM

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

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Frequently Asked Questions

What is X Financial (XYF) stock price today?

The current price of XYF is 6.23 USD — it has increased 3.66 % in the last trading day.

What is X Financial (XYF)'s business?

X Financial is a holding company principally engaged in online personal finance business. The Company is engaged in the connection of borrowers with institutional funding partners and the provision of online personal credit loan products. The Company's main product is Xiaoying Credit Loan, which mainly consists of Xiaoying Card Loan and other unsecured loan products. The Company is also engaged in the provision of secured loan products sunch as Xiaoying Housing Loan and others. The Company primarily conducts its businesses in domestic market.

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 -53.65%.

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

X Financial (XYF) has 563 emplpoyees as of January 11 2026.

What is X Financial (XYF) market cap?

Today XYF has the market capitalization of 243.41M USD.