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X Financial
XYF.US
X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. The company offers Xiaoying credit loans, which are online personal credit loan products comprising Xiaoying card loans and other unsecured loan products; and Xiaoying housing loans, a secured home equity loan product. It also provides guarantee, consulting, e-commerce, and microcredit services. In addition, the company engages in the technology development and service, as well as the sale of products.
571.58 B
XYF.USMarket value -Rank by Market Cap -/-

Financial Score

05/12/2025 Update
B
Consumer FinanceIndustry
Industry Ranking13/50
Industry medianC
Industry averageC
Score Analysis
Peer Comparison
  • Criteria
    Rating
  • Profit ScoreA
    • ROE24.19%A
    • Profit Margin22.75%A
    • Gross Margin68.05%A
  • Growth ScoreA
    • Revenue YoY45.81%A
    • Net Profit YoY32.28%B
    • Total Assets YoY24.48%A
    • Net Assets YoY13.22%B
  • Cash ScoreB
    • Cash Flow Margin439.50%C
    • OCF YoY45.81%A
  • Operating ScoreB
    • Turnover0.6B
  • Debt ScoreC
    • Gearing Ratio46.02%C

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Institutional View & Shareholder

Analyst Ratings

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    News
    View More

    X Financial’s Earnings Call: Growth Amid Challenges

    X Financial's Q3 earnings call revealed a mixed financial picture. The company reported a 23.9% year-over-year revenue growth and a strong balance sheet, with total assets up 26.4%. However, it faced a 13.7% sequential revenue decline, increased delinquency rates, and a 20.2% drop in net income. X Financial plans to focus on asset quality and risk management amid regulatory pressures, with a cautious loan origination guidance for Q4 2025.

    Tip Ranks·
    US
    XYF
    +2.37%
    Tip Ranks·
    US
    XYF
    +2.37%

    X Financial Reports Strong Loan Growth Amid Challenges

    X Financial Reports Strong Loan Growth Amid Challenges

    Tip Ranks·
    US
    XYF
    +2.37%
    Tip Ranks·
    US
    XYF
    +2.37%

    X Financial (NYSE:XYF) Announces Quarterly Earnings Results

    X Financial (NYSE:XYF) reported quarterly earnings of $1.43 per share, with a net margin of 23.30% and a return on equity of 25.42%. Despite this, the stock fell 5.9% to $9.14. Analysts have downgraded the stock to a 'Hold' rating. Hedge funds have been active in trading the stock, with some increasing their holdings. X Financial provides personal finance services in China, connecting borrowers with investors.

    Market Beat·
    US
    XYF
    +2.37%
    Market Beat·
    US
    XYF
    +2.37%

    X Financial Reports Q3 2025 Financial Results with Increased Loan Activity

    X Financial reported its Q3 2025 financial results, showing an 18.7% increase in loan facilitation to RMB33,641 million and a 24.2% rise in active borrowers to 2.44 million. Despite higher loan volumes, the company faced increased delinquency rates and higher credit-related costs, leading to a decline in operating income. Net income rose by 12.1% year-over-year. Analysts rate XYF stock as a Buy with a $15.00 price target, driven by strong financial performance and attractive valuation, despite bearish technical indicators.

    Tip Ranks·
    US
    XYF
    +2.37%
    Tip Ranks·
    US
    XYF
    +2.37%

    X Financial Forecasts 2025 Loan Origination Between RMB 128.8 Billion and RMB 130.8 Billion

    X Financial forecasts its 2025 loan origination to be between RMB 128.8 billion and RMB 130.8 billion, with Q4 expectations ranging from RMB 21.0 billion to RMB 23.0 billion. This follows a sequential decline in Q3, where loan origination was RMB 33.6 billion, up 18.7% year-over-year. The company focuses on asset quality, credit discipline, and profitability optimization.

    Reuters·
    US
    XYF
    +2.37%
    Reuters·
    US
    XYF
    +2.37%
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