<p>投资者常常受到寻找 “下一个大事件” 的理念的引导，即使这意味着购买没有任何收入，更不用说利润的 “故事股票”。但正如彼得·林奇在《华尔街的赢家》中所说，“长线投资几乎从不回报。” 虽然一家资金充足的公司可能会持续亏损多年，但最终需要产生利润，否则投资者将会离开，公司也将逐渐衰退。</p>
<p>如果这种类型的公司不符合你的风格，你喜欢那些能够产生收入，甚至赚取利润的公司，那么你可能会对 <strong>小赢科技</strong>（NYSE:XYF）感兴趣。虽然这并不一定说明它被低估，但业务的盈利能力足以值得一些关注——尤其是如果它在增长的话。</p>
<p>人工智能即将改变医疗保健。这 20 只股票正在从早期诊断到药物发现等各个方面进行工作。最棒的是——它们的市值都在 100 亿美元以下——现在仍然有机会提前布局。</p>
<h2>小赢科技的每股收益正在增长</h2>
<p>如果一家公司能够持续增长每股收益（EPS），其股价最终应该会跟随上涨。因此，经验丰富的投资者在进行投资研究时，密切关注公司的每股收益是有道理的。必须承认，小赢科技在过去三年中每股收益增长了 46%。虽然这种增长率无法长期维持，但无疑会引起潜在投资者的注意。</p>
<p>验证公司增长的一种方法是查看其收入和息税前利润（EBIT）利润率的变化。值得注意的是，小赢科技的运营收入低于过去十二个月的收入，因此这可能会扭曲我们对其利润率的分析。小赢科技的股东可以对 EBIT 利润率从 32% 上升到 69% 以及收入增长感到信心。在我们看来，满足这两个条件是增长的良好迹象。</p>
<p>下图显示了公司底线和顶线随时间的变化情况。点击图表查看确切数字。</p>
<p><img src="https://imageproxy.pbkrs.com/https://images.simplywall.st/asset/chart/557966096-earnings-and-revenue-history-1-dark-2/1758982249297?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://images.simplywall.st/asset/chart/557966096-earnings-and-revenue-history-1-dark-2/1758982249297"/></p>
<p>NYSE:XYF 每股收益和收入历史 2025 年 9 月 27 日</p>
<p>查看我们对小赢科技的最新分析</p>
<p>虽然盈利能力推动了上涨，但谨慎的投资者总是会检查资产负债表。</p>
<h2>小赢科技的内部人士与所有股东的利益一致吗？</h2>
<p>理论上，高内部持股率被视为一个令人鼓舞的迹象，因为这将公司业绩直接与管理层的财务成功联系在一起。因此，关注小赢科技的人会很高兴地知道，内部人士已经表现出他们的信心，持有公司大量股份。确切地说，公司内部人士持有 54% 的股份，因此他们的决策对他们的投资有重大影响。这应该被视为一件好事，因为这意味着内部人士对为股东提供最佳结果有个人利益。在当前的股价下，这部分内部持股的价值高达 3.21 亿人民币。这是他们的一个令人难以置信的支持。</p>
<h2>小赢科技值得在你的观察名单上占有一席之地吗？</h2>
<p>小赢科技的收益以相当令人印象深刻的方式增长。这种每股收益的增长水平对吸引投资大有裨益，而公司内部人士的大量投资更是锦上添花。有时，快速的每股收益增长是企业达到拐点的标志，因此这里存在潜在的机会。因此，从表面上看，小赢科技值得放在你的观察名单上；毕竟，当市场低估快速增长的公司时，股东会受益。我们不想过于泼冷水，但我们确实发现了 <strong>小赢科技的两个警示信号</strong>，你需要保持警惕。</p>
<p>虽然选择没有增长收益且缺乏内部购买的股票可能会产生结果，但对于重视这些关键指标的投资者来说，这里有一份经过精心挑选的美国公司名单，具有良好的增长潜力和内部信心。</p>
<p><em>请注意，本文讨论的内部交易指的是相关司法管辖区内可报告的交易。</em></p>

小赢科技

<p>小赢科技（NYSE:XYF）因其过去三年每股收益（EPS）年增长 46% 以及息税前利润率（EBIT）从 32% 提升至 69% 而受到关注。内部人士持有公司 54% 的股份，显示出与股东利益的强烈一致性。尽管公司展现出增长潜力，但投资者仍需对两个警示信号保持谨慎。总体而言，对于那些对具有稳健收入和利润生成能力的公司感兴趣的投资者来说，小赢科技值得关注</p>

<p>Investors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks' without any revenue, let alone profit. But as Peter Lynch said in <em>One Up On Wall Street</em>, 'Long shots almost never pay off.' While a well funded company may sustain losses for years, it will need to generate a profit eventually, or else investors will move on and the company will wither away.</p>
<div class="lb-trans"><p>投资者常常受到寻找 “下一个大事件” 的理念的引导，即使这意味着购买没有任何收入，更不用说利润的 “故事股票”。但正如彼得·林奇在《华尔街的赢家》中所说，“长线投资几乎从不回报。” 虽然一家资金充足的公司可能会持续亏损多年，但最终需要产生利润，否则投资者将会离开，公司也将逐渐衰退。</p>
</div><p>If this kind of company isn't your style, you like companies that generate revenue, and even earn profits, then you may well be interested in <strong>X Financial</strong> (NYSE:XYF). While this doesn't necessarily speak to whether it's undervalued, the profitability of the business is enough to warrant some appreciation - especially if its growing.</p>
<div class="lb-trans"><p>如果这种类型的公司不符合你的风格，你喜欢那些能够产生收入，甚至赚取利润的公司，那么你可能会对 <strong>小赢科技</strong>（NYSE:XYF）感兴趣。虽然这并不一定说明它被低估，但业务的盈利能力足以值得一些关注——尤其是如果它在增长的话。</p>
</div><p>AI is about to change healthcare. These 20 stocks are working on everything from early diagnostics to drug discovery. The best part - they are all under $10bn in marketcap - there is still time to get in early.</p>
<div class="lb-trans"><p>人工智能即将改变医疗保健。这 20 只股票正在从早期诊断到药物发现等各个方面进行工作。最棒的是——它们的市值都在 100 亿美元以下——现在仍然有机会提前布局。</p>
</div><h2>X Financial's Earnings Per Share Are Growing</h2>
<div class="lb-trans"><h2>小赢科技的每股收益正在增长</h2>
</div><p>If a company can keep growing earnings per share (EPS) long enough, its share price should eventually follow. So it makes sense that experienced investors pay close attention to company EPS when undertaking investment research. Recognition must be given to the that X Financial has grown EPS by 46% per year, over the last three years. While that sort of growth rate isn't sustainable for long, it certainly catches the eye of prospective investors.</p>
<div class="lb-trans"><p>如果一家公司能够持续增长每股收益（EPS），其股价最终应该会跟随上涨。因此，经验丰富的投资者在进行投资研究时，密切关注公司的每股收益是有道理的。必须承认，小赢科技在过去三年中每股收益增长了 46%。虽然这种增长率无法长期维持，但无疑会引起潜在投资者的注意。</p>
</div><p>One way to double-check a company's growth is to look at how its revenue, and earnings before interest and tax (EBIT) margins are changing. It's noted that X Financial's revenue <em>from operations</em> was lower than its revenue in the last twelve months, so that could distort our analysis of its margins. X Financial shareholders can take confidence from the fact that EBIT margins are up from 32% to 69%, and revenue is growing. Ticking those two boxes is a good sign of growth, in our book.</p>
<div class="lb-trans"><p>验证公司增长的一种方法是查看其收入和息税前利润（EBIT）利润率的变化。值得注意的是，小赢科技的运营收入低于过去十二个月的收入，因此这可能会扭曲我们对其利润率的分析。小赢科技的股东可以对 EBIT 利润率从 32% 上升到 69% 以及收入增长感到信心。在我们看来，满足这两个条件是增长的良好迹象。</p>
</div><p>The chart below shows how the company's bottom and top lines have progressed over time. Click on the chart to see the exact numbers.</p>
<div class="lb-trans"><p>下图显示了公司底线和顶线随时间的变化情况。点击图表查看确切数字。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://images.simplywall.st/asset/chart/557966096-earnings-and-revenue-history-1-dark-2/1758982249297" alt="" original-src="https://images.simplywall.st/asset/chart/557966096-earnings-and-revenue-history-1-dark-2/1758982249297"/></p>
<p>NYSE:XYF Earnings and Revenue History September 27th 2025</p>
<div class="lb-trans"><p>NYSE:XYF 每股收益和收入历史 2025 年 9 月 27 日</p>
</div><p>See our latest analysis for X Financial</p>
<div class="lb-trans"><p>查看我们对小赢科技的最新分析</p>
</div><p>While profitability drives the upside, prudent investors always check the balance sheet, too.</p>
<div class="lb-trans"><p>虽然盈利能力推动了上涨，但谨慎的投资者总是会检查资产负债表。</p>
</div><h2>Are X Financial Insiders Aligned With All Shareholders?</h2>
<div class="lb-trans"><h2>小赢科技的内部人士与所有股东的利益一致吗？</h2>
</div><p>Theory would suggest that it's an encouraging sign to see high insider ownership of a company, since it ties company performance directly to the financial success of its management. So those who are interested in X Financial will be delighted to know that insiders have shown their belief, holding a large proportion of the company's shares. To be exact, company insiders hold 54% of the company, so their decisions have a significant impact on their investments. This should be seen as a good thing, as it means insiders have a personal interest in delivering the best outcomes for shareholders. At the current share price, that insider holding is worth a staggering CN¥321m. This is an incredible endorsement from them.</p>
<div class="lb-trans"><p>理论上，高内部持股率被视为一个令人鼓舞的迹象，因为这将公司业绩直接与管理层的财务成功联系在一起。因此，关注小赢科技的人会很高兴地知道，内部人士已经表现出他们的信心，持有公司大量股份。确切地说，公司内部人士持有 54% 的股份，因此他们的决策对他们的投资有重大影响。这应该被视为一件好事，因为这意味着内部人士对为股东提供最佳结果有个人利益。在当前的股价下，这部分内部持股的价值高达 3.21 亿人民币。这是他们的一个令人难以置信的支持。</p>
</div><h2>Does X Financial Deserve A Spot On Your Watchlist?</h2>
<div class="lb-trans"><h2>小赢科技值得在你的观察名单上占有一席之地吗？</h2>
</div><p>X Financial's earnings have taken off in quite an impressive fashion. This level of EPS growth does wonders for attracting investment, and the large insider investment in the company is just the cherry on top. At times fast EPS growth is a sign the business has reached an inflection point, so there's a potential opportunity to be had here. So at the surface level, X Financial is worth putting on your watchlist; after all, shareholders do well when the market underestimates fast growing companies. We don't want to rain on the parade too much, but we did also find <strong>2 warning signs for X Financial</strong> that you need to be mindful of.</p>
<div class="lb-trans"><p>小赢科技的收益以相当令人印象深刻的方式增长。这种每股收益的增长水平对吸引投资大有裨益，而公司内部人士的大量投资更是锦上添花。有时，快速的每股收益增长是企业达到拐点的标志，因此这里存在潜在的机会。因此，从表面上看，小赢科技值得放在你的观察名单上；毕竟，当市场低估快速增长的公司时，股东会受益。我们不想过于泼冷水，但我们确实发现了 <strong>小赢科技的两个警示信号</strong>，你需要保持警惕。</p>
</div><p>While opting for stocks without growing earnings and absent insider buying can yield results, for investors valuing these key metrics, here is a carefully selected list of companies in the US with promising growth potential and insider confidence.</p>
<div class="lb-trans"><p>虽然选择没有增长收益且缺乏内部购买的股票可能会产生结果，但对于重视这些关键指标的投资者来说，这里有一份经过精心挑选的美国公司名单，具有良好的增长潜力和内部信心。</p>
</div><p><em>Please note the insider transactions discussed in this article refer to reportable transactions in the relevant jurisdiction.</em></p>
<div class="lb-trans"><p><em>请注意，本文讨论的内部交易指的是相关司法管辖区内可报告的交易。</em></p>
</div>

以下是我们认为小赢科技（NYSE:XYF）非常值得关注的原因