Price
No data yet.
Social Signal Score
Revenue
$1.17B+470.53%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Yue Tang
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- Employees
- 643
- Beta
- 0.46
- Country
- CN
- Piotroski score
- 7 / 9 (Strong)
- Altman Z-score
- 2.11
Financials
Revenue
$1.17B+470.5%Net Income
$37.72M-26.9%EBITDA
$111.54M+49.2%Free Cash Flow
$0.00EPS (diluted)
$5.76-20.0%Shares Outstanding (diluted)
6.57M-7.3%Operating Expenses
$266.88MCash & Debt
$3.77BReturn of Capital
$0.00Revenue by Segment (annual)
$14.20BDividend per Share
$0.28Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $7.43B | $1.42B | $210.18 |
| 2024 | $5.87B | $1.54B | $191.94 |
| 2023 | $3.28B | $1.19B | $146.88 |
| 2022 | $2.32B | $812.00M | $92.40 |
| 2021 | $1.51B | $825.41M | $88.20 |
| 2020 | $-61.50M | $-1.31B | $-146.64 |
| 2019 | $1.28B | $774.28M | $87.12 |
| 2018 | $2.17B | $883.11M | $110.94 |
| 2017 | $1.00B | $340.28M | $46.92 |
| 2016 | $-39.17M | $-119.57M | $-18.06 |
Valuation
Project earnings forward and see what return today's price implies.
EPS was negative in at least one boundary year, so a compound growth rate can't be computed from it. Set your own assumption.
- EPS in 5 years
- $308.87
- Implied price
- $5,560
- Return from $5.39
- 300.6% a year
To earn 15.0% a year on these assumptions you'd need to buy at $2,764 — today's price is already 99.8% below that.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 12 | 15 | 18 | 21 | 24 |
|---|---|---|---|---|---|
| -2.0% | 235.2% | 250.5% | 263.5% | 274.9% | 285.0% |
| 3.0% | 252.3% | 268.4% | 282.0% | 294.0% | 304.7% |
| 8.0% | 269.4% | 286.2% | 300.6% | 313.1% | 324.3% |
| 13.0% | 286.5% | 304.1% | 319.1% | 332.3% | 344.0% |
| 18.0% | 303.6% | 322.0% | 337.7% | 351.4% | 363.6% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
80-20.00%Social Signal Score
Mentions (2)
- Newsprnewswire.com·5h ago·Negative
X Financial Reports Second Quarter 2026 Unaudited Financial Results SHENZHEN, China, Aug. 24, 2026 /PRNewswire/ -- X Financial (NYSE: XYF), a leading Chinese fintech platform, today announced its unaudited financial results for the second quarter ended June 30, 2026. This press release should be read in conjunction with the Company's Report on Form 6-K for the second quarter ended June 30, 2026, which has been furnished to the U.S. Securities and Exchange Commission and is available on the SEC's…
View source ↗ - Newsprnewswire.com·6d ago·Neutral
X Financial to Report Second Quarter 2026 Financial Results on August 24, 2026 SHENZHEN, China, Aug. 18, 2026 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company"), a leading online personal finance company in China, today announced that it will release its unaudited financial results for the second quarter ended June 30, 2026, before the open of U.S. markets on Monday, August 24, 2026. X Financial's management team will host an earnings conference call at 8:30 AM U.S. Eastern Time on Monday, …
View source ↗
Earnings
Mon, Aug 24(today)
Consensus estimate $0.29 per share
Typical surprise +379.2% (median, so one quarter with a near-zero estimate can't distort it)
- Thu, May 28$0.30 vs $0.29beat
- Wed, Apr 1$1.26 vs $0.28beat
- Thu, Nov 20$1.47 vs $0.28beat
- Mon, Aug 18$1.88 vs $0.28beat
- Mon, May 19$1.48 vs $0.28beat
- Wed, Mar 19$1.16 vs $0.30beat
Estimates and results for XYF via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by XYF officers and directors.
- Bought
- —
- Sold
- $942k
0 trades
2 trades
- Wan Zhengsold
- Wan Zhengsold
26 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.