Price
No data yet.
Social Signal Score
Revenue
$990.78M+383.53%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
- 0.48
- Country
- CN
- Piotroski score
- 6 / 9 (Middling)
- Altman Z-score
- 1.91
Financials
Revenue
$990.78M+383.5%Net Income
$46.85M-9.2%EBITDA
$102.80M+37.5%Free Cash Flow
$0.00EPS (diluted)
$7.50+4.2%Shares Outstanding (diluted)
6.32M-10.8%Operating Expenses
$66.39MCash & Debt
$2.84BReturn 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 $4.95
- 307.5% 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% | 240.9% | 256.5% | 269.7% | 281.3% | 291.6% |
| 3.0% | 258.3% | 274.7% | 288.6% | 300.8% | 311.6% |
| 8.0% | 275.7% | 292.9% | 307.5% | 320.2% | 331.6% |
| 13.0% | 293.1% | 311.1% | 326.3% | 339.7% | 351.6% |
| 18.0% | 310.5% | 329.3% | 345.2% | 359.1% | 371.6% |
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)
30-40.00%Social Signal Score
Mentions (5)
- Newsseekingalpha.com·44d ago·Negative
X Financial: Pros And Cons Of Owning The Stock I initiate X Financial at 'Hold' after considering the positive and negative read-throughs from its recent quarterly disclosures. XYF's 2Q26 revenue fell 16% QoQ, with loan facilitation income dropping sharply amid a cautious origination strategy. But operating margins and delinquency rates improved sequentially, aided by AI-driven cost reductions and tighter underwriting.
View source ↗ - Newsseekingalpha.com·45d ago·Positive
X Financial (XYF) Q2 2026 Earnings Call Transcript X Financial (XYF) Q2 2026 Earnings Call Transcript
View source ↗ - Newsmarketbeat.com·45d ago·Negative
X Financial Q2 Earnings Call Highlights X Financial NYSE: XYF reported lower second-quarter revenue and loan origination volumes as it maintained a conservative operating approach focused on credit quality, liquidity and balance-sheet strength. Management said tighter underwriting and expanded collections efforts contributed to sequential improvement in delinquency measures, though credit metrics remained substantially weaker than a year earlier.
View source ↗ - Newsprnewswire.com·45d 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·51d 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
Wed, Nov 25(in 7 weeks)
Consensus estimate $0.30 per share
Typical surprise +342.4% (median, so one quarter with a near-zero estimate can't distort it)
- Mon, Aug 24$0.65 vs $0.29beat
- 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
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.
Congress trades
No disclosed congressional trades in XYF.
Self-reported filings, amounts as brackets. Via Senate/House disclosures.