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X Financial American Depositary Shares each representing two Class A
XYF | US
4.82
USD-0.22
-4.37%
XYF | US
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About X Financial American Depositary Shares each representing two Class A
Sector
Financial Services
Industry
Credit Services
Earnings date
30/06/2024
As of date
18/03/2026
Close
4.82
Open
5.00
High
5.08
Low
4.78
X Financial provides personal finance services in the People's Republic of China. The company offers services as an online marketplace connecting borrowers and investors. Its loan products include Xiaoying credit loan which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners as well as Xiaoying revolving loan. The company also offers Xiaoying housing loan a home equity loan product for property owners; investment products through Xiaoying wealth management platform such as loans money market and insurance products; and loan facilitation services to other platforms. The company was incorporated in 2014 and is headquartered in Shenzhen the People's Republic of China.
View LessXYF | US
Risk
47.5
Sharpe
-0.95
Luna's Score
58/100
Recommendation
Hold
Luna says (XYF | US)
What's Working
Good Dividend Yield (2% <= Dividend Yield <= 8%)
Low Market Beta (-0.4 to 0.8)
Low Debt to Equity (< 0.25)
Low Debt to Asset (< 0.2)
Value Stock (Price to Book < 3)
Strong Operating Margin (> 25%)
Strong Revenue Growth (> 10%)
What's not Working
Weakness based on declining price with high volume
Price Below SMA10D
High Short-term Volatility
Microcap (<300M USD)
Weak Sharpe Ratio (< 0.3)
Volatility Signals
Bearish: Increased Volatility (6-month > 1-month volatility)
Risk Meter
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10 days
52.7%1 month
47.5%3 months
48.1%6 months
54.1%Returns
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Fundamental Ratios
PE
1.76
Fwd. PE
-
Price to book
0.34
Debt to equity
0.07
Debt to assets
0.04
Ent. to EBITDA
-
Ent. to rev.
1.22
PEG
-
Other Fundamentals
EBITDA
1.64B
MarketCap
228.53M
MarketCap(USD)
228.53M
Div. yield
5.11
Op. margin
59.27
Erngs. growth
10.40
Rev. growth
12.50
Ret. on equity
21.85
Short ratio
0.78
Short perc.
0.09
Market Sentiment (SMA and Price signals)
Short-term: Bearish (SMA10D < SMA1M)
Intermediate-term: Bearish (SMA1M < SMA3M)
Long-term: Bearish (SMA6M < SMA12M)
SMAs: Stock Price Trends
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Range10D
0.45
Range1M
0.69
Range3M
2.12
Volumes: Market Activity
Volume Averages
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Rel. volume
1.12
Price X volume
623.83K
Peers
Diversifiers
Industry Comparison
| Parameter | Company | Industry | Indicator |
|---|---|---|---|
| Enterprise to EBITDA | - | 13.23 | - |
| Ent. to Revenue | 1.22 | 11.29 | Cheaper |
| PE Ratio | 1.76 | 18.44 | Cheaper |
| Price to Book | 0.34 | 3.87 | Cheaper |
| Dividend Yield | 5.11 | 4.90 | Par |
| Std. Deviation (3M) | 48.05 | 45.36 | Par |
| Debt to Equity | 0.07 | 6.69 | Cheaper |
| Debt to Assets | 0.04 | 0.42 | Cheaper |
| Market Cap | 228.53M | 23.69B | Emerging |
