XYF
X Financial Class A
NYSE: XYF · FINANCIAL SERVICES · CREDIT SERVICES
$4.85
-0.61% today
Updated 2026-10-28
Market cap
$178.02M
P/E ratio
2.31
P/S ratio
0.03x
EPS (TTM)
$2.09
Dividend yield
11.60%
52W range
$3 – $12
Volume
0.1M
WallStSmart proprietary scores
48
out of 100
Grade: C
Sell
Investment rating
4.7
Growth
C8.5
Quality
A7.5
Profitability
B+6.7
Valuation
B4/9
Piotroski F-Score
Moderate
2.6
Altman Z-Score
Grey zone
—
Industry rank
—
View all highly rated stocks (75+) →270 stocks currently score above 75
Price targets
Analyst target
$1.70
-64.95%
12-Month target
$2.90
-40.21%
Intrinsic (DCF)
—
Margin of safety
—
Price chart
Stock snapshot
Strengths
+ Debt/equity 0.05x — low leverage
Risks
- Revenue declining -56.30% QoQ
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $2.32B | $3.28B | $5.87B | $7.43B | $5.60B |
| Net income | $812.00M | $1.19B | $1.54B | $1.42B | $46.85M |
| EPS | — | — | — | — | $2.09 |
| Free cash flow | $316.65M | $805.67M | $1.51B | $1.45B | — |
| Profit margin | 34.95% | 36.21% | 26.23% | 19.17% | 10.10% |
Peer comparison
Smart narrative
X Financial Class A trades at $4.85. representing a P/E of 2.31x trailing earnings. Our Smart Value Score of 48/100 indicates the stock is fair. The company scores 4/9 on the Piotroski F-Score. With an Altman Z-Score of 2.63, it sits in the grey zone. TTM revenue stands at $5.60B. with profit margins at 10.10%.
Frequently asked questions
What is X Financial Class A's stock price?
X Financial Class A (XYF) trades at $4.85, on a P/E of 2.3x and a P/S of 0.0x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is X Financial Class A overvalued?
X Financial Class A carries a Smart Value Score of 48/100 (Grade C), which we rate Sell. That score blends growth, quality, and valuation into one read.
What is the price target of X Financial Class A (XYF)?
The 12-month analyst consensus target is $1.70, about 64.9% below the current $4.85. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is X Financial Class A's revenue?
X Financial Class A's trailing twelve-month revenue is $5.60B. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
X Financial Class A's Altman Z-Score is 2.63, which places it in the grey zone. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorFINANCIAL SERVICES
IndustryCREDIT SERVICES
CountryChina
ExchangeNYSE
CurrencyUSD
Quick metrics
P/S ratio0.03x
ROE13.54%
Beta0.43
50D MA$5.20
200D MA$5.01
Shares out0.02B
Float0.01B
Short ratio—
Avg volume0.1M
Performance
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