XYF
X Financial Class A
NYSE: XYF · FINANCIAL SERVICES · CREDIT SERVICES
$4.72
-4.45% today
Updated 2026-04-30
Market cap
$193.87M
P/E ratio
0.96
P/S ratio
0.03x
EPS (TTM)
$5.16
Dividend yield
11.30%
52W range
$3 – $20
Volume
0.2M
WallStSmart proprietary scores
54
out of 100
Grade: C
Hold
Investment rating
4.7
Growth
C7.8
Quality
B+9.0
Profitability
A+6.7
Valuation
B5/9
Piotroski F-Score
Moderate
—
Altman Z-Score
—
—
Industry rank
—
View all highly rated stocks (75+) →206 stocks currently score above 75
Price targets
Analyst target
$1.70
-63.98%
12-Month target
$2.90
-38.56%
Intrinsic (DCF)
—
Margin of safety
—
Price chart
X-Ray snapshot
Strengths
+ Debt/equity 0.07x — low leverage
Risks
- Revenue declining -14.10% QoQ
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $2.32B | $3.28B | $5.87B | $7.43B | $7.64B |
| Net income | $812.00M | $1.19B | $1.54B | $1.42B | $56.38M |
| EPS | — | — | — | — | $5.16 |
| Free cash flow | $446.55M | $316.65M | $805.67M | $1.51B | — |
| Profit margin | 34.95% | 36.21% | 26.23% | 19.17% | 19.20% |
Peer comparison
Smart narrative
X Financial Class A trades at $4.72. representing a P/E of 0.96x trailing earnings. Our Smart Value Score of 54/100 indicates the stock is fair. The company scores 5/9 on the Piotroski F-Score. TTM revenue stands at $7.64B. with profit margins at 19.20%.
Frequently asked questions
What is X Financial Class A's stock price?
X Financial Class A (XYF) trades at $4.72.
Is X Financial Class A overvalued?
Smart Value Score 54/100 (Grade C, Hold).
What is the price target of X Financial Class A (XYF)?
The analyst target price is $1.70, representing -64.0% downside from the current price of $4.72.
What is X Financial Class A's revenue?
TTM revenue is $7.64B.
Piotroski F-Score?
5/9 — moderate financial health.
Company info
SectorFINANCIAL SERVICES
IndustryCREDIT SERVICES
CountryChina
ExchangeNYSE
CurrencyUSD
Quick metrics
P/S ratio0.03x
ROE19.80%
Beta0.47
50D MA$4.68
200D MA$9.49
Shares out0.02B
Float0.09B
Short ratio—
Avg volume0.2M
Performance
1 week—
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