B
Bull
Bull · 25%XYF
$17.50
Scenario price
$5.540
+0.143 (+2.59%)At close
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- High
- 5.550
- Open
- 5.150
- VWAP
- 5.40
- Vol
- 78.83K
- Mkt Cap
- 215.55M
- Low
- 5.110
- Amount
- 425.67K
- EV/EBITDA, TTM
- 0.00
X Financial is a holding company principally engaged in online personal finance business. The Company is engaged in the connection of borrowers with institutional funding partners and the provision of online personal credit loan products. The Company's main product is Xiaoying Credit Loan, which mainly consists of Xiaoying Card Loan and other unsecured loan products. The Company is also engaged in the provision of secured loan products sunch as Xiaoying Housing Loan and others. The Company primarily conducts its businesses in domestic market.
AI analysis of X Financial (XYF)
holdX Financial is not a good buy right now due to significant declines in revenue and net income, despite a recent uptick in stock price. The current price is $5.54, and the company reported a staggering 70.2% year-over-year decline in loan facilitation volume, which raises concerns about future profitability. Additionally, the gross margin has dropped to 58.65%, indicating operational challenges. The main risk is the 91.1% year-over-year drop in net income for Q2, which highlights severe profitability issues.
Analyst Ratings (2)
Hold
0 Buy
2 Hold
0 Sell
Current: 5.54
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Valuation Metrics
The current forward P/E ratio for X Financial (XYF) is 0.00, compared to its 5-year average forward P/E of 1.82.
Alphio AI Price Scenarios for XYF
Scenario prices are the last monthly forecast band of the current year. Probabilities are fixed model weights (25 / 50 / 25), not guarantees.
Events Timeline
News
9.508-25NewsfilterX Financial Q2 2026 Earnings Call Insights
9.508-25NASDAQ.COMX Financial Reports Q2 Earnings: Focus on Credit Quality
9.508-24Yahoo FinanceX Financial Q2 2026 Earnings Report Analysis
9.508-24PRnewswireX Financial Releases Q2 2026 Financial Results
- 9.508-18Newsfilter
X Financial to Release Q2 Earnings on August 24, 2026
XYF FAQ — answered by Alphio AI
X Financial is a holding company principally engaged in online personal finance business. The Company is engaged in the connection of borrowers with institutional funding partners and the provision of online personal credit loan products. The Company's main product is Xiaoying Credit Loan, which mainly consists of Xiaoying Card Loan and other unsecured loan products. The Company is also engaged in the provision of secured loan products sunch as Xiaoying Housing Loan and others. The Company primarily conducts its businesses in domestic market. It operates in the Technology sector.
X Financial is not a good buy right now due to significant declines in revenue and net income, despite a recent uptick in stock price. The current price is $5.54, and the company reported a staggering 70.2% year-over-year decline in loan facilitation volume, which raises concerns about future profitability. Additionally, the gross margin has dropped to 58.65%, indicating operational challenges. The main risk is the 91.1% year-over-year drop in net income for Q2, which highlights severe profitability issues.
2 analysts cover XYF: 0 rate it Buy, 2 Hold and 0 Sell.
Diese Seite dient nur der Recherche und ist keine Anlageberatung. Modelle können falsch liegen. Vergangene Wertentwicklung ist kein Indikator für die Zukunft.