X Financial (XYF) Stock Price, News & Analysis

Company Overview

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 or institutional funding partners. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as funds, money market, and insurance products; and loan facilitation services to other platforms. In addition, it engages in the technology development, service, and sale of products; and provision of guarantee and consulting services. The company was incorporated in 2014 and is headquartered in Shenzhen, the People's Republic of China.

Key Stats

• Today's Range: $6.07 to $6.16
• 50-Day Range: $4.61 to $8.32
• 52-Week Range: $3.48 to $8.59
• Volume: 5,000 shs
• Average Volume: 22,556 shs
• Market Capitalization: $299.45 million
• P/E Ratio: 1.68
• Dividend Yield: 5.23%
• Price Target: N/A
• Consensus Rating: N/A

X Financial Stock Analysis - MarketRank™

X Financial scored higher than 68% of companies evaluated by MarketBeat, and ranked 438th out of 953 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for X Financial.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of X Financial is 1.68, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 115.65.

Price to Earnings Ratio vs. Sector

The P/E ratio of X Financial is 1.68, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 27.84.

Price to Book Value per Share Ratio

X Financial has a P/B Ratio of 0.36. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.05% of the outstanding shares of X Financial have been sold short.

Short Interest Ratio / Days to Cover

X Financial has a short interest ratio ("days to cover") of 0.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in X Financial has recently decreased by 46.95%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

X Financial is a leading dividend payer. It pays a dividend yield of 5.29%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

X Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of X Financial is 8.77%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.05% of the outstanding shares of X Financial have been sold short.

Short Interest Ratio / Days to Cover

X Financial has a short interest ratio ("days to cover") of 0.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in X Financial has recently decreased by 46.95%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 1.9 / 5
• News Sentiment: 0.33

News Sentiment

X Financial has a news sentiment score of 0.33. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.70 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for X Financial this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, X Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

31.58% of the stock of X Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 1.15% of the stock of X Financial is held by institutions.

XYF Stock Analysis - Frequently Asked Questions

How have XYF shares performed this year?

X Financial's stock was trading at $3.66 on January 1st, 2024. Since then, XYF shares have increased by 67.2% and is now trading at $6.12.
View the best growth stocks for 2024 here.

How were X Financial's earnings last quarter?

X Financial (NYSE:XYF) posted its earnings results on Wednesday, August, 21st. The company reported $1.00 EPS for the quarter. The business had revenue of $188.88 million for the quarter. X Financial had a net margin of 25.38% and a trailing twelve-month return on equity of 20.63%.

When did X Financial IPO?

X Financial (XYF) raised $110 million in an initial public offering (IPO) on Wednesday, September 19th 2018. The company issued 11,000,000 shares at $9.00-$11.00 per share. Deutsche Bank Securities and Morgan Stanley acted as the underwriters for the IPO and EBS International, China Merchants Securities (HK) and AMTD Tiger were co-managers.

How do I buy shares of X Financial?

Shares of XYF stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.
Compare Top Brokerages Here.

What other stocks do shareholders of X Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that X Financial investors own include NVIDIA (NVDA), Broadcom (AVGO), Builders FirstSource (BLDR), e.l.f. Beauty (ELF), General Electric (GE), Disc Medicine (IRON) and ServiceNow (NOW).

Company Calendar

• Last Earnings: 8/21/2024
• Ex-Dividend for 9/27 Dividend: 9/04/2024
• Dividend Payable: 9/27/2024
• Today: 11/17/2024
• Next Earnings (Estimated): 11/27/2024
• Fiscal Year End: 12/31/2024

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Nondepository credit institutions
• Sub-Industry: N/A
• Current Symbol: NYSE:XYF
• CUSIP: N/A
• CIK: 1725033
• Web: www.xiaoyinggroup.com
• Phone: 8675586282977
• Fax: N/A
• Employees: 521
• Year Founded: N/A

Profitability

• EPS (Most Recent Fiscal Year): $3.65
• Trailing P/E Ratio: 1.68
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $167.16 million
• Net Margins: 25.38%
• Pretax Margin: 30.27%
• Return on Equity: 20.63%
• Return on Assets: 10.74%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 2.01
• Quick Ratio: 2.01

Sales & Book Value

• Annual Sales: $678.16 million
• Price / Sales: 0.44
• Cash Flow: $3.56 per share
• Price / Cash Flow: 1.72
• Book Value: $16.83 per share
• Price / Book: 0.36

Miscellaneous

• Outstanding Shares: 48,930,000
• Free Float: 33,475,000
• Market Cap: $299.45 million
• Optionable: Not Optionable
• Beta: 0.31