X Financial
XYF
NYSE·Financial Services·Financial - Credit Services·Mkt cap $36.8M
$5.53
▼ -0.72%
P/E
—
Mkt Cap
$36.8M
52-Wk Range
$3.30–$15.58
52-Week Range
$3.30 - $15.58
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Down 59.9% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
No bull reasons captured for this rating yet.
Bear Case
1 risk
- Low volatility (beta 0.5).
Growth
Strong growth ahead
Value
Valuation data unavailable
Momentum
Strong
+14.3% over 3m
Quality
Excellent
Solid business
Dividend
High yield
10.13% yield
Smart-money signal
Who's buying XYF right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Nov 25, 2026
AUG 24, 2026
Reported EPS of $0.65 vs $0.29 consensus (+121.5% surprise). Revenue of $146.0M vs $146.0M expected (0.0%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+121.5%
Revenue trend · last 8Q
—
—
—
+141%
+81%
+17%
-91%
-56%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$161.4M
$183.6M
$288.7M
$338.7M
$292.2M
$215.7M
$25.5M
$147.4M
Margins · last 8Q
Profit
4.7%
Wall Street consensus
Analyst coverage
Live ratings and price targets aggregated across covering analysts.
vs Industry
How XYF stacks vs Financial - Credit Services
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.