stoxline Quote Chart Rank Option Currency Glossary
  
X Financial (XYF)
4.87  -0.01 (-0.2%)    10-28 13:34
Open: 4.915
High: 4.915
Volume: 19,531
  
Pre. Close: 4.88
Low: 4.82
Market Cap: 32(M)
Technical analysis
2026-10-28 1:20:06 PM
Short term     
Mid term     
Targets 6-month :  6.04 1-year :  6.35
Resists First :  5.17 Second :  5.44
Pivot price 4.95
Supports First :  4.73 Second :  3.94
MAs MA(5) :  4.84 MA(20) :  4.98
MA(100) :  4.89 MA(250) :  5.21
MACD MACD :  -0.1 Signal :  -0.1
%K %D K(14,3) :  19.3 D(3) :  17.9
RSI RSI(14): 44.2
52-week High :  11.5 Low :  2.95
Price, MAs and Bollinger Bands

Price has closed below its short-term moving average. Short-term moving average is currently below mid-term; and below long-term moving average. From the relationship between price and moving averages: This stock is BEARISH in short-term; and NEUTRAL in mid-long term.
[ XYF ] has closed above bottom band by 27.8%. Bollinger Bands are 5.4% narrower than normal. The current width of the bands does not suggest anything about the future direction or movement of prices.

Stock Price Prediction
If tomorrow: Open lower Open higher
High: 4.94 - 4.96 4.96 - 4.98
Low: 4.75 - 4.77 4.77 - 4.79
Close: 4.84 - 4.88 4.88 - 4.91
Company Description

Operating in the People's Republic of China, X Financial delivers personal financial solutions, primarily functioning as an online platform that connects individuals seeking funds with potential investors. The company's diverse lending portfolio encompasses the Xiaoying credit loan, which features the Xiaoying card loan component; the Xiaoying preferred loan, specifically tailored for small enterprise owners; and the Xiaoying revolving loan. Beyond these offerings, X Financial also provides the Xiaoying housing loan, a home equity product for property owners. Through its Xiaoying wealth management platform, clients can access various investment vehicles, including loans, money market instruments, and insurance products. Furthermore, the company extends loan facilitation support to other external platforms. X Financial was established in 2014 and maintains its corporate headquarters in Shenzhen, China.

Headline News

Thu, 27 Aug 2026
X Financial (XYF) Saw its Active-Borrower Count Fall 74.8% Year Over Year. Can Better Credit Metrics Stabilize the Business? - Yahoo Finance

Tue, 25 Aug 2026
X Financial: Pros And Cons Of Owning The Stock (NYSE:XYF) - Seeking Alpha

Tue, 25 Aug 2026
X Financial (XYF) Stock Retreats As Profitability Shrinks Dramatically - Simply Wall Street

Tue, 18 Aug 2026
X Financial to Report Second Quarter 2026 Financial Results on August 24, 2026 - Yahoo Finance

Mon, 04 May 2026
X Financial: From Revenue Acceleration To Surviving Market Uncertainty - Seeking Alpha

Mon, 23 Feb 2026
X Financial-ADR (NYSE:XYF) Passes Key Peter Lynch Investment Filters - ChartMill

Financial Analysis
Price to Book Value:
P/BV, a ratio used to compare book value to its current market price, to gauge whether a stock is valued properly.
Outperform
Price to Earnings:
PE, the ratio for valuing a company that measures its current share price relative to its earnings per share (EPS).
Outperform
Discounted cash flow:
DCF, a valuation method used to estimate the value of an investment based on its expected future cash flows.
Outperform
Return on Assets:
ROA, indicates how profitable a company is in relation to its total assets, how efficiently uses assets to generate a profit.
Outperform
Return on Equity:
ROE, a measure of financial performance calculated by dividing net income by equity. a gauge of profitability and efficiency.
Underperform
Debt to Equity:
evaluate financial leverage, reflects the ability of equity to cover outstanding debts in the event of a business downturn.
Outperform
Stock Basics & Statistics
Exchange:
NYSE
Sector:
Financial Services
Industry:
Financial - Credit Services
Shares Out 21 (M)
Shares Float 14 (M)
Held by Insiders 17 (%)
Held by Institutions 3.8 (%)
Shares Short 87 (K)
Shares Short P.Month 86 (K)
Stock Financials
EPS 2.08
EPS Est Next Qtrly 0
EPS Est This Year 0
EPS Est Next Year 0
Book Value (p.s.) 30.93
Profit Margin 10 %
Operating Margin 49.9 %
Return on Assets (ttm) 14.1 %
Return on Equity (ttm) 7.2 %
Qtrly Rev. Growth -56.3 %
Gross Profit (p.s.) 163.03
Sales Per Share 270.92
EBITDA (p.s.) 142.23
Qtrly Earnings Growth -89.6 %
Operating Cash Flow 0 (M)
Levered Free Cash Flow 0 (M)
Stock Valuations
PE Ratio 2.31
PEG Ratio 0
Price to Book value 0.15
Price to Sales 0.01
Price to Cash Flow 0
Stock Dividends
Dividend 0.28
Forward Dividend 0
Dividend Yield 5.7%
Dividend Pay Date Invalid DateTime.
Ex-Dividend Date Invalid DateTime.

StockChart iOS

Stoxline iOS

Alpha Bridge iOS

OptionCalc iOS

StockChart Android

Stoxline Android

Alpha Bridge Android

OptionCalc Android