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Market Performance
Stock returned +10.0% over the past year, broadly in line with market conditions.Analyst Target
Analyst consensus price target: ¥1.70.What is X Financial Class A?
X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China.
XYF · Verdict
Strong reward · low risk
XYF scores well on profitability and growth with no major weaknesses flagged in the model.
Based on 88% data coverage
XYF · Verdict
What’s working & what to watch
Strengths 6
- Profitability96/100
26% net margin · 24% ROE
- Growth92/100
Rev +57.2% CAGR · earnings +23.1%
- Balance sheet81/100
Interest covered 2.3×
- Volatility80/100
Top decile vs peers
- Cash flow76/100
26% free-cash-flow margin
- Valuation75/100
Above average
Model-based scoring. For information only — not financial advice.
What is X Financial Class A?
X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. The company offers Xiaoying credit loans, which are online personal credit loan products comprising Xiaoying card loans and other unsecured loan products; and Xiaoying housing loans, a secured home equity loan product. The company is listed on the NYSE in USA, operating in the Financial Services sector, with a market capitalisation of 203.60M, and a P/E ratio of 0.8x.
Financial Highlights
Investment Breakdown
Analysis
Reward: High (80)The scoring profile indicates a strong reward potential, driven primarily by profitability and growth. Risk indicators are low, suggesting a relatively contained downside profile.
For informational purposes only. Not financial advice.