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XYF (NYSE) Stock Analysis | X FINANCIAL CLASS A – Deepscope
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XYF — X FINANCIAL CLASS A (Financial Services >> Credit Services)

XYF FAQ

What is XYF's P/E ratio?

X FINANCIAL CLASS A (XYF) currently trades at a P/E ratio of 0.17.

What is XYF's ROE?

X FINANCIAL CLASS A reports a Return on Equity (ROE) of 13.48%.

What is XYF's dividend yield?

X FINANCIAL CLASS A offers a dividend yield of 11.37%.

What is XYF's Deepscope Quality Score?

Deepscope rates XYF's overall financial quality at 46 out of 100, based on profitability, growth, debt and earnings stability.

Is now a good time to buy XYF?

Deepscope's AI Timing Score for XYF is 50 out of 100, indicating the relative attractiveness of buying at the current price using technical and momentum signals.

Which sector does XYF belong to?

X FINANCIAL CLASS A is classified under the Financial Services >> Credit Services sector on the NYSE exchange.

Stock Check   *Daily update data at 9:30 AM*
(Price: 2026-06-05 | FS: 2026-03-31)

XYF

X FINANCIAL CLASS A
USD 4.71
-0.22 (-4.46%) Day Change
0.17
P/E
0.05
D/E
13.5%
ROE
7.7%
ROA
11.37%
Div Yield
USD 4.71
Price
-0.22 (-4.46%)
Day Change
NEWS SCORE: 94

XYF, the overall quality is not good ( Quality = 46) and the timing to buy is ...(Sign In to See)...

46

QUALITY

Signal
UNDERPERFORM
Signal Description
Company financial health is Not Good
Reason
Acceleration of ROE growth rate is below our criteria.
Negative growth of ROE in the last year.
ROE is decreasing significantly
ROA is too relatively low compare to ROE
Acceleration of ROA growth rate is below our criteria.
Growth of ROA was below our criteria in the last year.
Acceleration of net profit margin growth rate is below our criteria

88 Sign in

TIMING

Signal
OUTPERFORM
Signal Descri...
Good
Reason
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In details, quality factors are not quite good , financial health is not quite good , and ability to make profit is ok , ...

Quality Factors 52%
X
X
X
X
  In Recommendations? Not in any sections
  Select Rate 0.00 From 30 days period
  Watch Rate 0.00 From 30 days period
  News Score 94
  Magic Formula Rank by ROA
120
  Magic Formula Rank by ROE
120
  Magic Formula Rank by ROIC
149
  Price 4.71
  PBV / Sector
0.02 / 3.70
GREAT
  Earning Per Share 27.15
  PE / Sector
0.17 / 13.32
GREAT
  PEG or PE/Growth / Sector
N/A / 0.11
  Average 1M Daily Value
0.63 M
GREAT
  Average 1W Daily Value
0.40 M
GREAT
Timing Factors 42%
  MACD
  MACD Signal
  MACD Divergence
  RSI
  Stochastic Oscillator K
  Stochastic Oscillator D
  ADX
  Avg 5 day Timing Score
Financial Health 58%
X
X
X
X
  DE / Sector
  DE Average / Sector
  DE Change Average (%) / Sector
  Current Ratio / Sector
  Current Ratio Average / Sector
  Current Ratio Change Average (%) / Sector
  Quick Ratio / Sector
  Quick Ratio Average / Sector
  Quick Ratio Change Average (%) / Sector
  FCF/Share / Sector
  FCF/Share Average / Sector
  FCF/Share Change Average (%) / Sector
Ability to Make Profit 66%
X
X
X
X
X
X
X
  GPM (%) / Sector
  GPM Average (%) / Sector
  GPM Change Average (%) / Sector
  OPM (%) / Sector
  OPM Average (%) / Sector
  OPM Change Average (%) / Sector
  NPM (%) / Sector
16.46 / 69.35
GOOD
  NPM Average (%) / Sector
26.60 / 32.18
GREAT
  NPM Change Average (%) / Sector
-16.25 / 22.57
  Asset Turnover / Sector
  Asset Turnover Average / Sector
  Asset Turnover Change Average (%) / Sector
  ROA (%) / Sector
7.70 / 5.76
  ROA Average (%) / Sector
9.96 / 4.80
  ROA Change Average (%) / Sector
-1.86 / 7.85
  ROE (%) / Sector
13.48 / 23.71
  ROE Average (%) / Sector
18.24 / 10.23
  ROE Change Average (%) / Sector
-3.96 / 7.16
  ROIC (%) / Sector
  ROIC Average (%) / Sector
  ROIC Change Average (%) / Sector
Return to Investors 100%
X
  Dividend (%) / Sector
11.37 / 2.99
GREAT
  Dividend Average (%) / Sector
7.57 / 4.20
GREAT
  Dividend Change Average (%) / Sector
41.73 / 19.68
GREAT
Registration Details
X
  Analyze Date 2026-06-06 09:09:13
  Symbol XYF
  Name X FINANCIAL CLASS A
  Sector Financial Services >> Credit Services
  Market NYSE
  Listed Shares 22.25 M
  Par Value N/A
  Calculated From Quarter
  Sign N/A
  Market Cap (M.USD) / Sector Average 181.03 / 38,628.68
News, Concensus, ...
  Estimation Consensus See at WSJ.com
  Full details See at WSJ.com
  Chart See in Chart feature
  News See at Yahoo Finance

Address: Aerospace Science and Technology Plaza, Shenzhen, China, 518067

Phone: 86 75 5862 82977

Website: https://ir.xiaoyinggroup.com

Employees: 643

Sector: Financial Services >> Credit Services

Description: 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. It also provides guarantee, consulting, e-commerce, and microcredit services. In addition, the company engages in the technology development and service, as well as the sale of products. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.

ME vs SECTOR Financial Services >> Credit Services

XYF (ME)
Sector Peers
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XYF
XYF
USD 4.71 (-4.46%)
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