XYF · X Financial · Holdings

$4.70 -0.17 (-3.49%)

Market Cap

$187.62M

36.93M

Volume · Oct 20 78.4K Avg daily vol (3M) 60.55K

Institutional ownership from SEC Form 13F filings. Investment managers with more than $100 million in U.S. equities must disclose their positions every quarter, within 45 days of quarter-end, so the holdings shown can lag the market by up to a quarter.

Use institutional holdings through the 13F API or MCP → See every holder of XYF: 13F, 13D and 13G, insiders and funds →

Institutional holdings are being reconciled with SEC filings. Holder totals and changes may be incomplete until reconciliation finishes.

The Sep 30, 2026 filing window is still open — showing the latest known positions. Funds that have not filed yet carry their prior-quarter positions; a fund that filed without this stock counts as sold out. Each fund's Change is measured against its own previous reported quarter, shown in the Reported column. Pick a completed quarter in the Quarter selector below to put every fund on one quarter and see the stock-wide activity breakdown.

Quarter:

Holders: 24

Total Value: $4,186,753

Total Shares: 865,005

Institutional Ownership Trend

27 quarters

Holder Concentration

Across 23 13F filers

Top Holder

22.1%

of institutional value

Top 5

69.1%

of institutional value

Top 10

91.0%

of institutional value

HHI

1,196

Broadly held

Who Holds XYF

Last 8 quarters through Sep 30, 2026 (filing window open)

Each kind of 13F filer's share of the common shares 13F filers report. Holder type comes from regulatory records, never the filer's name; style, turnover and horizon are measured from each filer's own 13F book. The quarter selector does not change this card.

Jun 30, 2026, the newest closed quarter: 23 filers, like-for-like change -31.7%; actively managed books -25.8%; index-like books -76.4%.

Holder type	Share	Filers	Change	New	Exited
Registered adviser	56.7%	11	-13.4%	4	4
Exempt adviser	15.8%	1	-18.9%	0	0
Bank	10.9%	5	+14.2%	0	1
Non-US	0.0%	1	+150.0%	0	0
Holding company	0.6%	1	-95.1%	0	1
Adviser	0.0%	0	-100.0%	0	1
Benefit plan	0.0%	0	—	0	0
Unknown	16.0%	4	-58.0%	1	4

Style	Share	Filers	Change	New	Exited
Index-like	4.0%	4	-76.4%	0	2
Systematic-like	60.0%	6	+2.4%	1	0
Concentrated	3.5%	2	+104269.0%	2	1
Diversified active	32.5%	11	-54.1%	2	8
Not measured	0.0%	0	—	0	0
Unknown	0.0%	0	—	0	0

Turnover	Share	Filers	Change	New	Exited
Low turnover	17.5%	11	-51.7%	2	8
Medium turnover	17.8%	4	-61.4%	1	1
High turnover	62.9%	7	-1.8%	1	2
Unknown	1.8%	1	new	1	0
Not measured	0.0%	0	—	0	0

Holding horizon	Share	Filers	Change	New	Exited
Short horizon	4.8%	2	-30.2%	1	1
Medium horizon	11.1%	5	-27.6%	1	2
Long horizon	46.3%	14	-44.5%	3	6
Unknown	37.9%	2	-7.1%	0	2
Not measured	0.0%	0	—	0	0

13F book size	Share	Filers	Change	New	Exited
Under $1B	5.3%	4	new	4	0
$1B to $10B	3.1%	4	-32.3%	1	3
$10B to $100B	46.0%	5	-51.5%	0	4
$100B or more	45.6%	10	-3.1%	0	4
Not measured	0.0%	0	—	0	0

Client base	Share	Filers	Change	New	Exited
Individuals and high net worth	9.3%	4	-43.4%	3	2
Pooled investment vehicles	37.5%	4	+4.5%	1	1
Pension and profit sharing plans	0.0%	0	—	0	0
Governments and sovereign funds	9.9%	2	-24.6%	0	0
Other investment advisers	0.0%	1	0.0%	0	0
Diversified	0.0%	0	-100.0%	0	1
Unknown	43.3%	12	-46.5%	1	7

Private funds	Share	Filers	Change	New	Exited
Hedge funds	63.2%	6	-7.7%	1	1
Other private funds	0.0%	1	0.0%	0	0
No private funds	9.3%	5	-43.4%	3	2
Real estate funds	0.0%	0	-100.0%	0	1
Unknown	27.5%	11	-55.2%	1	7

Location	Share	Filers	Change	New	Exited
United States	75.5%	18	-34.2%	5	10
Outside the US	24.5%	5	-22.4%	0	1

The Sep 30, 2026 filing window is still open, so its bar carries the Jun 30, 2026 positions of filers that have not filed yet.

How the mix is measured

Shares are 13F common shares restated to today's split basis; options and principal amounts are left out. The change compares only filers with a 13F in both quarters and keeps each filer in its bucket of the later quarter on both sides; a filer that continues under a new CIK is compared through its successor. Holder type comes from each filer's current regulatory profile; client base and private funds come from the Form ADV roster current at each quarter end (rosters from December 2019, so an earlier quarter reads Unknown). Style, turnover, horizon and book size are measured from each filer's 13F book in the newest measured quarter, and Not measured means none was. Actively managed books are those measured systematic-like, concentrated or diversified active.

Excluded 1 holder with no observed 2026-06-30 13F.

Conviction and Crowding

23 13F filers, quarter ended Jun 30, 2026

Measured across every 13F filer's common-share book once the quarter's filing window closed. Crowding counts filers with high turnover or that advise private funds on Form ADV.

Conviction holders

0.000% of filers hold it in their top 10

Mar 31, 2026: 0

Holders above 5%

median weight 0.000%

Mar 31, 2026: 0

Crowding

—

a foreign private issuer reports ordinary shares, a different unit from the listed shares

Private-fund advisers

—

of shares outstanding

Institutional ownership

—

a foreign private issuer reports ordinary shares, a different unit from the listed shares

Top 10 holders

91.0%

of 13F shares, Herfindahl 0.120

Active holders

-25.8%

like-for-like share change of active filers

5% stakes on record

1 13D, 1 13G (0 institutional, 1 passive, 0 exempt)

How long holders have held it value-weighted 5.0 quarters

Under 1 year 40.4% 1 to 3 years 46.8% 3 years or more 12.8% Since coverage start 0.000%

Managers in the top fifth by current three-year FundScore alpha were net buyers of $0 (0 buying, 0 selling).

Estimated Holder Cost Basis

Quarter ended Jun 30, 2026, on that quarter's share basis

Estimated, never filed: each 13F buy is costed at its quarter's average traded price and each sale keeps the average cost, so this is what holders paid on average if they traded evenly through each quarter.

Estimated avg cost

$10.58

estimated per share

Mar 31, 2026: $11.69

Quarter-end price

$4.84

implied by 13F values

Estimated gain or loss

-54.3%

price against the estimated cost

Estimated at a loss

94.6%

of costed 13F value

Estimated cost covers 99.4% of the 13F shares; positions already held when a filer's 13F history starts, or bought in a quarter without a trusted average price, have no estimate.

Shareholder Targets

13F filers that own its peers but not XYF, quarter ended Jun 30, 2026

XYF has no holder-overlap peers, so these filers hold the largest Financial Services stocks: JPM, V, BRK-B, MA, BAC, MS, GS, AXP, WFC, C, SCHW, RY, CB, BLK, PGR, COF, SPGI, TD, BNY, PNC. 6,555 filers in all.

#	Filer	In peers	Of book	Largest peers
1	BlackRock, Inc. Holding company, Index-like	$420,126,205,606 20 held	6.43%	JPM, BRK-B, V
2	VANGUARD CAPITAL MANAGEMENT LLC Registered adviser, Index-like	$357,705,165,418 20 held	7.62%	BRK-B, JPM, V
3	GEODE CAPITAL MANAGEMENT, LLC Registered adviser, Index-like	$135,289,198,168 20 held	7.19%	BRK-B, JPM, V
4	FMR LLC Holding company, Diversified active	$118,595,204,944 20 held	5.26%	BRK-B, V, WFC
5	VANGUARD PORTFOLIO MANAGEMENT LLC Registered adviser, Diversified active	$115,648,086,418 19 held	5.20%	JPM, BRK-B, V
6	Berkshire Hathaway Inc Insurer, Concentrated	$91,098,036,862 4 held	30.4%	AXP, BAC, CB
7	NORGES BANK Non-US, Index-like	$78,828,529,437 20 held	7.83%	BRK-B, JPM, MA
8	MITSUBISHI UFJ FINANCIAL GROUP INC Bank, Unknown	$78,825,883,309 1 held	100.0%	MS
9	BANK OF AMERICA CORP /DE/ Bank, Diversified active	$76,619,588,872 20 held	5.90%	JPM, V, GS
10	PRICE T ROWE ASSOCIATES INC /MD/ Registered adviser, Diversified active	$67,550,854,459 19 held	6.82%	V, MA, JPM

Fund Ownership of XYF by Fund Type

Registered funds' Form N-PORT reports for the quarter ended Jun 30, 2026

Index funds and index ETFs hold 0.10% of shares outstanding.

Fund type	Of shares outstanding	Change	Shares	Funds
Index funds	0.00%	0.00 pp	0	0
Index ETFs	0.10%	-0.01 pp	36,111	2
Active ETFs	0.00%	-0.06 pp	0	0
Active funds	0.00%	0.00 pp	600	1
Unclassified	0.05%	+0.05 pp	18,214	2
All registered funds	0.15%	-0.02 pp	54,925	5

How fund types are measured

Each fund series counts once, with its latest Form N-PORT report dated inside the quarter; only long share positions count, restated to today's split basis. The fund type is the series' latest Form N-CEN answer on or before the quarter end (the index-fund box and the exchange-traded flag), never its name. Unclassified funds have no usable N-CEN; unit investment trusts are among them, so index ownership is a floor. Funds sit inside their advisers' 13F reports, so these shares overlap the 13F figures and are never added to them.

Holder type: Registered adviser 12 Exempt adviser 1 Bank 5 Non-US 1 Holding company 1 Unknown 4

Showing 24 of 24

All Common Calls Puts

Compact Export CSV

Holder

Value (USD)

% of 13F

TWO SIGMA INVESTMENTS, LP

$923,384

22.05%

190,782

Qube Research & Technologies Ltd

$662,073

15.81%

136,792

ACADIAN ASSET MANAGEMENT LLC

$509,221

12.16%

105,211

This filing is a combination report: the position is filed across the managers below.

Manager	Shares	Value (USD)	% of position	Discretion
Acadian Inc	105,211	$509,221	100.0%	Defined

Trexquant Investment LP

$413,229

9.87%

85,378

CITADEL ADVISORS LLC

$384,049

9.17%

79,349

This filing is a combination report: the position is filed across the managers below.

Manager	Shares	Value (USD)	% of position	Discretion
Citadel Securities GP LLC	79,349	$384,049	100.0%	Defined

O'SHAUGHNESSY ASSET MANAGEMENT, LLC

$302,892

7.23%

62,581

UBS Group AG

$233,277

5.57%

48,198

This filing is a combination report: the position is filed across the managers below.

Manager	Shares	Value (USD)	% of position	Discretion
UBS AG	40,588	$196,445	84.2%	Defined
UBS Switzerland AG	7,610	$36,832	15.8%	Defined

RAMSEY QUANTITATIVE SYSTEMS

$134,735

3.22%

27,838

GSA CAPITAL PARTNERS LLP

$125,675

3.00%

25,966

JANE STREET GROUP, LLC

$120,994

2.89%

24,999

This filing is a combination report: the position is filed across the managers below.

Manager	Shares	Value (USD)	% of position	Discretion
Jane Street Capital, LLC	4,084	$19,766	16.3%	Defined
Jane Street Global Trading, LLC	20,915	$101,228	83.7%	Defined

JPMORGAN CHASE & CO

$110,560

2.64%

22,843

This filing is a combination report: the position is filed across the managers below.

Manager	Shares	Value (USD)	% of position	Discretion
J.P. Morgan Securities LLC	22,843	$110,560	100.0%	Defined

STATE STREET CORP

$104,756

2.50%

21,644

This filing is a combination report: the position is filed across the managers below.

Manager	Shares	Value (USD)	% of position	Discretion
SSGA FUNDS MANAGEMENT, INC.	21,644	$104,756	100.0%	Defined

SmartHarvest Portfolios, LLC

$74,637

1.78%

15,421

Police & Firemen's Retirement System of New Jersey

$36,996

0.88%

7,644

This filing is a combination report: the position is filed across the managers below.

Manager	Shares	Value (USD)	% of position	Discretion
Acadian Asset Management LLC	7,644	$36,996	100.0%	Defined

MORGAN STANLEY

$24,736

0.59%

5,111

This filing is a combination report: the position is filed across the managers below.

Manager	Shares	Value (USD)	% of position	Discretion
MORGAN STANLEY CAPITAL SERVICES, LLC	4,051	$19,606	79.3%	Defined
PARAMETRIC PORTFOLIO ASSOCIATES LLC	1,060	$5,130	20.7%	Defined

WealthCollab, LLC

$11,756

0.28%

2,429

This filing is a combination report: the position is filed across the managers below.

Manager	Shares	Value (USD)	% of position	Discretion
Manager 1	2,429	$11,756	100.0%	Defined

ROYAL BANK OF CANADA

$3,915

0.09%

809

This filing is a combination report: the position is filed across the managers below.

Manager	Shares	Value (USD)	% of position	Discretion
RBC Capital Markets, LLC	809	$3,915	100.0%	Defined

Tower Research Capital LLC (TRC)

$3,479

0.08%

719

This filing is a combination report: the position is filed across the managers below.

Manager	Shares	Value (USD)	% of position	Discretion
Latour Trading LLC (Latour)	719	$3,479	100.0%	Defined

NISA INVESTMENT ADVISORS, LLC

$2,374

0.06%

461

CITIGROUP INC

$1,834

0.04%

379

This filing is a combination report: the position is filed across the managers below.

Manager	Shares	Value (USD)	% of position	Discretion
Citigroup Financial Products Inc. joint	379	$1,834	100.0%	Defined

RHUMBLINE ADVISERS

$924

0.02%

191

KELLEHER FINANCIAL ADVISORS

$837

0.02%

173

SBI Securities Co., Ltd.

$411

0.01%

Smartleaf Asset Management LLC

0.00%

Key facts CIK 1725033 CUSIP 98372W202 13F (30d) 2 filings 2 filers Visit website Investor relations