XYF · X Financial · Metrics
Market Cap
$187.62M
Shares
36.93M
Volume · Oct 20
78.42K
Avg daily vol (3M)
60.55K
XYF metrics
67 of 122 screener metrics currently available.
Market overview
2 metricsShare price
$4.87
Market cap
$187.62M
Price action
20 metricsPrice change (1W)
-3.2%
Price change (30D)
-4.9%
Price change (3M)
+1.5%
Price change (6M)
+4.1%
Price change (YTD)
-13.0%
Price change (1Y)
-61.7%
Trailing year
Price change (5Y)
-24.6%
52-week high
$12.88
52-week low
$3.41
Change from 52-week high
-62.2%
Change from 52-week low
+42.8%
Annualized volatility
58.3%
Annualized volatility (3M)
42.4%
Beta
1.2
RSI (14D)
43.2
Price vs SMA 50
-7.0%
Price vs SMA 200
-3.1%
Avg volume (3M)
60,545
Relative volume
1.3
Average dollar volume
$315,360
Company
3 metricsSector
Financial Services
Industry
Credit Services
Shares outstanding
36.93M
Valuation
12 metricsP / E (TTM)
1.3
Trailing earnings · reciprocal yield 78.4%
PEG ratio
—
EV / revenue
—
EV / EBITDA
—
EV / EBIT
—
P / sales
0.2×
reciprocal yield 516.2%
P / book
0.2
reciprocal yield 600.3%
FCF yield
—
TTM · current market cap
Buyback yield
—
P / FCF
—
P / operating cash flow
—
Earnings yield
78.4%
Historical valuation
8 metricsP / E historical average (3Y)
—
P / E historical average (5Y)
—
EV / revenue historical average (3Y)
—
EV / revenue historical average (5Y)
—
EV / EBIT historical average (3Y)
—
EV / EBIT historical average (5Y)
—
EV / EBITDA historical average (3Y)
—
EV / EBITDA historical average (5Y)
—
Dividends & buybacks
7 metricsDividend yield
11.5%
Trailing 12 months
Payout ratio
—
Shareholder yield
—
Dividend / share (TTM)
$0.56
Dividend growth YoY
+5.7%
Dividend growth streak
2
Last ex-dividend
2026-09-10
Earnings calendar
2 metricsNext earnings
—
Last earnings
2026-08-24
Profitability
9 metricsGross margin
73.6%
Operating margin
17.4%
Trailing 12 months
Net margin
15.2%
Gross profit (TTM)
—
Operating profit (TTM)
$1.20B
Net income (TTM)
$147.06M
Trailing 12 months
Diluted EPS (TTM)
—
FCF margin
—
Effective tax rate
25.2%
Growth
11 metricsRevenue growth YoY
-39.3%
Year over year
Net income growth YoY
-91.7%
Revenue (TTM)
$968.48M
Trailing 12 months
EPS growth YoY
-90.9%
Shares change YoY
-9.3%
Year over year · fewer shares
Revenue CAGR (3Y)
+28.9%
Revenue CAGR (5Y)
+28.4%
EPS CAGR (3Y)
+32.6%
EPS CAGR (5Y)
—
FCF CAGR (3Y)
+32.6%
FCF CAGR (5Y)
—
Quality
14 metricsReturn on equity
13.4%
Return on assets
7.7%
Debt / equity
—
Current ratio
—
EBITDA (TTM)
—
Free cash flow (TTM)
—
Quick ratio
—
Interest coverage
—
Net debt / EBITDA
—
Return on invested capital
—
Trailing 12 months
Net cash
—
Latest balance sheet
Cash & equivalents
$148.05M
Total assets
$1.97B
Total debt
—
Cash flow & spend
7 metricsOperating cash flow (TTM)
—
Capital expenditures (TTM)
—
R&D (TTM)
—
SG&A (TTM)
$268.67M
Stock compensation (TTM)
—
R&D / revenue
—
Stock compensation / revenue
—
Ownership (13F)
9 metrics13F filers
23
13F filer change QoQ
-7
Institutional ownership
2.3%
Conviction holders (share of 13F filers)
0.0%
Crowding (high-turnover and private-fund holders)
—
Private-fund adviser ownership
—
Active holders' share change QoQ
-25.8%
Holder tenure
5.0
Price vs estimated holder cost
-54.3%
Ownership (registered funds)
1 metricsIndex-fund ownership
0.1%
Short interest
3 metricsShort interest
0.2%
Latest settlement · 1.5 days to cover
Days to cover
1.5d
Short-squeeze score
42 / 100
Insider activity
2 metricsNet insider buying (90D)
—
Insider-sentiment score
—
Risk flags
1 metricsGoing concern
—