XYF · X Financial
Market Cap
$187.62M
Shares
36.93M
Volume · Oct 20
78.42K
Avg daily vol (3M)
60.55K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$4.87
Open$5.10
Day$4.80–5.10
52W close$3.41–12.88
Avg vol 30d59K
Short int87K · 0.2% float · 1.5d
Short vol54%
Last earningsAug 24, 2026
DataJan 2020–Oct 2026
Up next
Next earnings call
Nov 6, 2026
Est · unconfirmed
· in 2 wks
call held Aug 24, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$968.48M
Trailing 12 months
Net income (TTM)
$147.06M
Trailing 12 months
Revenue growth YoY
-39.3%
Year over year
Operating margin
17.4%
Trailing 12 months
P / E (TTM)
1.3
Trailing earnings · reciprocal yield 77.8%
FCF yield
—
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
—
Latest balance sheet
Dividend yield
11.0%
Trailing 12 months
Shares change YoY
-9.3%
Year over year · fewer shares
Price change (1Y)
-60.9%
Trailing year
Short interest
0.2%
Latest settlement · 1.5 days to cover
Equibles Rating
blended score · not investment adviceOverall
Sell
SellHoldBuy
Technical
Sell
Momentum
Very Weak
Sentiment
Bearish
Fundamentals
Excellent
Quant / Vol
Very High
Market backdrop
VIX 18.4 · elevated
Equity put/call 0.55
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−3%
below
Price vs 50-day avg
−7%
below
RSI (14)
43
neutral
MACD trend
Negative
52-week position
15%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−8%
trailing
6-month return
−1%
trailing
YTD return
−13%
this year
Relative strength
−10%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $5 › 200d $5 — 50d above 200d
Institutional flow
Distributing
-23% holders QoQ · +5 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
0.23% of float · ▲ +2.3% MoM · 1.5 days cover
Volume signal
Reversal watch
High volume on a down day — possible exhaustion
Institution breadth
Steady
23 holders — mid 3-yr range
Squeeze score
42
elevated · 0–100
Fundamentals
Revenue growth
+36%
Y/Y
EPS growth
+12%
Y/Y
Free cash flow
$206.7M
Quant / Vol
risk profile
Volatility
58%
annualized · 1-yr
Max drawdown
−74%
past year
ATR
4.8%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Sell
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−3%
Neutral
Price vs 50-day avg
−7%
Bearish
RSI (14)
43
Neutral
MACD trend
Negative
Bearish
52-week position
15%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross)
No cross
50d $5 › 200d $5 — 50d above 200d
Institutional flow
Distributing
-23% holders QoQ · +5 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
0.23% of float · ▲ +2.3% MoM · 1.5 days cover
Volume signal
Reversal watch
High volume on a down day — possible exhaustion
Institution breadth
Steady
23 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $3
Now $5 · 15%
Range high $13
vs 200-day avg -3%
vs 50-day avg -7%
Illustrative technical + ownership context — a signal mix, not investment advice.
Versus peers
Credit Services — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
XYF
this stock
X Financial
|
$187.62M | -13.0% | +35.8% | — | 0.2% |
|
V
Visa Inc.
|
$727.78B | +15.9% | -4.9% | — | 1.2% |
|
MA
Mastercard Inc
|
$539.97B | +8.7% | +16.4% | 33.9 | 0.7% |
|
AXP
American Express Co
|
$215.38B | -14.0% | +13.4% | 19.4 | 1.6% |
|
COF
Capital One Financial Corp
|
$123.65B | -16.8% | +36.6% | 12.1 | 1.5% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| XYF | -3.2% | -8.3% | -1.4% | -5.4% | -13.0% |
| SPY | -1.2% | -0.6% | +8.1% | +0.8% | +12.8% |
| vs SPY | -2.0% | -7.7% | -9.5% | -6.3% | -25.8% |
Capital returns
Latest dividend
$0.28
/ share · ex Sep 10, 2026
Paid (TTM)
$0.56
/ share · 2 payouts
Dividend yield (TTM, derived)
— · history filling in
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.