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XYF · X Financial

Track XYF — free
$5.39 +0.13 (+2.47%) At close · Aug 27
Market Cap
$202.60M
Shares
38.52M

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$5.26 Open$5.37 Day$5.04–5.37 52W close$3.41–15.75 Avg vol 30d49K Short int121K · 0.3% float · 2.6d Short vol65% Last earningsAug 24, 2026 DataNov 2020–Aug 2026

Raw chart and full-history price indicators begin at the captured split on Nov 19, 2020; bars on opposite sides are not compared.

Up next

Next earnings call
Nov 6, 2026 Est · unconfirmed · in 10 wks
FQ3-26 quarter ends
~Sep 30, 2026 Est

Equibles Rating

blended score · not investment advice
Overall
Neutral
SellHoldBuy
Technical Neutral Momentum Neutral Sentiment Neutral Fundamentals Excellent Quant / Vol Very High
Market backdrop VIX 14.5 · calm Equity put/call 0.39
Technical
price trend
Neutral
50 / 200-day cross No cross
Price vs 200-day avg −5%
below
Price vs 50-day avg +5%
above
RSI (14) 51
neutral
MACD trend Negative
52-week position 15%
near low
Volume (OBV) Confirms
volume backs price
Momentum
relative strength
Neutral
1-month return +5%
trailing
6-month return +9%
trailing
YTD return −6%
this year
Relative strength −4%
vs S&P · 6-mo
Sentiment
smart money
Neutral
Trend (MA cross) No cross
50d $5 › 200d $6 — 200d above 50d
Institutional flow Distributing
-23% holders QoQ · +5 funds added
Insider flow Distributing
Net -$942.3K over 90 days · 100% sells
Short interest Falling
0.32% of float · ▼ -14.2% MoM · 2.6 days cover
Volume signal Normal
Volume near normal
Institution breadth Steady
23 holders — mid 3-yr range
Squeeze score 47
elevated · 0–100
Fundamentals
Excellent
Revenue growth +36%
Y/Y
EPS growth +12%
Y/Y
Free cash flow $206.7M
Balance sheet $82.7M
net cash
Quant / Vol
risk profile
Very High
Volatility 58%
annualized · 1-yr
Max drawdown −78%
past year
ATR 5.1%
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.

Guidance & track record

Prior guidance period ended · from the Earnings Call filed Dec 31, 2024
Total loan volumes · full year of 2025 up to 30%

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Neutral
2 · 4 · 1
50 / 200-day cross
No cross Neutral
Price vs 200-day avg
−5% Neutral
Price vs 50-day avg
+5% Bullish
RSI (14)
51 Neutral
MACD trend
Negative Bearish
52-week position
15% Bearish
Volume (OBV)
Confirms Neutral
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross) No cross
50d $5 › 200d $6 — 200d above 50d
Institutional flow Distributing
-23% holders QoQ · +5 funds added
Insider flow Distributing
Net -$942.3K over 90 days · 100% sells
Short interest Falling
0.32% of float · ▼ -14.2% MoM · 2.6 days cover
Volume signal Normal
Volume near normal
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 $16
vs 200-day avg -5% vs 50-day avg +5%

Illustrative technical + ownership context — a signal mix, not investment advice.

Versus peers

Credit Services — same industry group
Open screener →
Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
XYF
X Financial
this stock
$202.60M -6.1% +35.8% 0.3%
V
Visa Inc.
$685.04B +9.5% -4.9% 1.2%
MA
Mastercard Inc
$522.63B +4.8% +16.4% 32.8 0.8%
AXP
American Express Co
$227.01B -9.7% +13.4% 20.4 1.6%
COF
Capital One Financial Corp
$134.81B -10.6% +36.6% 1.7%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section
Ownership
Institutional Holders Reducing
Holders
23
% held
2.2%
Net QoQ
-411.1K sh
Top holder
TWO SIGMA INVESTMENTS, LP
Held Float
View
Held by Funds
Fund positions
6
View
Short & Settlement
Short Interest Falling
Shares short
121.4K
Days to cover
2.6d
Change
-20.1K sh
View
Short Volume
Short vol %
65%
As of
Aug 27, 2026
Short Total
View
Fails to Deliver
FTD shares
633
Value
$3.1K
As of
Jul 7, 2026
View
Off-Exchange
Off-exchange %
26.3%
Week of
Jul 20, 2026
Off-exch Lit
View
Smart Money
Insider Trades Net selling
Net (90d)
-$942.3K
Buyers / Sellers
0 / 1
Buyers Sellers
View
Financials
Financials
Revenue (FY)
CNY 7.6B
Net income (FY)
CNY 1.5B
EPS diluted
CNY 5.87
View
Filings
SEC Filings
Latest
6-K
Filed
Aug 24, 2026
This year
5
View
Proposed Sales
Value
$151.5K
Shares
30.0K
Filed
Jun 12, 2026
View
Earnings & Events
Earnings Calls
Last call
Aug 24, 2026
View

Performance

Raw-price comparisons begin at the captured split on Nov 19, 2020; windows that need an earlier baseline remain unavailable.

5D 20D 120D MTD YTD
XYF -4.0% +5.0% +8.7% +6.5% -6.1%
SPY -0.4% +5.0% +12.4% +2.6% +12.3%
vs SPY -3.6% 0.0% -3.8% +3.9% -18.4%

Capital returns

Latest dividend
$0.28 / share · ex Apr 30, 2026
Declared · upcoming
$0.28 / share · ex Sep 10, 2026
Raised 12%
Paid (TTM)
$0.28 / share · 1 payout
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.

Key facts CIK 1725033 CUSIP 98372W202 13F (30d) 20 filings 20 filers Visit website Investor relations