XYF

X Financial
$4.98
+$0.19 (+3.97%)Jul 27, 2026
5.1NeutralMoatMint rating

MoatMint rates X Financial (XYF) 5.1 out of 10, a research rating of the company's quality, value, growth, momentum and financial health. Its quality rating is 8.1 out of 10.

Key metrics

The numbers that frame XYF today
Market cap
$195.04M
P/E (TTM)
1.3
P/B
0.17x
Net margin
15.2%
ROE
13.4%
Div yield
16.27%
Debt / equity
0.4
52wk Low
$3.12
52wk High
$15.17

XYF stock rating

How XYF scores on quality, value, growth, momentum and financial health
5.1out of 10
Neutral overallNeutral business, attractive priceTop 49% of ~5,000 US stocks
QualityGreat8.1/10
GrowthPoor0.7/10
MomentumPoor1.8/10
ValueGreat10/10
Financial HealthNeutral5.1/10

Growth

Revenue and earnings trend for XYF
RevenueNet income
See the full growth breakdown

Revenue and earnings trends, margins and the multi-year trajectory - free with an account.

Create a free account
Free foreverNo card required
Already a member? Log in

Cash flow & returns

Free cash flow and financial health
Free cash flowNet debt
See the full cash-flow picture

Free cash flow detail, returns on capital and the balance-sheet trend - free with an account.

Create a free account
Free foreverNo card required
Already a member? Log in

Insider trading

Recent insider buying and selling activity
PurchasesSales
Unlock every insider trade

See who is buying and selling, how much, and when - updated as new filings land.

Create a free account
Free foreverNo card required
Already a member? Log in

Frequently asked questions

Plain-English answers about XYF
Is X Financial a good buy?
Hold. X Financial has excellent quality, but poor momentum makes the setup mixed. Growth looks poor. That could put pressure on the long-term business case. We think X Financial is selling at a low price.
What is the market capitalization of XYF?
X Financial's market capitalization is $195.04M.
What is the P/E ratio for XYF stock?
X Financial's current P/E ratio is 1.3.
What is the 52-week high for XYF stock?
The 52-week high for X Financial is $15.17. The current close of $4.98 is 67.2% below that high.
What is the 52-week low for XYF stock?
The 52-week low for X Financial is $3.12. The current close of $4.98 is 59.9% above that low.
Does XYF stock pay dividends?
X Financial pays a dividend. The latest dividend per share in the company data is $0.81, which implies a yield of 16.27% based on the current close.
What is the Debt / Equity ratio for XYF?
X Financial's Debt / Equity ratio is 0.36.