XYF

X Financial
$4.85
−$0.03 (−0.61%)Oct 28, 2026
8.8GreatMoatMint rating

MoatMint rates X Financial (XYF) 8.8 out of 10, a research rating of the company's quality, value, growth, momentum and financial health. Its quality rating is 8.2 out of 10.

Return+36.4%5YRange $1.36 - $17.59
$19.5$13.0$6.5$0.0Nov 21Sep 25Oct 26

Key metrics

The numbers that frame XYF today
Market cap
$179.13M
P/E (TTM)
2.2
P/B
0.16x
Net margin
10.1%
ROE
7.2%
Div yield
11.55%
Debt / equity
0.3
52wk Low
$2.96
52wk High
$11.51

XYF stock rating

How XYF scores on quality, value, growth, momentum and financial health
8.8out of 10
Great overallHealthy business, attractive priceMicrocap - low investability
Quality8.2
Growth8.0
Momentum4.3
Value9.9
Financial Health7.4

Growth

Revenue and earnings trend for XYF
RevenueNet income
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Cash flow & returns

Free cash flow and financial health
Free cash flowNet debt
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Insider trading

Recent insider buying and selling activity
PurchasesSales
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Frequently asked questions

Plain-English answers about XYF
Is X Financial a good buy?
Yes. X Financial has excellent quality, and it outweighs the weak momentum here. Growth looks excellent, which supports 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 $179.13M.
What is the P/E (TTM) ratio for XYF stock?
X Financial's P/E (TTM) ratio is 2.2, based on trailing earnings.
What is the 52-week high for XYF stock?
The 52-week high for X Financial is $11.51. The current close of $4.85 is 57.9% below that high.
What is the 52-week low for XYF stock?
The 52-week low for X Financial is $2.96. The current close of $4.85 is 64.1% above that low.
Does XYF stock pay dividends?
X Financial pays a dividend. The latest dividend per share in the company data is $0.56, which implies a yield of 11.55% based on the current close.
What is the Debt / Equity ratio for XYF?
X Financial's Debt / Equity ratio is 0.26.