NYSE · XYF
X Financial
Financial Services · Financial - Credit Services
$4.82▼ 0.82% ($0.04)at close
As of 4:00 PM ET
Market cap
$31.14M
P/E
0.36
EPS (TTM)
$13.34
Next earnings
Nov 25, 2026
Valuation
P/E Valuation
Verdict: cheap. Price below all scenarios.
Estimated value / share · Base
$160.05
+3221%The valuation uses a sector multiple because company history is limited.
Price vs. estimate range
Assumption scenarios, not confidence intervals
Bear $136.04, Base $160.05; price used $4.82
Bear $136.04, Base $160.05; price used $4.82
- P/E multiple
- 12.0×
- Earnings basis
- Trailing EPS
USD · Trailing earnings · Price Oct 23, 8:00 PM UTC
Price vs Fundamentals
Why The Stock Is Moving
What changed
The stock fell 61.96% over the last year. Income declined 17.06% over the trailing twelve months. Operating margin moved from 51.33% to 20.22%. The price is in USD and the financials are reported in CNY, so a currency move can look like a change in valuation.
What the market seems to be pricing
The market appears to be responding to weaker operating momentum rather than only rerating the stock.
What would invalidate this read
Operating margin stands at 20.22%. Income declined 17.06% — this read reverses if that trend stabilizes. If margins stabilize while the stock stays depressed, the gap shifts from fundamental damage toward pure multiple compression.
Return analysis
Company profile
Operating in the People's Republic of China, X Financial delivers personal financial solutions, primarily functioning as an online platform that connects individuals seeking funds with potential investors.
Market multiples
Stock splits
Every 3 shares became 1
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Analyst consensus
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Actuals vs estimates by quarter, or any quarter against the same one a year earlier.
Next report
Nov 25, 2026
Q3 FY26 · EPS est $0.30 · Revenue est $163.5M
Same quarter, year over year
FY26 YTD -71.7%Each cell vs the same quarter a year earlier (the cell below) · Q1–Q2 combined $0.95 vs $3.36 · 0 of 2 quarters up
Q1
Q2
Q3
Q4
FY total
FY26
—
—
FY25
—
—
FY24
FY23
—
—
—
Fiscal year totals
- FY24
- $4.37
- —
Q2 FY26
Reported Aug 24, 2026 · Latest
HoverTap a cell to inspect
Actual
$0.65
Estimate
$0.29
Year over year
-65.4%
Vs prior quarter
+116.7%
Institutional Sentiment
X Financial · XYF
From Form 13F filings (managers with $100M+). Filings land up to 45 days after quarter end — read this as positioning context, not live fund flow.