X Financial (XYF) Stock Price & Analysis
X Financial (XYF) — MoonshotScore 84/100 (Exceptional band), calculated Oct 26, 2026. Price $4.84 (+0.41%), as of the Oct 26, 2026 trading session; market cap $31.5M.
Educational signal · not a buy or sell recommendation · How to read this
X Financial · XYF · NYSE
X Financial operates as an online marketplace in China, connecting borrowers with investors to provide a range of personal finance services. The company offers various loan products, wealth management solutions, and loan facilitation services to a diverse client base across the People's Republic of China.
Price as of Oct 26, 2026
Key Statistics
MoonshotScore v2 · X Financial (XYF)
ExceptionalWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
Elite quality and elite growth, at a dirt-cheap price, though the balance sheet is only decent, and the price trend has turned against it. Business Quality: Elite; Financial Safety: Okay; Valuation: Cheap; Growth Durability: Compounding; Momentum: Falling.
- quarterly revenue $149M (Q2 FY2026, quarter ended Jun 30, 2026)
- EPS beat 8 of 8
- Altman Z 1.91 · Piotroski F 6
Holding back: weak price trend
Helping: business quality, an attractive price, durable growth
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 84 | Exceptional | |
| 84 | Exceptional | |
| 84 | Exceptional | |
| 84 | Exceptional | |
| 84 | Exceptional | |
| 84 | Exceptional |
The score was 84 in the stored Oct 24, 2026 snapshot and remains 84 in the current publication computed Oct 26, 2026 (0).
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value |
|---|---|
| Latest provided price | $4.84 |
| Change on the day | +0.41% |
| 52-week range | $3.30 – $13.16 |
| Market capitalisation | $31.5M |
| Price / earnings (trailing) | 0.36 |
| Shares traded on the day | 16K |
Price & events
Council Score · weighted blend of 2 available disciplines
Council score for X Financial (XYF): Bullish Lean
72/100 · ASome lenses disagree with the MoonshotScore. Compare their readings below; each uses a different method.
5-Factor Breakdown
Legends Council
3 lenses, 3 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Oct 26, 2026
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 10, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
One of these lenses reads this company less favourably than the MoonshotScore does: Klarman-style lens. Each lens is a separate scoring function over its own inputs, so a disagreement is a difference of method rather than a correction — the page's answer stays the MoonshotScore above.
On Sep 10, 2026, the Munger lens read the price at that time as fairly valued against its own estimate of value.
Readings on this page are from Oct 27, 2026, except a card that shows its own read date.
Watch the XYF film — every key number, told as a short cinematic story
~2 min · open the film
What is X Financial (XYF), and what does it report?
Short answer · as of
A current FMP business description is unavailable; the listing and provider classification below are the available identity facts. X Financial (XYF) is listed on NYSE. It employs 643 people and is led by Yue Tang. In Q2 FY2026 it reported revenue of $149M and net income of $7M. The market values it at $31.5M.
What do the latest results show for X Financial (XYF)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $149M. Against analyst estimates the company has EPS beat 8 of 8 reports.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $149M | $7M | $1.13 (diluted) |
| Q1 FY2026 | $176M | $6M | $0.86 (diluted) |
| Q4 FY2025 | $217M | $8M | $1.26 (diluted) |
| Q3 FY2025 | $294M | $63M | $9.08 (diluted) |
What are the financial strengths and risks for X Financial (XYF)?
Short answer
The MoonshotScore pillars rate business quality, an attractive price, durable growth as strengths. What is holding it back is weak price trend. The distress and quality screens read Altman Z 1.91 · Piotroski F 6. Trailing ratios: ROE 7.2% · ROA 4.6% · current ratio 10.65.
How does X Financial compare with its peers?
Short answer
X Financial's score ranks 2nd of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
| Company | Price | Market value | Score |
|---|---|---|---|
| $11.25 Oct 26, 2026 | $262M | 92 5-pillar Oct 26, 2026 | |
| X Financial (XYF) — this page | $4.84 | $31.5M | 84 |
| $26.26 Oct 26, 2026 | $312M | 81 5-pillar Oct 26, 2026 | |
| $32.54 Oct 26, 2026 | $300M | 77 5-pillar Oct 26, 2026 | |
| $9.37 Oct 26, 2026 | $423M | 77 5-pillar Oct 26, 2026 | |
| $0.64 Oct 26, 2026 | $109M | 45 5-pillar Oct 26, 2026 | |
| $3.04 Oct 26, 2026 | $564M | 41 5-pillar Oct 26, 2026 | |
| $1.66 Oct 26, 2026 | $47.0M | 40 5-pillar Oct 26, 2026 | |
| $1.92 Oct 26, 2026 | $312M | 39 5-pillar Oct 26, 2026 | |
| $24.83 Oct 26, 2026 | $330M | 39 5-pillar Oct 26, 2026 | |
| $25.24 Oct 26, 2026 | $271M | 38 5-pillar Oct 26, 2026 | |
| $6.37 Oct 26, 2026 | $271M | 37 5-pillar Oct 26, 2026 | |
| $0.57 Oct 26, 2026 | $58.5M | 32 5-pillar Oct 26, 2026 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Insider activity
Form 4 records via FMP · Of the newest 100 records, those within the last 180 days, newest dated Aug 1, 2026
- Transactions
- 3
- Identified insiders
- 2
- Purchases
- 0
- Sales
- 2
- Other transactions
- 1
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
What has been published about X Financial (XYF)?
What Investors Ask About X Financial (XYF)
These answers are editorial: 1 of these 9 answers is drawn from the XYF research dossier (written Jun 14, 2026 by gemini-2.5-flash); the other 8 are question templates that restate figures shown above. Figures in this section are not part of the source register.
What does the MoonshotScore mean for XYF?
XYF carries the MoonshotScore stated above — the Exceptional band. This is an educational research signal, not a buy or sell recommendation. The number comes from the five-pillar engine (business quality, financial safety, valuation, growth durability, momentum), re-ranked daily against sector peers.
Is XYF a good stock to buy?
Stock Expert AI does not rate XYF buy, sell or hold. X Financial carries a MoonshotScore, in the Exceptional band, a research rating against its peers rather than a forecast. Whether it fits is your call: check what it sells, whether it earns and what the price assumes. This is educational content, not investment advice.
What is the XYF stock price today?
The last price recorded on this page for X Financial (XYF) is $4.84, as of the Oct 26, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What does X Financial do?
X Financial operates as an online marketplace in the People's Republic of China, specializing in personal finance services. The company connects individual borrowers with investors, facilitating a range of financial products. Its core offerings include various loan types such as Xiaoying credit loans (including card loans), Xiaoying preferred loans for small business owners, and Xiaoying revolving loans.
What are the key factors to evaluate for XYF?
X Financial (XYF) holds a MoonshotScore in the high range. P/E: 0.36x. Not financial advice.
How frequently does XYF data refresh on this page?
XYF's price is the last quote we recorded, from the Oct 26, 2026 trading session. Pages are served from a cache, so the copy you are reading can lag that quote. The quote is a provider snapshot, not an exchange feed. Fundamentals follow quarterly filings. V2 is recalculated from the most recent completed US trading session; the score's own date shows its last successful run.
What has driven XYF's recent stock price performance?
X Financial (XYF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider XYF overvalued or undervalued right now?
X Financial (XYF) trades at 0.36x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research XYF before investing?
Before investing in X Financial (XYF), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Machine-generated analysis by Stock Expert AI — model gemini-2.5-flash, generated Jun 14, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (18 figures)
The 18 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
FMP — 10 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.last | Latest provided price | $4.84 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-26T16:08:59.000Z. | |
px.change | Change on the day | +0.41% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $31.5M | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-26. FMP quote timestamp: 2026-10-26T16:08:59.000Z. Captured from FMP at 2026-10-26T16:09:29.275Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | +$0.02 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $149M | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.pe | Price / earnings (trailing) | 0.36 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 16K | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_income | Net income, Q2 FY2026 | $7M | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
own.insiders | Insider transactions via FMP | 3 transactions · 0 purchases, 2 sales, 1 other transactions · 2 identified insiders · of the newest 100 records, those within the last 180 days, newest dated Aug 1, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. |
UNRECORDED — 6 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 8 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-10-16 · Expired observation | |
fin.scores | Distress and quality screens | Altman Z 1.91 · Piotroski F 6 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-25 · Expired observation | |
px.range52 | 52-week range | $3.30 – $13.16 | UNRECORDED | Stored company-profile observation — Captured 2026-10-26 | |
id.employees | Employees | 643 | UNRECORDED | Stored company-profile observation — Captured 2026-10-26 | |
id.ceo | Chief executive | Yue Tang | UNRECORDED | Stored company-profile observation — Captured 2026-10-26 | |
fin.ratios | Return and yield ratios (trailing twelve months) | ROE 7.2% · ROA 4.6% · current ratio 10.65 | — | UNRECORDED | Stored key metrics — Date unknown |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 84 of 100 · Exceptional · pillars 89 / 56 / 100 / 97 / 10 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 84 (stored snapshot Oct 24, 2026) → 84 (current publication computed Oct 26, 2026) (0) | OURS | Stock Expert AI current score publication and immutable score snapshots |
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Data provided for informational purposes only.