NYSE · XYF

X Financial American , each representing six

$4.98 +$0.19 (+3.97%) 1D Market open

Key Metrics

$184.49M
Market cap
P/E · TTM
Revenue · TTM
Net income
EPS · TTM
Dividend yield 12.0%
Free cash flow $206.73M
Beta · 1Y 1.06
EBITDA · TTM
Gross margin

The Story So Far

LAST 6 MONTHS PRIMARY SOURCES ONLY
  • Jul 16
    Money rotated out of high-beta cohorts market-wide.

    High-beta names lagged the blue-chips by 18.6 points over ten sessions around this date. Stocks in that cohort weren't falling alone — they fell together.

    RECEIPT: ROTATION GAUGE, LIVE
  • May 27
    The stock moved +10.2% in a single session.

    Sessions this size usually pair with a chapter above or below — a filing, a headline, or the whole cohort moving together.

    RECEIPT: DAILY BAR, May 27
  • Mar 26
    From its Feb 10 high, the share price fell 36%.

    Peak close $5.37 on Feb 10; trough close $3.41 on Mar 26. The drawdown is the fact — the chapters around it are the context.

    RECEIPT: PRICE SERIES, PEAK-TO-TROUGH -36%
  • Mar 26
    The stock moved -26.2% in a single session.

    Sessions this size usually pair with a chapter above or below — a filing, a headline, or the whole cohort moving together.

    RECEIPT: DAILY BAR, Mar 26

The story updates itself as events post · The wolf reports; you decide

Snapshot

Market cap$184.49M
Enterprise value
Shares outstanding38.5M
52-wk range$3.30 – $16.40
Avg volume · 20D121.4K
Net cash
Book value / share$29.10
ExchangeNYSE
About X Financial American , each representing six
IPO dateSep 19, 2018
Employees643

X Financial is a Cayman Islands-based technology-driven personal finance company. Along with its subsidiaries, the firm provides diversified investment opportunities to investors in China through its wealth management platform, Xiaoying Wealth Management.

Wolf Grade COMING SOON

The wolf is in training. Composite grades vs sector — profitability, health, value, momentum — arrive with the percentile engine. Methodology will be public.

Valuation

P/E
P/S
P/FCF0.89
EV/EBITDA
EV/Sales
Graham №

Profitability

Gross
Operating
Net
FCF
ROE / ROIC — · —

Financial Health

Current ratio
Quick ratio
Debt / equity
Debt / EBITDA
Net cash
Working capital

Cash Flow · TTM

Operating CF $209.86M
Capex −$3.13M
Free cash flow $206.73M
Buybacks $104.96M
Dividends paid $22.13M
Shareholder yield 68.9%

Piotroski F-Score

4 / 9
Middling fundamentals · 4 of 9 signals passing

Altman Z-Score

Insufficient balance-sheet inputs

Graham Number vs Price

Requires positive earnings and book value
Fundamentals through 2025-12-31 · computed by TickerWolf from SEC filings