X Financial Class Stock Performance
| XYF Stock | USD 5.21 0.06 1.17% |
The firm maintains a market beta of 0.35, which attests to possible diversification benefits within a given portfolio. As returns on the market increase, X Financial's returns are expected to increase less than the market. However, during the bear market, the loss of holding X Financial is expected to be smaller as well. At this point, X Financial Class has a negative expected return of -1.34%. Please make sure to check out X Financial's value at risk, as well as the relationship between the daily balance of power and price action indicator , to decide if X Financial Class performance from the past will be repeated sooner or later.
Risk-Adjusted Performance
Weakest
Weak | Strong |
Over the last 90 days X Financial Class has generated negative risk-adjusted returns adding no value to investors with long positions. Despite weak performance in the last few months, the Stock's basic indicators remain nearly stable which may send shares a bit higher in March 2026. The current disturbance may also be a sign of long-run up-swing for the company stockholders. ...more
Actual Historical Performance (%)
One Day Return (1.15) | Five Day Return (14.02) | Year To Date Return (10.90) | Ten Year Return (85.66) | All Time Return (85.66) |
Forward Dividend Yield 0.1017 | Payout Ratio | Last Split Factor 1:3 | Forward Dividend Rate 0.53 | Dividend Date 2025-10-15 |
1 | X Financial to Report Third Quarter 2025 Financial Results on November 21, 2025 | 11/11/2025 |
2 | X Financial to Hold Annual General Meeting on December 18, 2025 | 11/18/2025 |
3 | X Financial Reports Q3 2025 Results Revenue 23.9 percent YoY, Sequential Decline Amid Rising Credit Costs and Moderating Borrower Activity | 11/20/2025 |
4 | ChartWatch ASX Scans Liontown Resources, Pilbara Minerals, Mineral Resources, Global X Battery Tech Lithium ETF - Market Index | 12/08/2025 |
5 | X Financial Stock Price Down 3.3 percent Should You Sell | 12/18/2025 |
6 | Motilal Oswal Financial Services Grants 4,37,063 Employee Stock Options Under ESOP Scheme-X - scanx.trade | 01/27/2026 |
| Begin Period Cash Flow | 1.9 B | |
| Total Cashflows From Investing Activities | 122 M |
X Financial Relative Risk vs. Return Landscape
If you would invest 1,260 in X Financial Class on November 2, 2025 and sell it today you would lose (739.00) from holding X Financial Class or give up 58.65% of portfolio value over 90 days. X Financial Class is generating negative expected returns assuming volatility of 3.9237% on return distribution over 90 days investment horizon. In other words, 35% of stocks are less volatile than XYF, and above 99% of all equities are expected to generate higher returns over the next 90 days. Expected Return |
| Risk |
X Financial Target Price Odds to finish over Current Price
The tendency of XYF Stock price to converge on an average value over time is a known aspect in finance that investors have used since the beginning of the stock market for forecasting. However, many studies suggest that some traded equity instruments are consistently mispriced before traders' demand and supply correct the spread. One possible conclusion to this anomaly is that these stocks have additional risk, for which investors demand compensation in the form of extra returns.
| Current Price | Horizon | Target Price | Odds to move above the current price in 90 days |
| 5.21 | 90 days | 5.21 | about 85.64 |
Based on a normal probability distribution, the odds of X Financial to move above the current price in 90 days from now is about 85.64 (This X Financial Class probability density function shows the probability of XYF Stock to fall within a particular range of prices over 90 days) .
Considering the 90-day investment horizon X Financial has a beta of 0.35. This entails as returns on the market go up, X Financial average returns are expected to increase less than the benchmark. However, during the bear market, the loss on holding X Financial Class will be expected to be much smaller as well. Additionally X Financial Class has a negative alpha, implying that the risk taken by holding this instrument is not justified. The company is significantly underperforming the Dow Jones Industrial. X Financial Price Density |
| Price |
Predictive Modules for X Financial
There are currently many different techniques concerning forecasting the market as a whole, as well as predicting future values of individual securities such as X Financial Class. Regardless of method or technology, however, to accurately forecast the stock market is more a matter of luck rather than a particular technique. Nevertheless, trying to predict the stock market accurately is still an essential part of the overall investment decision process. Using different forecasting techniques and comparing the results might improve your chances of accuracy even though unexpected events may often change the market sentiment and impact your forecasting results.Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of X Financial's price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
X Financial Risk Indicators
For the most part, the last 10-20 years have been a very volatile time for the stock market. X Financial is not an exception. The market had few large corrections towards the X Financial's value, including both sudden drops in prices as well as massive rallies. These swings have made and broken many portfolios. An investor can limit the violent swings in their portfolio by implementing a hedging strategy designed to limit downside losses. If you hold X Financial Class, one way to have your portfolio be protected is to always look up for changing volatility and market elasticity of X Financial within the framework of very fundamental risk indicators.α | Alpha over Dow Jones | -1.31 | |
β | Beta against Dow Jones | 0.35 | |
σ | Overall volatility | 2.64 | |
Ir | Information ratio | -0.34 |
X Financial Alerts and Suggestions
In today's market, stock alerts give investors the competitive edge they need to time the market and increase returns. Checking the ongoing alerts of X Financial for significant developments is a great way to find new opportunities for your next move. Suggestions and notifications for X Financial Class can help investors quickly react to important events or material changes in technical or fundamental conditions and significant headlines that can affect investment decisions.| X Financial Class generated a negative expected return over the last 90 days | |
| X Financial Class has high historical volatility and very poor performance | |
| About 66.0% of the company outstanding shares are owned by insiders | |
| Latest headline from news.google.com: Motilal Oswal Financial Services Grants 4,37,063 Employee Stock Options Under ESOP Scheme-X - scanx.trade |
X Financial Price Density Drivers
Market volatility will typically increase when nervous long traders begin to feel the short-sellers pressure to drive the market lower. The future price of XYF Stock often depends not only on the future outlook of the current and potential X Financial's investors but also on the ongoing dynamics between investors with different trading styles. Because the market risk indicators may have small false signals, it is better to identify suitable times to hedge a portfolio using different long/short signals. X Financial's indicators that are reflective of the short sentiment are summarized in the table below.
| Common Stock Shares Outstanding | 48.9 M | |
| Cash And Short Term Investments | 2.9 B |
X Financial Fundamentals Growth
XYF Stock prices reflect investors' perceptions of the future prospects and financial health of X Financial, and X Financial fundamentals are critical determinants of its market performance. Overall, investors pay close attention to revenue and earnings growth, profit margins, and debt levels. These fundamentals can have a significant impact on XYF Stock performance.
| Return On Equity | 0.24 | ||||
| Return On Asset | 0.25 | ||||
| Profit Margin | 0.23 % | ||||
| Operating Margin | 0.62 % | ||||
| Current Valuation | 942.68 M | ||||
| Shares Outstanding | 22.8 M | ||||
| Price To Earning | 1.18 X | ||||
| Price To Book | 0.18 X | ||||
| Price To Sales | 0.03 X | ||||
| Revenue | 5.87 B | ||||
| Gross Profit | 5.65 B | ||||
| EBITDA | 3.71 B | ||||
| Net Income | 1.54 B | ||||
| Cash And Equivalents | 584.76 M | ||||
| Cash Per Share | 12.19 X | ||||
| Total Debt | 341.23 M | ||||
| Debt To Equity | 0.03 % | ||||
| Current Ratio | 5.88 X | ||||
| Book Value Per Share | 28.65 X | ||||
| Cash Flow From Operations | 1.52 B | ||||
| Earnings Per Share | 5.81 X | ||||
| Market Capitalization | 210.55 M | ||||
| Total Asset | 11.82 B | ||||
| Retained Earnings | 4.17 B | ||||
About X Financial Performance
By analyzing X Financial's fundamental ratios, stakeholders can gain valuable insights into X Financial's financial health, operational efficiency, and overall profitability, helping them make informed investment and management decisions. For instance, if X Financial has a high ROA and ROE, it suggests that the company is efficiently using its assets and equity to generate substantial profits, making it an attractive investment. Conversely, if X Financial has a low ROA and ROE, it may indicate underlying issues in asset and equity management, signaling a need for operational improvements.
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.13 | 0.12 | |
| Return On Capital Employed | 0.15 | 0.16 | |
| Return On Assets | 0.13 | 0.12 | |
| Return On Equity | 0.20 | 0.21 |
Things to note about X Financial Class performance evaluation
Checking the ongoing alerts about X Financial for important developments is a great way to find new opportunities for your next move. Stock alerts and notifications screener for X Financial Class help investors to be notified of important events, changes in technical or fundamental conditions, and significant headlines that can affect investment decisions.| X Financial Class generated a negative expected return over the last 90 days | |
| X Financial Class has high historical volatility and very poor performance | |
| About 66.0% of the company outstanding shares are owned by insiders | |
| Latest headline from news.google.com: Motilal Oswal Financial Services Grants 4,37,063 Employee Stock Options Under ESOP Scheme-X - scanx.trade |
- Analyzing X Financial's financial statements, including its income statement, balance sheet, and cash flow statement, helps in understanding its overall financial health and growth potential.
- Getting a closer look at valuation ratios like price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and price-to-book (P/B) ratio help in understanding whether X Financial's stock is overvalued or undervalued compared to its peers.
- Examining X Financial's industry or sector and how it is performing can give you an idea of its growth potential and how it is positioned relative to its competitors.
- Evaluating X Financial's management team can have a significant impact on its success or failure. Reviewing the track record and experience of X Financial's management team can help you assess the Company's leadership.
- Pay attention to analyst opinions and ratings of X Financial's stock. These opinions can provide insight into X Financial's potential for growth and whether the stock is currently undervalued or overvalued.
Complementary Tools for XYF Stock analysis
When running X Financial's price analysis, check to measure X Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy X Financial is operating at the current time. Most of X Financial's value examination focuses on studying past and present price action to predict the probability of X Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move X Financial's price. Additionally, you may evaluate how the addition of X Financial to your portfolios can decrease your overall portfolio volatility.
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