Financial Services
Live Price
Offline$4.81
+2.34% today
1Y Change
-71.66%
Window
Jun 23, 2025 → Jun 18, 2026
Coverage: 249 bars · Jun 23, 2025 → Jun 18, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
X Financial (XYF) is a Financial Services stock with a market cap of $230.00M and listed on NYSE. The stock last traded around $4.81 and down 71.7% across the available one-year price window (Jun 23, 2025 → Jun 18, 2026). Baseline metrics include revenue growth of +26.6%, EPS growth of +9.5%, a dividend yield of 11.0%. What stands out right now is revenue +26.6%, EPS +9.5%, free cash flow 0.0% with operating margin 24.2% and ROIC 9.1%. The dividend matters to the case here, with a current yield around 11.0%. Valuation is more restrained than many high-expectation growth names at P/E 0.2 and price/sales 0.0. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines XYF price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
XYF
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
XYF Max Drawdown
-82.99%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for XYF and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$1.5B
-34.9% YoY
FY Net Income
$825.4M
+1.7% YoY
Free Cash Flow
-$684.6M
-253.3% YoY
Revenue Growth
+26.6%
EPS Growth
+9.5%
Gross Margin
54.5%
Net Margin
22.1%
Income statement
CNY
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 7.4B | 5.9B | 3.3B | 2.3B | 1.5B |
| Gross Profit | 5.5B | 3.9B | 1.6B | 1.3B | 1.4B |
| Operating Income | 1.6B | 1.9B | 1.5B | 1.2B | 1.2B |
| EBITDA | 1.7B | 3.7B | 1.5B | 1.2B | 1.2B |
| Net Income | 1.4B | 1.5B | 1.2B | 812M | 825M |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
CNY
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 2.1B | 2.9B | 2.9B | 2.4B | 2.1B |
| Total Assets | 14.7B | 11.8B | 11.7B | 8.8B | 7.3B |
| Total Liabilities | 6.8B | 4.9B | 5.8B | 4.1B | 3.4B |
| Shareholder Equity | 7.8B | 7.0B | 5.8B | 4.8B | 4.0B |
| Total Debt | 410M | 341M | 578M | 82M | 179M |
| Net Debt | -1.7B | -2.6B | -2.3B | -2.3B | -1.9B |
Cash flow positioning
Latest Full Year
Operating Cash Flow
679M
-251.2% YoY
Capital Expenditures
5M
-104.8% YoY
Free Cash Flow
685M
-253.3% YoY
Key ratios
Gross Margin
54.5%
Operating Margin
24.2%
Net Margin
22.1%
ROE
18.9%
Debt / Equity
0.05x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.