Stock Ratings / Financials / XYF / earnings

MFIN (61) SVIA (51) USDE (54) RWAY (54) ⌘ Pro Terminal →

X Financial each representing six (Class A) (XYF) Next Earnings Date & Expected ±7.6% Move

$4.76 -2.66% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $4.73

X Financial each representing six (Class A) (XYF) carries a Roarable Rating of D+ (Sell) with 55/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 55/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.5% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $267.9M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on XYF Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is XYF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, X Financial each representing six (Class A) (NYSE: XYF) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 55/100 at a spot price of $4.76 (-2.66% 1D, market cap $267.9M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 8/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, XYF ranks #568 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does XYF compare to MFIN and SVIA in the Financials sector?

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Within the Financials sector (Finance: Consumer Services), XYF carries a Roarable D+ (55/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 18.8%. By comparison, MFIN (Medallion Financial Corp.) holds a C- grade (61/100 RQD, P/E 6.2x, ROIC 10.5%, cap $268.2M) and SVIA (Silvia Inc.) posts a D grade (51/100 RQD, P/E N/A, ROIC —, cap $267.3M). Among the 5-stock peer group, MFIN leads on earnings multiple (6.2x) while XYF leads on capital efficiency (18.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for XYF?

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Per XYF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001725033), X Financial each representing six (Class A) generated $1.09B in revenue (+35.8% YoY), $209.4M in net income, and $206.7M in free cash flow against $2.10B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $4.73 (-0.67%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 18.9% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 55/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.5% avg 90D alpha vs SPY • 51.4% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-1.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for XYF)Realized 20D OHLCV Swing Band: ±7.6%

Deterministic 5-Pillar Attribution (55/100 Composite)

🔍 WHY XYF SCORES 55/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+15/20 pts (27% of score)

SEC XBRL FY 2025 (10-K): 18.9% FCF Margin ($206.7M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (24% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning6/20 pts (-14 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$5.06+0.8% Next Q

Q2 (-2Q)

Grade C$5.10-5.5% Next Q

Q3 (-1Q)

Grade C$4.82-1.2% Next Q

Current

Grade D+$4.76-0.5% Hist 90D α

Trajectory: C+ (63) → D+ (55)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the XYF Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 55/100 (D+) score, XYF faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.52% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($5.14) or 200D SMA ($4.97) invalidates the momentum regime and cuts Target Base ($4.70) toward Bear Floor ($3.67).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $XYF• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “XYF Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 55%NO 45%Trade / Inspect Odds →

NEXT EST. WINDOW: Dec 30, 2026 (~57 DAYS)

Historical OHLCV Volatility ±7.6% Swing Band

±$0.36 Expected Swing

MODEL EARNINGS SETUP GAUGE

XYF Quantitative Pre-Earnings Setup: 55/100

Trailing EPS: $4.25 • YoY Revenue Growth: 35.8%

Model Bullish Setup (55/100)Model Risk Weight (45/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$1.09B	$209.4M	$206.7M	52%
FY 2024	2024-12-31	$804.4M	$211.0M	$206.8M	52%
FY 2023	2023-12-31	$678.2M	$167.2M	$114.7M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring XYF)

✓Walkthrough of XYF's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

XYF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -4.80%🛡️ HOLDING TREND SUPPORT

2026-11-02O $4.85H $4.89L $4.76C $4.76VOL 20.2K

RES: $6.16SUP: $4.75SMA50: $5.14SMA200: $4.97

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

XYF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 XYF Butterfly Map → + Track XYF →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +35.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on XYF today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for XYF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for XYF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (XYF)

Financials Rank #568 of 1096 ⚔️ MFIN vs XYF Full Matrix →

1. Head-to-Head Financials Peer Comparison (XYF vs. MFIN, SVIA, USDE, RWAY)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, X Financial each representing six (Class A) (XYF) ranks #568 by composite RQD confidence (55/100, grade D+) and #838 by equity capitalization ($267.9M). Within this direct 5-issuer industry benchmark cohort, MFIN leads on earnings valuation at 6.2x trailing P/E, while XYF leads on capital efficiency and profitability with 18.8% ROIC and — gross margin. MFIN currently holds the highest overall quantitative score in the immediate peer group at 61/100 (C-) compared with XYF at 55/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
XYF ACTIVE X Financial each representing six (Class A)	D+	55/100	—	—	18.8%	-2.66%	$267.9M	Benchmark Subject
MFIN Medallion Financial Corp.	C-	61/100	6.2x	—	10.5%	-13.53%	$268.2M	/mfin-vs-xyf →
SVIA Silvia Inc.	D	51/100	—	—	—	-10.91%	$267.3M	/svia-vs-xyf →
USDE StablecoinX Inc. (Class A)	D+	54/100	—	—	—	-14.68%	$268.6M	/usde-vs-xyf →
RWAY Runway Growth Finance Corp.	D+	54/100	8.1x	—	7.0%	-1.21%	$276.6M	/rway-vs-xyf →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001725033

In its most recent audited fiscal period (FY2025, filed 2025-12-31), X Financial each representing six (Class A) (XYF) reported GAAP revenue of $1.09B (+35.8% vs. FY2024 revenue of $804.4M , and +61.1% cumulative change since FY2023) , GAAP net income of $209.4M, operating cash flow of $209.9M, and free cash flow of $206.7M (-0.0% YoY). On the balance sheet, XYF closed FY2025 with $2.10B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$1.09B	$209.4M	$209.9M	$206.7M	$2.10B	—
FY2024 (FY)	2024-12-31	$804.4M	$211.0M	$208.7M	$206.8M	$1.62B	—
FY2023 (FY)	2023-12-31	$678.2M	$167.2M	$114.7M	$114.7M	—	—

3. XYF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is XYF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does XYF compare to MFIN and SVIA in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for XYF?

Where is XYF trading relative to its 50-day, 200-day, and 52-week technical levels?

XYF last traded at $4.76 (-2.66% on volume of 38,166 shares), positioning the stock -7.39% below its 50-day simple moving average ($5.14) and -4.23% below its 200-day simple moving average ($4.97). Across its 52-week range of $3.30 to $12.85, XYF sits at the 15.3% percentile with a 14-day RSI of 46.7 (NEUTRAL RANGE) and an implied next-earnings move of ±7.6% ($4.40 to $5.12).

XYF Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is XYF's next earnings date?

Based on SEC filing cadence, X Financial each representing six (Class A) (XYF)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is XYF stock expected to move on earnings?

Volatility modeling currently projects a ±7.6% event move for XYF, spanning a range between $4.4 and $5.12.

Direct Sub-Reports: XYF RQD Cockpit XYF 12M Forecast XYF Earnings & Move XYF Dividends & DRIP XYF Insiders & 13F XYF Whale Options XYF Profit Sankey XYF News & Why

ROARABLE RATING BRIEF • RQD 55/100 (D+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

XYF — X Financial each representing six (Class A): What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:39:35Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, XYF scores 55 out of 100 (letter grade D+), with the verdict "Roarable Sell — Weak Fundamentals / Trim." The five pillars are: Fundamental Cash Engine 15/20 (ROIC 18.8%; FCF yield 0%); Whale 13F Flow 6/20 (institutional accumulation and options positioning); Insider Conviction 13/20 (SEC Form 4 and Congressional PTR cluster flow); Macro Regime Fit 8/20 (Beta 1.0; sector sensitivity); and Forensic Balance Sheet 13/20 (Altman Z 2.5; Piotroski F 5/9; Debt/Equity 0.5). For a prospective investor, the upside case rests mainly on the ROIC figure and the balance sheet pillar, while the weakest pillars (13F flow and macro fit) indicate limited institutional support and only moderate sensitivity to the broader market. The FCF yield of 0% per the RQD rating and market data means the cash-generation pillar does not translate into a current cash return on the price paid, so valuation rests on dividend yield and earnings quality rather than free-cash-flow yield. The verdict indicates the rating model views fundamentals as weak on a composite basis, so the rating points toward caution rather than accumulation.

Financial Trend

Period	Revenue	Operating Income	Net Income	EPS	FCF	Cash	Debt
FY 2025	$1092.4M	$233.1M	$209.4M	N/A	$206.7M	$141.2M	N/A
FY 2024	$804.4M	$256.7M	$211.0M	N/A	$206.8M	$134.9M	N/A
FY 2023	$678.2M	$202.5M	$167.2M	N/A	$114.7M	N/A	N/A

Per the market data, operating margin is 21.3% and net margin is 19.2%, with ROIC of 18.8%. Per the RQD rating, the Altman Z-Score is 2.5 and the Piotroski F-Score is 5/9, with Debt/Equity of 0.5. Revenue grew from $678.2M (FY 2023) to $1092.4M (FY 2025) per the SEC financials, while net income moved from $167.2M to $209.4M over the same period, with a dip to $211.0M in FY 2024 and a slight decline in operating income from FY 2024 to FY 2025. Debt figures are not available in source data, so the balance-sheet posture is assessed only through the RQD forensic metrics cited above.

Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples

Per the Butterfly Supply-Chain Graph, the supply chain is listed as NONE, with no butterfly links and no proprietary signals. Not available in source data for upstream or downstream dependencies, sector correlations, or second-order bottlenecks beyond the sector and industry classification.

Open Questions

What are the company's total debt and EPS figures, which are reported as N/A in the SEC financials?
What explains the 0% gross margin and FCF yield alongside a positive 18.8% ROIC?
What drives the 52-week price range of $3.3 to $12.85, and what catalysts have occurred in that window?
Who are the institutional holders and insiders behind the 13F and Form 4 flow pillars?
What is the business model and customer base behind the reported revenue?

XYF Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for X Financial each representing six (Class A) (XYF) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to XYF Debate Forum (3) ↓

🔴 RISK WATCH Yahoo Finance • 67d ago

X Financial (XYF) Saw its Active-Borrower Count Fall 74.8% Year Over Year. Can Better Credit Metrics Stabilize the Business?

X Financial (NYSE:XYF) reported a dramatically smaller lending platform on August 24. Second-quarter net revenue fell 56.3% year over year and 15.5% sequentially to RMB 993.6 million. The active-borrower count declined 7

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 70d ago

X Financial (XYF) Q2 2026 Earnings Call Transcript

Delinquency rates improved, but elevated 91-180 day rates persist.

Read Full Source ↗

🔴 RISK WATCH Yahoo Finance • 70d ago

X Financial (XYF) (Q2 2026) Earnings Call Highlights: Revenue Declines 56% Amid Strategic ...

X Financial (XYF) reports improved operating margins and sequential credit gains, yet faces a 70% drop in loan origination volume and a widening valuation gap.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 70d ago

X Financial Q2 Earnings Call Highlights

X Financial (NYSE:XYF) reported lower second-quarter revenue and loan origination volumes as it maintained a conservative operating approach focused on credit quality, liquidity and balance-sheet strength. Management sai

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🟡 MARKET WIRE Yahoo Finance • 76d ago

X Financial to Report Second Quarter 2026 Financial Results on August 24, 2026

X Financial (NYSE: XYF) (the "Company"), a leading online personal finance company in China, today announced that it will release its unaudited financial results for the second quarter ended June 30, 2026, before the ope

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🟡 MARKET WIRE Yahoo Finance • 154d ago

X Financial (XYF) Q1 2026 Earnings Transcript

Kan Li: Thank you, Victoria, and hello, everyone. In the first quarter of 2026, we continue to operate with a high degree of discipline as the operating environment remained challenging. Carrying forward the more conserv

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🟡 MARKET WIRE Yahoo Finance • 165d ago

X Financial to Report First Quarter 2026 Financial Results on May 28, 2026

X Financial (NYSE: XYF) (the "Company"), a leading online personal finance company in China, today announced that it will release its unaudited financial results for the first quarter ended March 31, 2026, before the ope

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 186d ago

X Financial Files Annual Report on Form 20-F for Fiscal Year 2025

X Financial (NYSE: XYF) (the "Company" or "we"), a leading online personal finance company in China, today announced it filed its annual report on Form 20-F for the fiscal year ended December 31, 2025 with the Securities

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🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

XYF Bull vs. Bear Conversation Board — What's Your Call at $4.76?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON XYF 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $5.28 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is XYF (D+ • RQD 55/100) a Buy at $4.89?

Welcome to the XYF (X Financial each representing six (Class A)) Roar Pit. Current RQD Composite is 55/100 (Roarable Sell — Weak Fundamentals / Trim) in Finance: Consumer Services. Bulls point to capital efficiency (18.8% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

SH ShortSeller_Dan Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $3.77 (-22.9%)

Spot @ $4.89

Pump the brakes on XYF — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on XYF, but look at what you are paying: current EV/EBITDA multiples with tightening sector spreads. Unless X Financial each representing six (Class A) expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

DE DeltaGamma_99 Verified K Arena Trader 🐂 BULLISH 🎯 Target: $5.92 (+21.1%)

Spot @ $4.89

XYF cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on XYF, the market is fixating on short-term headline noise in Finance: Consumer Services and ignoring the balance sheet and cash flow trajectory. At $4.89 (52-wk range $3.30 - $12.85), any beat on forward guidance forces shorts and underweight funds to chase.