X Financial each representing six (Class A) (XYF) carries a Roarable Rating of D+ (Sell) with 53/100 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.
As of 2026-11-03, 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 53/100 at a spot price of $4.76 (-2.66% 1D, market cap $260.8M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 4/20, 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 #577 in composite RQD confidence.
Within the Financials sector (Finance: Consumer Services), XYF carries a Roarable D+ (53/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 18.8%. By comparison, SNFCA (Security National Financial Corporation (Class A)) holds a C- grade (60/100 RQD, P/E N/A, ROIC 85.0%, cap $250.5M) and HRZN (Horizon Technology Finance Corporation) posts a D grade (48/100 RQD, P/E N/A, ROIC -0.8%, cap $272.8M). Among the 5-stock peer group, RWAY leads on earnings multiple (8.1x) while SNFCA leads on capital efficiency (85.0% ROIC).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC XBRL FY 2025 (10-K): 18.9% FCF Margin ($206.7M FCF) & 52% Gross Margin
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9
Put hedging (50% put share) caps near-term gamma upside (-16 pts vs max)
While XYF currently carries a cautious 53/100 (D+) rating due to Whale & Options Positioning (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($5.12) and Max Pain ($5.00) forces dealer call-delta covering toward $13.49.
Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.52% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
X Financial each representing six (Class A) (XYF) dropped -2.66% to $4.76, trading at 15% of its 52-week range ($3.3 – $12.85). Stretched risk/reward at current multiples (19% return on capital) under elevated 10-year interest-rate pressure.
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
Delinquency rates improved, but elevated 91-180 day rates persist.
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.
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
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
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
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
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
X Financial (XYF) focuses on operational efficiency and risk management amid declining revenues and regulatory uncertainties.
Kan Li: Thank you, Victoria, and hello, everyone. In the fourth quarter of 2025, we continue to operate with heightened discipline as the external environment became more demanding. During the quarter, we facilitated and
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +35.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on XYF today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for XYF. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, X Financial each representing six (Class A) (XYF) ranks #577 by composite RQD confidence (53/100, grade D+) and #840 by equity capitalization ($260.8M). Within this direct 5-issuer industry benchmark cohort, RWAY leads on earnings valuation at 8.1x trailing P/E, while SNFCA leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. SNFCA currently holds the highest overall quantitative score in the immediate peer group at 60/100 (C-) compared with XYF at 53/100 (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+ | 53/100 | — | — | 18.8% | -2.66% | $260.8M | Benchmark Subject |
| SNFCA Security National Financial Corporation (Class A) | C- | 60/100 | — | — | 85.0% | -0.87% | $250.5M | /snfca-vs-xyf → |
| HRZN Horizon Technology Finance Corporation | D | 48/100 | — | — | -0.8% | -1.45% | $272.8M | /hrzn-vs-xyf → |
| RWAY Runway Growth Finance Corp. | D+ | 52/100 | 8.1x | — | 7.0% | -1.21% | $273.3M | /rway-vs-xyf → |
| HTT High Templar Tech Limited each representing one Class A ordinary share | D- | 35/100 | — | — | -5.2% | -1.10% | $279.5M | /htt-vs-xyf → |
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 | — | — |
As of 2026-11-03, 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 53/100 at a spot price of $4.76 (-2.66% 1D, market cap $260.8M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 4/20, 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 #577 in composite RQD confidence.
Within the Financials sector (Finance: Consumer Services), XYF carries a Roarable D+ (53/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 18.8%. By comparison, SNFCA (Security National Financial Corporation (Class A)) holds a C- grade (60/100 RQD, P/E N/A, ROIC 85.0%, cap $250.5M) and HRZN (Horizon Technology Finance Corporation) posts a D grade (48/100 RQD, P/E N/A, ROIC -0.8%, cap $272.8M). Among the 5-stock peer group, RWAY leads on earnings multiple (8.1x) while SNFCA leads on capital efficiency (85.0% ROIC).
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.
XYF last traded at $4.76 (-2.66% on volume of 38,166 shares), positioning the stock -7.03% below its 50-day simple moving average ($5.12) and -4.03% below its 200-day simple moving average ($4.96). Across its 52-week range of $3.30 to $12.85, XYF sits at the 15.3% percentile with a 14-day RSI of 42.3 (NEUTRAL RANGE) and an implied next-earnings move of ±7.6% ($4.40 to $5.12).
Why XYF Stock dropped -2.66% Today — RQD Quant Desk Flash. Stretched risk/reward at current multiples (19% return on capital) under elevated 10-year interest-rate pressure.
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.
| 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.
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.
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
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
Delinquency rates improved, but elevated 91-180 day rates persist.
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.
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
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
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
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
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
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.
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.
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.
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