X Financial
XYFFinancial ServicesNASDAQCredit Services
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Daily timeframeX Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. With a market capitalization of $200.9M, it sits in micro-cap territory. The company offers Xiaoying credit loans, which are online personal credit loan products comprising Xiaoying card loans and other unsecured loan products; and Xiaoying housing loans, a secured home equity loan product.
Market Cap
$200.9M
Beta
0.48
P/E (TTM)
2.47
P/E (Fwd)
14.70
EPS (TTM)
$2.20
EPS (Fwd)
$0.37
ROE
7.3%
ROA
14.2%
Cash
$1.13B
Total Debt
$425.1M
Free CF
—
52W Change
-59.7%
Annual Financials
Cash vs Debt
Where XYF stands vs its 150-day and 200-day moving averages
As of the September 3, 2026 close, XYF finished 15.69% above its 150-day moving average ($4.78) and 6.55% above its 200-day moving average ($5.19). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is XYF overbought or oversold?
At the September 3, 2026 close, XYF's RSI(14) was 49.0, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
With $1.13B in cash and $425.1M in debt, XYF maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. ROE of 7.3% points to modest capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. Return on assets of 14.2% further supports the picture of efficient asset utilization. Revenue has grown from $3.56B (2022) to $7.64B (2025), reflecting a 114% increase over the period.
XYF's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence X Financial's trajectory.