Handelsavisen
prelaunch
XY
XYF NYSE Unclassified

X Financial

$4,94
Open in Charts → Attach watcher ⌖
USD
Set alert
LatestNigeria's Aradel and Seplat lead oil cash generation, but leverage clouds balance sheets
Last 30 days
1D5D1M3M6MYTD1Y5YMax
Live price chart loads from the market-data widget.
Mcap
P/E
EV / Rev
Div yield
Op margin
ROE
Net margin
Debt / equity
Beta
52w range
Volume
2
Day range
Prev close
$5,01
Open
Next earnings
2026-07-28
Ex-dividend
TR 1Y
About

X Financial operates on the NYSE with a market price of $4.71. The company's primary business activities and revenue generation methods are not clearly defined in the available data.

Business. X Financial operates on the NYSE with a market price of $4.71. The company's primary business activities and revenue generation methods are not clearly defined in the available data.

Classification20 %
SectorUnclassified
Generated · model-assisted
Sell-side consensus
consensus pending
— buy— hold— sell
Avg 12m price target
Upcoming events
  • EarningsQ2 2026 earnings (expected)2026-07-28 · estimated
See all catalysts →

At a glance

Score
24
composite score
Valuation
valuation pending
Analysts
not yet wired
Ownership
not yet wired
Profitability
not yet wired
Quality
58
quality score (0-100)

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

3
  • ENERGYNigeria's Aradel and Seplat lead oil cash generation, but leverage clouds balance sheets2026-06-30
  • MARKETSFairfax deploys $1 billion into Indian sovereign debt as tax exemption unlocks yields2026-06-23
  • MARKETSFairfax deploys nearly $1 billion into Indian government bonds ahead of potential IDBI deal2026-06-23
  • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,0 %+0,9 %+2,3 %
    Energy+1,3 %+5,3 %+1,6 %
    Health Care+0,7 %−0,6 %+1,0 %
    Consumer Discretionary+0,4 %+5,9 %+0,7 %
    Information Technology · THIS SECTOR−0,2 %+4,7 %+0,1 %
    Financials−0,3 %−4,0 %+0,0 %
    Real Estate−0,7 %+10,9 %−0,4 %
    Consumer Staples−0,8 %+3,7 %−0,5 %
    Utilities−1,5 %−21,2 %−1,2 %
    Industrials−1,7 %−2,5 %−1,3 %
    Communication Services

    Developing storylines

    No tracked sagas currently linked to XYF. Browse all sagas →

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-07-04 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • Company
    • EarningsQ2 2026 earnings (expected)2026-07-28 · estimated
    • Macro
    • Rate decisionReserve Bank of Australia rate decision (press conf.)2026-07-08 · AU
    • Rate decisionBank of Canada rate decision (press conf.)2026-07-15 · CA
    • Rate decisionEuropean Central Bank rate decision (press conf.)2026-07-16 · EU
    • Rate decisionBank of Japan rate decision (press conf.)2026-07-16 · JP
    • Rate decisionFederal Reserve rate decision (press conf.)2026-07-29 · US
    • Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
    • Macro & political
    • ElectionSE Swedish Election2026-09-14 · SE
    • ElectionUS U.S. Midterms2026-11-03 · US
    • ElectionFR French Legislative2027-06-01 · FR

    Pre-earnings brief

    Briefing · model-assisted

    There are no material changes to report for X Financial (XYF) at this time. The system indicates this is the first analysis for this ticker, meaning there is no prior basis for computing deltas or identifying shifts in performance or strategy. Current data shows a complete absence of market activity signals. Over the 30-day period ending June 17, 2026, there were zero dispatches recorded daily, with no associated sentiment data available. The company profile reflects minimal external engagement. XYF currently has one officer, zero analyst coverage, no index memberships, and no identified top holders. Given the lack of historical data and current signals, no significant developments or implications can be synthesized for investors. Further monitoring is required to establish a baseline for future analysis.

    Signals & dispatch

    peak dispatch · 2026-06-23

    Composite-score breakdown

    Composite score24 / 100
    Composite score 0-100 · Data quality 0,58
    Data quality0,58 / 1.00

    Synthesis

    Business

    X Financial operates on the NYSE with a market price of $4.71. The company's primary business activities and revenue generation methods are not clearly defined in the available data.

    Classification20 %
    SectorUnclassified
    AI synthesis
    GENERATED

    X Financial's capital structure and liquidity position cannot be assessed due to the unavailability of financial snapshot data. The company's valuation snapshot provides only the market price, with no additional metrics to evaluate its financial health or liquidity position.

    Profitability and returns metrics are not available for comparison against industry benchmarks or cohort medians, as the company lacks a defined industry classification and no financial data is accessible.

    Segment and geographic exposure details are not available in the input data, preventing an analysis of revenue concentration or geographic diversification.

    Growth trajectory cannot be determined due to the absence of revenue history and outlook data. The company's future financial performance remains speculative without access to forward-looking guidance or historical trends.

    Risk factors are not available for assessment, and no information is provided on dilution potential or valuation adjustments. The lack of source documents and financial data prevents a detailed evaluation of the company's risk profile.

    Recent events, such as filings and transcripts, are limited to sparse text observations, offering no actionable insights into the company's operations or strategic direction.

    There are no material changes to report for X Financial (XYF) at this time. The system indicates this is the first analysis for this ticker, meaning there is no prior basis for computing deltas or identifying shifts in performance or strategy. Current data shows a complete absence of market activity signals. Over the 30-day period ending June 17, 2026, there were zero dispatches recorded daily, with no associated sentiment data available. The company profile reflects minimal external engagement. XYF currently has one officer, zero analyst coverage, no index memberships, and no identified top holders. Given the lack of historical data and current signals, no significant developments or implications can be synthesized for investors. Further monitoring is required to establish a baseline for future analysis.

    Key takeaways
    • X Financial is unclassified across all industry and business sector dimensions, indicating a lack of clear operational or financial categorization.
    • The company's financial health, profitability, and liquidity cannot be assessed due to the absence of financial data.
    • No segment or geographic revenue breakdown is available, limiting the ability to evaluate diversification or concentration risk.
    • Growth and risk outlooks are speculative due to the lack of historical and forward-looking data.
    • Recent filings provide minimal insight, and no actionable signals are available for monitoring the company's performance.

    Bull / Bear case

    Generated · model-assisted
    — missing data

    In focus — financials by report

    Valuation

    Market price
    $4,94
    Market cap
    Enterprise value
    P/E
    Non-GAAP P/E
    EV / Revenue
    EV / Op income
    EV / OCF
    P / B
    P / Tangible book
    Tangible book
    Net cash
    Current ratio
    Debt / equity
    ROA
    ROE
    Cash conversion
    CapEx / revenue
    SBC / revenue
    Dilution ratio

    Revenue by segment

    Market share

    — missing data

    Business relationships

    — missing data

    Supply chain

    — missing data

    Peer comparison

    — missing data

    Market position

    Stress test

    — missing data

    Predictor forecast

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    — missing data

    Themes

    — missing data

    ESG

    — missing data

    Risk factors

    Dilution riskUnknown
    Liquidity riskUnknown

    Benchmarks vs cohort

    No cohort benchmark data available for this issuer yet.

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    — missing data

    Actions

    Ask Handelsavisen

    — missing data
    Data sources
    • Market data
    • Regulatory filings
    • Issuer disclosures
    • Public news
    • Earnings transcripts
    • Consensus estimates
    • ESG data
    How metrics are computed
    • Market Price
      input from market-data provider (delayed close or quote-shim mid)
    Source documents
    • X Financial company facts · 2026-05-30

    Ownership & reference

    Leadership

    • Kent LiPresident, Director

    Insider activity

    Mixed / flat0 buys · 0 sellsnet $01 insiders · last 365d
    • Wan ZhengDirector · Class A ordinary shares, including shares represented by ADSOther 90 000 · 2026-06-01

    Short positioning

    198.4Kshares short-9.6% vs prior
    2.01days to cover
    35.0%short of daily vol
    1.2Kfails-to-deliver
    as of 2026-06-15 · short-interest report (free)

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    XYFCanonical
    NYSE · USD

    Intel & risk

    peak dispatch · 2026-06-23
    OSINT findings
    Dilution riskUnknown
    Liquidity riskUnknown

    Evidence & claims

    From filings & derived data
    • Operating cash flow (YoY) (2025-12-31 vs 2024-12-31): 0.6%Derived (calculated)
    • Net margin (FY 2025-12-31): 19.2%Derived (calculated)
    • Return on equity (FY 2025-12-31): 18.7%Derived (calculated)
    • Return on assets (FY 2025-12-31): 10.0%Derived (calculated)
    • Debt-to-equity (FY 2025-12-31): 0.87xDerived (calculated)
    • Capex (YoY) (2025-12-31 vs 2024-12-31): 60.6%Derived (calculated)
    • Cash & equivalents (YoY) (2025-12-31 vs 2024-12-31): 4.7%Derived (calculated)
    • Cost of revenue (YoY) (2025-12-31 vs 2024-12-31): 21.3%Derived (calculated)
    • EPS (basic) (YoY) (2025-12-31 vs 2024-12-31): 17.8%Derived (calculated)
    • EPS (diluted) (YoY) (2025-12-31 vs 2024-12-31): 16.7%Derived (calculated)
    • Net income (YoY) (2025-12-31 vs 2024-12-31): -0.7%Derived (calculated)
    • Operating income (YoY) (2025-12-31 vs 2024-12-31): -9.2%Derived (calculated)
    • Revenue (YoY) (2025-12-31 vs 2024-12-31): 35.8%Derived (calculated)
    • Shareholders' equity (YoY) (2025-12-31 vs 2024-12-31): 17.6%Derived (calculated)
    • Total assets (YoY) (2025-12-31 vs 2024-12-31): 29.5%Derived (calculated)
    • Total liabilities (YoY) (2025-12-31 vs 2024-12-31): 46.5%Derived (calculated)
    • EPS (basic) (annual): USD-PER-SHARES 1SEC XBRL filing
    • Operating cash flow (annual): USD 209.86MSEC XBRL filing
    • Operating income (annual): USD 233.1MSEC XBRL filing
    • Revenue (annual): USD 1.09BSEC XBRL filing
    • Cash & equivalents (annual): USD 141.23MSEC XBRL filing
    • EPS (diluted) (annual): USD-PER-SHARES 1SEC XBRL filing
    • Shareholders' equity (annual): USD 1.12BSEC XBRL filing
    • Capex (annual): USD 3.13MSEC XBRL filing
    Showing 24 of 60 surfaced claims.
    Atomic claims from regulatory filings and derived calculations. Provenance shown as source kind only.

    The Thread

    Everything we know, in order
    2026-07-28EVENTUpcomingQ2 2026 earnings (expected) estimated date
    2026-06-17FILINGFORM 6-K →
    2026-06-01 00:00 UTCINSIDER1 insider transaction — 2026-06
    2026-06-01INSIDERWan Zheng transacted 90.0k sh Class A ordinary shares, including shares represented by ADS — Director
    2026-05-27FILINGFORM 6-K →
    2026-04-30FILING20-F filing →
    2026-03-25FILINGFORM 6-K →
    2025-11-20FILINGFORM 6-K →
    2025-11-18FILINGFORM 6-K →
    2025-09-26FILINGFORM 6-K →
    2025-08-18FILINGFORM 6-K →
    2025-05-23FILINGFORM 6-K →
    2025-05-19FILINGFORM 6-K →
    2025-04-25FILING20-F filing →
    2025-03-19FILINGFORM 6-K →
    The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
    Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-07-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage