XYF

X Financial
NYSEUSDEQUITY Financial Services DELAYED
Last price
5.22
▼ 0.28 (5.09%)
MARKET ·

Price

Open
5.50
Prev close
5.50
Day high
5.65
Day low
5.27
Volume
71.48K
Market cap
$207.60M
P/E (TTM)
1.41
52W range
3.30 – 16.40

Trailing performance

Price return · vs SPY
Returnvs SPY
1W
-0.55% +0.8%
1M
+12.76% +9.0%
3M
+7.58% +4.5%
6M
+8.67% -2.4%
YTD
-3.75% -16.0%
1Y
-57.82% -77.8%
3Y
+36.46% -37.7%
5Y

Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.

Fundamentals

TTM · reported
Market cap$207.60M
Enterprise value$-424.17M
Revenue (TTM)$6.88B
Gross profit$4.52B
EBITDA$4.07B
Net income$1.04B
EPS (TTM)$3.81
Free cash flow
Total cash$1.02B
Total debt$386.72M
Book value / share$29.53
Shares outstanding22.25M
Float14.41M
Short % of float0.76%
Dividend yield10.40%
Beta (5Y)0.46

Valuation & profitability ratios

Account required
Trailing P/E1.41
Forward P/E14.57
PEG ratio
Price / sales
Price / book0.18
EV / revenue-0.06
EV / EBITDA-0.10
Gross margin65.65%
Operating margin47.66%
Profit margin15.18%
Return on equity13.74%
Return on assets19.73%
Debt / equity4.98
Current ratio4.57
Free account required

Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.

Financial statements

Annual · as reported
Last 4 fiscal years
Line item2020201920182017
Total revenue$0$3.09B$3.54B$1.79B
Cost of revenue$0$0$0$0
Gross profit$0$0$0$0
R&D
SG&A
Operating income
Pre-tax income
Tax provision$0$0$0$0
Net income$0$774.28M$883.11M$0
EBIT$0$0$0$0

Earnings

History & consensus estimates
Forward consensus
PeriodEPSAnalystsRevenueGrowth
Current quarter $0
Next quarter $0
Current year $0
Next year $0

Analyst targets & ownership

Account required
Mean target
High target
Low target
Implied upside
Analyst count
ConsensusNONE
Strong buy / Buy— / —
Hold
Sell / Strong sell— / —
Held by insiders17.09%
Held by institutions4.18%
Institutions holding30
Free account required

Price targets, consensus spread, insider and institutional ownership.

Insider net activity

6m · Form 4 rollup
Net shares
+90.00K
Net buying
Buy transactions
3
270.00K shares
Sell transactions
1
180.00K shares
Net transactions
+4
Buys less sells
Sell : buy shares
0.7 : 1
Mixed
Insider-held shares
6.67M
Total on file
Bought 270.00KSold 180.00K

Insider transactions

Account required
DateInsiderAction SharesValueHeld
Jul 31, 26
ZHANG LONGGEN
Director
90.00K Direct
Jul 31, 26
XUE ZHENG
Director
90.00K Direct
Jun 15, 26
WAN ZHENG
Director
SELL 180.00K $942.30K Direct
Jun 1, 26
WAN ZHENG
Director
90.00K Direct
What this is, and what it is not

These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.

A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.

This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.

Free account required

Officer and director trades in their own stock, straight from Form 4 filings.

Insider holders

3 reporting
NameRelationShares heldLatest
WAN ZHENG
Director 0 Sale
XUE ZHENG
Director 500.00K Conversion of Exercise of derivative security
ZHANG LONGGEN
Director 500.00K Conversion of Exercise of derivative security

Moving averages & technicals

Computed from 2Y daily closes
SMA 10
5.38
-3.03% from price
SMA 20
5.23
+3.00% from price
SMA 50
4.99
+7.96% from price
SMA 100
4.86
+7.43% from price
SMA 200
5.64
-4.41% from price
EMA 12
5.34
-2.21% from price
EMA 26
5.19
+0.56% from price
EMA 50
5.07
+3.05% from price
RSI (14)
57.6
Neutral
MACD (12,26,9)
0.15
Hist 0.01
ATR (14)
0.24
4.48% of price
Realised vol 30D
35.3%
Annualised
Bollinger upper
5.61
20, 2σ
Bollinger lower
4.86
20, 2σ
50 / 200 cross
Death
4.99 vs 5.64
Trend bias
Below 200
-4.41%

Risk profile

Daily returns · 1Y window
Beta vs SPY
1.19
More volatile than market
Correlation to SPY
0.26
Largely independent
Realised vol 30D
35.3%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-78.3%
Peak to trough
Max drawdown 5Y
-83.0%
Peak to trough
ATR 14
0.24
4.48% of price
Beta (reported)
0.46
5Y monthly, from filing

Unusual options activity

Account required
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
Free account required

Contracts trading at or above their open interest, ranked by notional and where the print landed.

Options analytics

Account required
Put / call volume
Put / call open interest
Positioning, not flow
Max pain
ATM implied vol
Nearest strike to spot
Skew (10% OTM)
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
Heaviest put OI

Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.

Free account required

Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.

Options chain

Account required
ExpirySpot 5.22
Calls
StrikeLastBidAskVolOIIV
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
Puts
StrikeLastBidAskVolOIIV
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
000.000.000.000.00000.0%
Free account required

Every listed expiry, both sides of the book, with volume, open interest and implied volatility.

PRIVATE STRATEGY · BY QUALIFICATION

The same data. A different seat.

The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.