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X Financial XYF
X Financial (XYF) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend (safety: safe). FY2025 revenue was $1.1B at a 19.2% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| XYF | X Financial | 5/9 | — | — | +35.8% |
| UPST | Upstart Holdings, Inc. | 3/9 | — | 57.6 | +64% |
| OPRT | Oportun Financial Corp | 4/9 | — | 10.4 | -4.5% |
| WD | Walker & Dunlop, Inc. | 1/9 | — | 31.6 | +9% |
| MARA | MARA Holdings, Inc. | 2/9 | -0.64 | — | +38.2% |
| JFIN | Jiayin Group Inc. | 3/9 | 6.18 | — | +12% |
| PGY | Pagaya Technologies Ltd. | 5/9 | — | 16.2 | +26.1% |
All Finance, Insurance & Real Estate companies →
About X Financial
X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. 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. It also provides guarantee, consulting, e-commerce, and microcredit services. In addition, the company engages in the technology development and service, as well as the sale of products. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.
FAQ
Is XYF financially healthy?
X Financial's Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does XYF pay a dividend, and is it safe?
Yes. X Financial pays a dividend with a 10.6% payout ratio, rated “safe” for safety.
How profitable is XYF?
In FY2025, X Financial had a net margin of 19.2% and a return on equity of 18.7%.
Is XYF overvalued or undervalued?
X Financial trades at about 6.2× trailing earnings — below its 10-year norm (10-year range 6.1×–40.4×, median 10.3×). Stocktoria reports the data, not buy/sell advice.
Is XYF a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on X Financial: a Piotroski F-score of 5/9. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.