Added to YB: 2026-01-06
Pitch date: 2026-01-03
XYF [bullish]
X Financial
-14.51%
current return
Author Info
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Company Info
X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China.
Market Cap
$1.4B
Pitch Price
$5.86
Price Target
20.00 (+299%)
Dividend
11.21%
EV/EBITDA
0.18
P/E
0.97
EV/Sales
0.12
Sector
Consumer Finance
Category
value
X Financial (XYF) is a 1 PE stock
XYF: Chinese online lender trading at 1x TTM EPS ($5.77 vs $5.87 EPS), 4.5% div yield + 30% buyback spend = 35% cash return yield. Delinquency rates rising but below pre-2020 levels. $10+ cash/share, $5-20 liquidation value. Risks: China regulation, fraud, CEO control, loan portfolio shrinking. Mgmt prioritizing risk over growth.
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