Added to YB: 2026-01-07
Pitch date: 2026-01-03
XYF [bullish]
X Financial
+2.9%
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
$1.7B
Pitch Price
$5.86
Price Target
N/A
Dividend
9.70%
EV/EBITDA
0.26
P/E
0.99
EV/Sales
0.18
Sector
Consumer Finance
Category
value
Show full summary:
Nate's Investment Research | 2025 Returns & 2026 Investment Ideas - X Financial
XYF: Trading at 0.91x earnings & 0.2x book despite regulatory headwinds. Returned 37% of market cap via dividends (9.4% yield) + $68M buybacks in 2024. Even with 50-66% earnings decline, would trade at 2-3x earnings. Net cash provides downside protection. Extreme cheapness justifies regulatory risk.
Read full article (2 min)