Added to YB: 2026-02-10
Pitch date: 2026-02-06
XYF [neutral]
X Financial
-3.03%
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
$1.5B
Pitch Price
$5.28
Price Target
N/A
Dividend
10.65%
EV/EBITDA
0.23
P/E
0.90
EV/Sales
0.16
Sector
Consumer Finance
Category
special_situation
I missed a huge problem when buying XYF
XYF (update): China's new microloan rules cap rates at 12% by 2027 vs XYF's current higher rates, threatening viability of short-term loans given 3.5% 6-month delinquency rates. Two scenarios: regs modified (competitors already exiting) or liquidation ($5-$20/share vs $28 BV). Holding for clarity.
Read full article (2 min)