Added to YB: 2026-05-11
Pitch date: 2026-05-08
XYF [bullish]
X Financial
Author Info
No bio for this author
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
N/A
Price Target
17.60 (+252%)
Dividend
11.21%
EV/EBITDA
0.18
P/E
0.97
EV/Sales
0.12
Sector
Consumer Finance
Category
turnaround
X Financial (NYSE: XYF) — When the Cheapest Stock in the Most Hated Sector Hits Reality
XYF: Chinese online consumer credit platform at 1x P/E, 0.17x BV, 11% yield w/ buybacks. FY25 net income RMB1.46B ($209M) vs $192M mkt cap. Q4 collapsed: NI -85% YoY, 91-180d delinquencies 6.31% (vs 2.48%), provisions tripled on NFRA Notice 9 capping rates at 24% (from 36%). Q1'26 originations guided down 56% YoY to RMB14.5-15.5B. Founder-led, fortress balance sheet (cash 1.5x mkt cap). Risks: rate cap enforcement, credit cycle, VIE structure. Fair value $17.60 (8x '28E EPS $2.20) vs $4.97 today = 50% IRR over 3yr, but 2026 trough year likely.
Read full article (13 min)