Added to YB: 2026-07-23
Pitch date: 2026-07-21
XYF [neutral]
X Financial
-0.42%
current return
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
$1.3B
Pitch Price
$4.76
Price Target
N/A
Dividend
11.68%
EV/EBITDA
0.15
P/E
0.92
EV/Sales
0.09
Sector
Consumer Finance
Category
special_situation
Chinese Lenders Review - XYF
XYF (update): Chinese online lender hit hard by new 24% all-in loan cost cap, disclosure rules, & bank whitelist favoring QFIN/FinVolution. Q1'26 originations <half Q3'25; 91-180d delinquency surged to 9.95%. Trades 0.17x book, 11% div yield, but weak buybacks (bought high, not low). Author exited as top pick; doubts biz value under hostile regs.
Read full article (5 min)