X Financial operates as an online personal finance company that develops and provides a technology platform for personal finance services. The company is headquartered in Shenzhen, Guangdong and currently employs 563 full-time employees. The company went IPO on 2018-09-19. The firm is engaged in the connection of borrowers with institutional funding partners and the provision of online personal credit loan products. The firm's main product is Xiaoying Credit Loan, which mainly consists of Xiaoying Card Loan and other unsecured loan products. The firm is also engaged in the provision of secured loan products sunch as Xiaoying Housing Loan and others. The firm primarily conducts its businesses in domestic market.
Based on comprehensive analyst evaluations, we have synthesized critical insights from expert assessments to outline a cautious outlook for XYF. Analysts note deteriorating fundamentals and challenging market sentiment, indicating potential downside risks in the near term. Following this expert analysis, we adopt a bearish stance on this stock. Our conclusion: XYF is a Sell candidate.
XYF stock price ended at $6 on 木曜日, after rising 3.63%
On the latest trading day Jan 22, 2026, the stock price of XYF rose by 3.63%, climbing from $5.79 to $6.00. During the session, the stock saw a volatility of 7.14%, with prices oscillating between a daily low of $5.74 and a high of $6.15. Notably, trading volume dropped by 79.2K shares on the last day despite the price increase, which may signal a potential uptick in risk in the near term. A total of 350.4K shares were traded, equating to a market value of approximately $253.2M.