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Upturn AI SWOT - About
X Financial Class A (XYF)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/14/2025: XYF (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit 226.44% | Avg. Invested days 47 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 698.57M USD | Price to earnings Ratio 3.42 | 1Y Target Price 1.7 |
Price to earnings Ratio 3.42 | 1Y Target Price 1.7 | ||
Volume (30-day avg) - | Beta 0.24 | 52 Weeks Range 3.59 - 19.51 | Updated Date 06/29/2025 |
52 Weeks Range 3.59 - 19.51 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 2.54% | Basic EPS (TTM) 4.84 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.77% | Operating Margin (TTM) 69.2% |
Management Effectiveness
Return on Assets (TTM) 22.53% | Return on Equity (TTM) 23.94% |
Valuation
Trailing PE 3.42 | Forward PE - | Enterprise Value 3409305856 | Price to Sales(TTM) 0.11 |
Enterprise Value 3409305856 | Price to Sales(TTM) 0.11 | ||
Enterprise Value to Revenue 2.03 | Enterprise Value to EBITDA - | Shares Outstanding 25942700 | Shares Floating 110872594 |
Shares Outstanding 25942700 | Shares Floating 110872594 | ||
Percent Insiders 3.98 | Percent Institutions 3.99 |
Upturn AI SWOT
X Financial Class A
Company Overview
History and Background
X Financial Class A does not exist as a publicly traded US company. The structure of the JSON requires an analysis of a publicly traded company.
Core Business Areas
Leadership and Structure
Since X Financial Class A does not exist, this cannot be provided.
Top Products and Market Share
Key Offerings
Market Dynamics
Industry Overview
Since X Financial Class A does not exist, this cannot be provided.
Positioning
Since X Financial Class A does not exist, this cannot be provided.
Total Addressable Market (TAM)
Since X Financial Class A does not exist, this cannot be provided.
Upturn SWOT Analysis
Strengths
Weaknesses
Opportunities
Threats
Competitors and Market Share
Key Competitors
Competitive Landscape
Since X Financial Class A does not exist, this cannot be provided.
Growth Trajectory and Initiatives
Historical Growth: Since X Financial Class A does not exist, this cannot be provided.
Future Projections: Since X Financial Class A does not exist, this cannot be provided.
Recent Initiatives: Since X Financial Class A does not exist, this cannot be provided.
Summary
X Financial Class A does not exist as a US traded company, therefore an analysis cannot be provided.
Peer Comparison
Sources and Disclaimers
Data Sources:
Disclaimers:
Analysis is based on the assumption that X Financial Class A is a valid publicly traded US company, but this has been found to not be true. All analyses are void and cannot be based on reality.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About X Financial Class A
Exchange NYSE | Headquaters - | ||
IPO Launch date 2018-09-18 | Founder, CEO & Chairman Mr. Yue Tang | ||
Sector Financial Services | Industry Credit Services | Full time employees 563 | Website https://www.xiaoyinggroup.com |
Full time employees 563 | Website https://www.xiaoyinggroup.com | ||
X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. The company offers Xiaoying credit loan, a category of online personal credit loan products, including Xiaoying card loan and other unsecured loan products; and Xiaoying housing loan, a secured home equity loan product. It also provides guarantee, consulting, e-commerce, and microcredit services. In addition, the company engages in the technology development and service, as well as the sale of products. X Financial was incorporated in 2014 and is headquartered in Shenzhen, the People's Republic of China.
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