X Financial

XYF

Financial - Credit Services · Financial Services

Price

$4.64

-0.12 (-2.52%)

Market Cap

$31.4M

Exchange

New York Stock Exchange

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count falling — buybacks

−25.9% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 9.4M (2021) → 6.9M (2025)

X Financial is a Chinese online lending company that connects borrowers with lenders through its digital platform. It mainly offers personal installment loans and credit products to individual consumers and small business owners in China. The company operates entirely online, making it part of China's large and competitive fintech lending industry.

X Financial makes money by charging fees and interest on the loans it facilitates, keeping a portion of each transaction as revenue. It operates exclusively in China and is a relatively small player in the market, with a market cap that reflects its modest scale. The company's main competitive edge is its use of data and technology to assess borrower risk quickly, but it faces significant risk from China's strict and frequently changing regulations on online lending, which have already forced major restructuring across the industry in recent years.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-39.7% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-91.2% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

64.9%ownership

Insiders own a meaningful stake in the company

Cash Position

Cash flow positive

$10.4B cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

X Financial's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

58.7%

Premium pricing power — 58.7% gross margin

Operating Margin

12.0%

Modest — 12.0% operating margin

ROCE

1.7%

Weak — 1.7% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+31.8%

Fast-growing sales (31.8% YoY)

EPS YoY

-27.8%

Earnings shrinking (-27.8% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Cash Conversion

141%

Turns 141% of profit into real cash

FCF Margin

21.1%

Converts sales into free cash efficiently (21.1%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

Debt / Equity

0.05

Conservative — low debt load (0.05)

Interest Cover

0.93x

Dangerous — barely covers interest (0.9x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

0.0x

Attractive valuation — P/E 0.0

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

-0.3

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend Yield

12.10%

Healthy income — 12.10% yield

Yield above 6% — often a flag the market is pricing in a cut.

Dividend Growth

N/A

no trend

Data not available

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