Stock fact sheet · data as of
X Financial (XYF): fair value, margin of safety and Wheel Score
Financial Services · Financial - Credit Services · China · ADR · High Growth
Is XYF undervalued?
XYF has a margin of safety of 100%: the stock closed at 4.85 on 16 Oct 2026 against a GLS average fair value of 2,092.71. 9 of the 9 valuation models that produced a number sit above the price. Our screens treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.
There is a wide gap between Lynch (53.71) and DCF (11,211.62). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files XYF under High Growth: revenue and earnings growing fast enough that the growth-based models carry the valuation.
Nine valuation models for XYF
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 11,211.62 | +231067% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 263.86 | +5340% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 216.65 | +4367% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 53.71 | +1008% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 822.09 | +16850% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 4,732.80 | +97483% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 1,329.35 | +27309% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 55.13 | +1037% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 149.21 | +2976% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | 845.27 | +17328% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
X Financial scores 6 of 9 on the Piotroski F-score: a middling result that passes the Sunday Scan's "6 or more" rule. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. On durability XYF scores 6.1/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
Returns on capital are high - ROIC 15.8%, ROE 18.2%, ROA 9.7% - with debt at 0.15 times equity and a free-cash-flow yield of 683.9%.
The dividend yield is high at 11.55% (payout ratio 28%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual. Revenue comes mainly from Xiaoying Credit Loan 49%, Loan Facilitation Service 27%, Financial Service 10% (fiscal year FY2025).
Institutional ownership scores 2/10, insider activity 1/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 15.8% |
|---|---|---|---|
| GLS Moat | 6.1 / 10 | ROE | 18.2% |
| Debt / equity | 0.15 | ROA | 9.7% |
| Free-cash-flow yield | 683.9% | Payout ratio | 28% |
| Institutions | 2 / 10 | Insiders · Congress | 1 · 5 / 10 |
Wheel Score 39: No options
No options are listed on X Financial in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 39) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 79k shares a day on a market cap of $32M, with a beta of 0.48 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 25 / 25 | 100% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 9 / 15 | moat 6.1/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 79k shares/day, $32M cap, beta 0.48 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 25 Nov 2026 (before the open), 40 days away; a 30-45-day put sold today would expire after it, which is worth weighing against the premium.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Financial - Credit Services
The 12 companies below are the closest to X Financial by market cap within the Financial - Credit Services industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| PRPS Propellus Inc. | 3.11 | - | - | 25No options | $28M |
| FIGI Freedom Internet Group Inc. | 2.05 | 0.0075 | -27248% | 15No options | $23M |
| VRM Vroom, Inc. | 8.95 | 140.85 | +94% | 39No options | $47M |
| ANTA Antalpha Platform Holding Company | 2.33 | 16.10 | +86% | 39No options | $56M |
| STQN Strategic Acquisitions, Inc. | 0.3800 | - | - | 25No options | $18M |
| YRD Yiren Digital Ltd. | 0.6496 | 39.61 | +98% | 45Weak | $56M |
| JFIN Jiayin Group Inc. | 1.22 | 50.42 | +98% | 45Weak | $64M |
| DXF Eason Technology Limited | 0.4499 | - | - | 27No options | $11M |
| SUIG SUI Group Holdings Limited | 1.28 | 0.5096 | -151% | 22Weak | $98M |
| FOA Finance of America Companies Inc. | 10.99 | - | - | 39Weak | $101M |
| SPFX Standard Premium Finance Holdings, Inc. | 3.15 | 13.23 | +76% | 39No options | $9M |
| LX LexinFintech Holdings Ltd. | 0.6840 | 85.88 | +99% | 63Fair | $115M |
⚖ Compare XYF with 7 of them All Financial Services stocks →
Screen the whole market the same way
A free GLS Equity account gets you nightly fair value and the Wheel Score on ~7,400 US stocks, a watchlist, the scanner preview and the Sunday Scan - the same eight-rule screen, emailed every week. Pro adds the full put and call scanners, unlimited watchlists with alerts and the trade journal.
Start free See the Sunday ScanQuestions about XYF
Is XYF undervalued right now?
By the GLS models, yes: at 4.85 the stock is 100% below the average fair value of 2,092.71 (data as of 16 Oct 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of XYF and what does it mean?
XYF has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for XYF?
2,092.71 per share as of 16 Oct 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does X Financial report earnings next?
The next earnings report is due on 25 Nov 2026 (before the open), 40 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does XYF have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on XYF, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.