Stock fact sheet · data as of
X Financial (XYF): fair value, margin of safety and Wheel Score
Ticker symbol XYF · Financial Services · Financial - Credit Services · China · ADR · Blend Income
XYF is an American depositary share (ADR): the US listing of X Financial, whose own shares trade on its home exchange. It trades in dollars during US hours; currency moves and the home country's rules also affect it, and the depositary bank charges a small yearly fee.
Is XYF undervalued?
XYF has a margin of safety of 100%: the stock closed at 4.96 on 5 Nov 2026 against a GLS average fair value of 1,805.53. 9 of the 9 valuation models that produced a number sit above the price. Our scans 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 DDM (8.80) and DCF (12,592.04). 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.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for XYF, so the nightly engine files it under Blend (value score 99, growth score 84, out of 100). It also carries the Income tag (Income = a dividend yield of 4% or more).
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 | 12,592.04 | +253772% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 234.33 | +4624% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 217.37 | +4283% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 53.89 | +987% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 824.86 | +16530% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 834.93 | +16733% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 1,333.81 | +26791% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 8.80 | +77% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 149.71 | +2918% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | 127.27 | +2466% | 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 "Piotroski 6 or more" Wheel Trade Filter. 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 6.0/10 on the GLS Moat - a middle reading; the Moat Score tab on the Quote page's Financials view shows which of the four parts hold it back.
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 673.7%.
The dividend yield is high at 12.06% (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 | 6.0 / 10 | ROE | 18.2% |
| Debt / equity | 0.15 | ROA | 9.7% |
| Free-cash-flow yield | 673.7% | Payout ratio | 28% |
| Institutions | 2 / 10 | Insiders · Congress | 1 · 5 / 10 |
Wheel Score 34: No options
No options are listed on X Financial in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 34, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 7k 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 rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $32M (under $1.0B) |
| 9 | Not a penny stock | Fails | price 4.96 (under $5) |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 100% below fair value | |
| Premium | Weak | no option data | |
| Moat | Good | moat 6.0/10 | |
| Health | Good | Piotroski 6/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.48, $32M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 25 Nov 2026 (before the open), 20 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 |
|---|---|---|---|---|---|
| YRD Yiren Digital Ltd. | 0.3942 | 22.11 | +98% | 26Weak | $34M |
| VRM Vroom, Inc. | 7.00 | 140.85 | +95% | 27No options | $37M |
| PRPS Propellus Inc. | 3.11 | - | - | 11No options | $28M |
| ANTA Antalpha Platform Holding Company | 1.71 | 18.81 | +91% | 28No options | $41M |
| FIGI Freedom Internet Group Inc. | 2.05 | 0.0073 | -28085% | 12No options | $23M |
| PTIV Pineapple Financial, Inc. | 0.7480 | - | - | 9No options | $19M |
| STQN Strategic Acquisitions, Inc. | 0.3800 | - | - | 9No options | $18M |
| CCUR CCUR Holdings, Inc. | 5,000.00 | 36,021.05 | +86% | 28No options | $15M |
| JFIN Jiayin Group Inc. | 1.55 | 14.65 | +89% | 28Weak | $81M |
| SUIG SUI Group Holdings Limited | 1.06 | 0.5090 | -108% | 9Weak | $81M |
| FOA Finance of America Companies Inc. | 11.99 | 131.17 | +91% | 26Weak | $111M |
| LX LexinFintech Holdings Ltd. | 0.6950 | 40.79 | +98% | 34Weak | $115M |
⚖ Compare XYF with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about XYF
Is XYF undervalued right now?
By the GLS models, yes: at 4.96 the stock is 100% below the average fair value of 1,805.53 (data as of 5 Nov 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; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for XYF?
1,805.53 per share as of 5 Nov 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), 20 days from the data date of 5 Nov 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 stays under 70.
Is XYF an ADR?
Yes. XYF is an American depositary share (ADR): the US listing of X Financial, whose own shares trade on its home exchange. It trades in dollars during US hours; currency moves and the home country's rules also affect it, and the depositary bank charges a small yearly fee.