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 Company’s products primarily include Xiaoying Card Loan and Xiaoying Preferred Loan. The firm is also engaged in the provision of investment opportunities to investors through its wealth management platform, Xiaoying Wealth Management. The Company’s WinSAFE risk control system builds risk profiles of its prospective borrowers upon data from credit information providers.
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 $6.1 on 金曜日, after rising 1.67%
On the latest trading day Jan 23, 2026, the stock price of XYF rose by 1.67%, climbing from $6.00 to $6.10. Throughout the session, the stock experienced a volatility of 2.34%, with prices fluctuating between a daily low of $5.99 and a high of $6.13. Alongside this price increase, trading volume also rose by 282.2K shares, reflecting strong market interest that may signal continued bullish momentum in the near term. In total, 68.2K shares were traded, amounting to a market value of approximately $257.4M.