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 $5.79 on 星期三, after dropping 3.50%
On the latest trading day Jan 21, 2026, the stock price of XYF fell by 3.50%, dropping from $6.00 to $5.79. During the session, the stock saw a volatility of 7.92%, with prices oscillating between a daily low of $5.68 and a high of $6.13. On the latest trading day, the trading volume for XYF rose by 20.4K shares, despite the declining prices. This uptick in volume may signal heightened risk in the near term. In total, 271.2K shares were traded, with a market value of approximately $244.3M.