XYF (XYF) Stock Price & Analysis
XYF (XYF) rose 0.21% to USD 4.79 as of July 25, 2026 at 07:48 UTC, according to Nexqual real-time market data.
XYF last closed at USD 4.78; the session ranged USD 4.74–4.82 on volume of 38,006 shares. Market capitalization is $184.49M, with a 52-week range of USD 3.3–16.4 (NYQ). Source: Nexqual, July 25, 2026 at 07:48 UTC.
Key Statistics (as of July 25, 2026 at 07:48 UTC)
| Price | USD 4.79 |
|---|---|
| Change | ▲ 0.21% (up) |
| Previous Close | USD 4.78 |
| Open | USD 4.74 |
| Day Range | USD 4.74 – 4.82 |
| 52-Week Range | USD 3.3 – 16.4 |
| Volume | 38,006 shares |
| Market Cap | $184.49M |
| Exchange | NYQ |
Technical Analysis (XYF)
Nexqual's technical model rates XYF "SELL" based on 1 bullish and 4 bearish signals across 125 daily candles, as of July 25, 2026 at 07:48 UTC.
| Overall Signal | SELL |
|---|---|
| RSI (14) | 51.59 (neutral) |
| vs SMA50 | Below (USD 4.81) |
| MACD | -0.03 (negative) |
Analyst Ratings (XYF)
Wall Street analysts rate XYF "None", per Nexqual as of July 25, 2026 at 07:48 UTC.
| Consensus Rating | None |
|---|
Earnings (XYF)
| Next Earnings Date | 2026-08-17 |
|---|
Source: Nexqual, July 25, 2026 at 07:48 UTC.
Financials & Fundamentals (XYF)
| Total Revenue | $7.64B |
|---|---|
| Revenue Growth (YoY) | -14.10% |
| Gross Margin | +69.10% |
| Operating Margin | +43.88% |
| Profit Margin | +19.17% |
| ROE | +19.80% |
| Debt / Equity | 5.81 |
| Current Ratio | 5.05 |
| Total Cash | $987.63M |
| Total Debt | $455.19M |
| Free Cash Flow | $1.38B |
Source: Nexqual, July 25, 2026 at 07:48 UTC.
Financial Health Score (XYF)
Nexqual rates XYF's overall financial health "Mixed" across five dimensions, as of July 25, 2026 at 07:48 UTC.
| Growth | Critical — Revenue -100% YoY (annual), sharp decline |
|---|---|
| Profitability | Weak — Pre-revenue or very early stage |
| Balance Sheet | Strong — $988M cash vs $455M debt, net cash position |
| Cash Flow | Solid — Operating cash flow $1.47B |
| Efficiency | Solid — ROE 20%, ROA 22.8% |
Ownership (XYF)
| Insider Ownership | +17.09% |
|---|---|
| Institutional Ownership | +6.03% |
| Shares Outstanding | 22.25M |
| Float | 14.26M |
| Short % of Float | +0.82% |
Source: Nexqual, July 25, 2026 at 07:48 UTC.
Leadership (XYF)
XYF is led by Yue Tang (age 53), Founder, CEO & Chairman, per Nexqual as of July 25, 2026 at 07:48 UTC.
| Founder, CEO & Chairman | Yue Tang (age 53) |
|---|---|
| President, Acting Chief Risk Officer & Director | Kan Li (age 52) |
| Chief Financial Officer | Fuya Zheng (age 58) |
| Chief Financial Strategy Officer | Noah Kauffman (age 43) |
Major Backers & Investors (XYF)
Notable institutional backers of XYF include Acadian Asset Management. LLC, Two Sigma Investments, LP, Qube Research & Technologies Ltd, according to Nexqual as of July 25, 2026 at 07:48 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Acadian Asset Management. LLC | 1.21% |
| Two Sigma Investments, LP | 0.77% |
| Qube Research & Technologies Ltd | 0.76% |
| O'Shaughnessy Asset Management LLC | 0.59% |
| Trexquant Investment, LP | 0.51% |
| Morgan Stanley | 0.47% |
| Renaissance Technologies | 0.38% |
| UBS Group AG | 0.2% |
Source: Nexqual, July 25, 2026 at 07:48 UTC.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| YRD | Yiren Digital Ltd. | USD 1.18 | ▼ 5.6% |
| JFIN | Jiayin Group Inc. | USD 2.16 | ▼ 5.68% |
| MOGU | MOGU Inc. | USD 1.89 | ▲ 0.8% |
| VIOT | Viomi Technology Co., Ltd | USD 0.75 | ▼ 2.6% |
| FEDU | Four Seasons Education (Cayman) | USD 8.12 | ▲ 6.84% |
Data source: Nexqual — real-time market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: July 25, 2026 at 07:48 UTC. This page is informational and not investment advice.