X Financial Class Stock Buy Hold or Sell Recommendation
| XYF Stock | USD 7.26 0.31 4.46% |
Considering the 90-day investment horizon and your above-average risk tolerance, our recommendation regarding X Financial Class is 'Strong Sell'. Macroaxis provides X Financial buy-hold-or-sell recommendation only in the context of selected investment horizon and investor attitude towards risk assumed by holding XYF positions.
Check out X Financial Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. Note, we conduct extensive research on individual companies such as XYF and provide practical buy, sell, or hold advice based on investors' constraints. X Financial Class. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in manufacturing.
XYF |
Execute X Financial Buy or Sell Advice
The XYF recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on X Financial Class. Macroaxis does not own or have any residual interests in X Financial Class or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute X Financial's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Strong Sell
Market Performance | Good | Details | |
Volatility | Risky | Details | |
Hype Condition | Over hyped | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Very Low | Details | |
Economic Sensitivity | Almost neglects market trends | Details | |
Investor Sentiment | Interested | Details | |
Analyst Consensus | Strong Sell | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
X Financial Trading Alerts and Improvement Suggestions
| X Financial Class appears to be risky and price may revert if volatility continues | |
| Latest headline from gurufocus.com: X Financial Reports Third Quarter 2024 Unaudited Financial Results |
X Financial Returns Distribution Density
The distribution of X Financial's historical returns is an attempt to chart the uncertainty of X Financial's future price movements. The chart of the probability distribution of X Financial daily returns describes the distribution of returns around its average expected value. We use X Financial Class price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of X Financial returns is essential to provide solid investment advice for X Financial.
| Mean Return | 0.83 | Value At Risk | -5.12 | Potential Upside | 9.28 | Standard Deviation | 4.49 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of X Financial historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
XYF Stock Institutional Investors
| Shares | Awh Capital, L.p. | 2024-09-30 | 258.1 K | Citadel Advisors Llc | 2024-06-30 | 0.0 | Renaissance Technologies Corp | 2024-09-30 | 86.6 K | Morgan Stanley - Brokerage Accounts | 2024-06-30 | 64.6 K | Goldman Sachs Group Inc | 2024-06-30 | 57.4 K | Rhumbline Advisers | 2024-06-30 | 8.7 K | Acadian Asset Management Llc | 2024-06-30 | 5.9 K | Federation Des Caisses Desjardins Du Quebec | 2024-06-30 | 2.2 K | Larson Financial Group, Llc | 2024-06-30 | 400 | Qube Research & Technologies | 2024-06-30 | 36.0 | Alpha Wave Global Lp | 2024-09-30 | 0.0 |
X Financial Cash Flow Accounts
| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 (projected) | ||
| Investments | (3.1B) | (9.5M) | (2.3B) | (913.4M) | (1.1B) | (1.2B) | |
| Change In Cash | 242.6M | 78.2M | (606.5M) | 14.9M | 937.5M | 984.4M | |
| Net Borrowings | (498.8M) | 2.8B | 4.5B | (166.5M) | (191.5M) | (181.9M) | |
| Free Cash Flow | 205.4M | (684.6M) | 446.6M | 316.6M | 805.7M | 846.0M | |
| Depreciation | 11.4M | 11.9M | 8.1M | 6.6M | 5.3M | 8.4M | |
| Other Non Cash Items | 785.3M | 1.6B | 317.7M | 87.1M | 242.5M | 230.3M | |
| Capital Expenditures | 395.1M | 5.4M | 2.6M | 6.1M | 8.5M | 8.0M | |
| Net Income | 774.5M | (1.3B) | 825.4M | 812.0M | 1.2B | 1.2B | |
| End Period Cash Flow | 1.5B | 1.6B | 992.0M | 1.0B | 1.9B | 1.3B | |
| Change To Netincome | 786.5M | 472.2M | 1.5B | 739.6M | 850.5M | 653.8M |
X Financial Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to X Financial or Consumer Finance sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that X Financial's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a XYF stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | 0.86 | |
β | Beta against Dow Jones | -0.36 | |
σ | Overall volatility | 4.58 | |
Ir | Information ratio | 0.16 |
X Financial Volatility Alert
X Financial Class shows above-average downside volatility for the selected time horizon. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure X Financial's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact X Financial's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.X Financial Fundamentals Vs Peers
Comparing X Financial's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze X Financial's direct or indirect competition across all of the common fundamentals between X Financial and the related equities. This way, we can detect undervalued stocks with similar characteristics as X Financial or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of X Financial's fundamental indicators could also be used in its relative valuation, which is a method of valuing X Financial by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare X Financial to competition |
| Fundamentals | X Financial | Peer Average |
| Return On Equity | 0.22 | -0.31 |
| Return On Asset | 0.0915 | -0.14 |
| Profit Margin | 0.25 % | (1.27) % |
| Operating Margin | 0.59 % | (5.51) % |
| Current Valuation | 940.36 M | 16.62 B |
| Shares Outstanding | 31.15 M | 571.82 M |
| Shares Owned By Insiders | 1.78 % | 10.09 % |
| Shares Owned By Institutions | 1.91 % | 39.21 % |
| Number Of Shares Shorted | 19.26 K | 4.71 M |
| Price To Earning | 1.18 X | 28.72 X |
| Price To Book | 0.36 X | 9.51 X |
| Price To Sales | 0.06 X | 11.42 X |
| Revenue | 1.89 B | 9.43 B |
| Gross Profit | 1.59 B | 27.38 B |
| EBITDA | 1.51 B | 3.9 B |
| Net Income | 1.19 B | 570.98 M |
| Cash And Equivalents | 584.76 M | 2.7 B |
| Cash Per Share | 12.19 X | 5.01 X |
| Total Debt | 577.85 M | 5.32 B |
| Debt To Equity | 0.03 % | 48.70 % |
| Current Ratio | 5.88 X | 2.16 X |
| Book Value Per Share | 119.51 X | 1.93 K |
| Cash Flow From Operations | 814.14 M | 971.22 M |
| Short Ratio | 0.96 X | 4.00 X |
| Earnings Per Share | 3.87 X | 3.12 X |
| Price To Earnings To Growth | 0.07 X | 4.89 X |
| Target Price | 1.7 | |
| Number Of Employees | 521 | 18.84 K |
| Beta | 0.32 | -0.15 |
| Market Capitalization | 329.51 M | 19.03 B |
| Total Asset | 11.65 B | 29.47 B |
| Retained Earnings | 2.69 B | 9.33 B |
| Annual Yield | 0.05 % |
X Financial Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as XYF . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
About X Financial Buy or Sell Advice
When is the right time to buy or sell X Financial Class? Buying financial instruments such as XYF Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
Use Investing Ideas to Build Portfolios
In addition to having X Financial in your portfolios, you can quickly add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your investment opportunity, you can then find an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility.Did You Try This Idea?
Run Insurance Providers Thematic Idea Now
Insurance Providers
Companies providing all types of insurance and insurance services. The Insurance Providers theme has 48 constituents at this time.
You can either use a buy-and-hold strategy to lock in the entire theme or actively trade it to take advantage of the short-term price volatility of individual constituents. Macroaxis can help you discover thousands of investment opportunities in different asset classes. In addition, you can partner with us for reliable portfolio optimization as you plan to utilize Insurance Providers Theme or any other thematic opportunities.
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Check out X Financial Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. You can also try the Portfolio Center module to all portfolio management and optimization tools to improve performance of your portfolios.
Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of X Financial. If investors know XYF will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about X Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.104 | Earnings Share 3.87 | Revenue Per Share 106.508 | Quarterly Revenue Growth 0.125 | Return On Assets 0.0915 |
The market value of X Financial Class is measured differently than its book value, which is the value of XYF that is recorded on the company's balance sheet. Investors also form their own opinion of X Financial's value that differs from its market value or its book value, called intrinsic value, which is X Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because X Financial's market value can be influenced by many factors that don't directly affect X Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between X Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if X Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, X Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.