MFIN (61) SVIA (51) USDE (54) RWAY (54) ⌘ Pro Terminal →

X Financial each representing six (Class A) (XYF) — RQD Stock Rating Cockpit

$4.89 +0.83% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $4.89

X Financial each representing six (Class A) (XYF) carries a Roarable Rating of D+ (Sell) with 55/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 55/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.5% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $267.9M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on XYF Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is XYF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, X Financial each representing six (Class A) (NYSE: XYF) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 55/100 at a spot price of $4.89 (+0.83% 1D, market cap $267.9M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 8/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, XYF ranks #568 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does XYF compare to MFIN and SVIA in the Financials sector?

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Within the Financials sector (Finance: Consumer Services), XYF carries a Roarable D+ (55/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 18.8%. By comparison, MFIN (Medallion Financial Corp.) holds a C- grade (61/100 RQD, P/E 6.2x, ROIC 10.5%, cap $268.2M) and SVIA (Silvia Inc.) posts a D grade (51/100 RQD, P/E N/A, ROIC —, cap $267.3M). Among the 5-stock peer group, MFIN leads on earnings multiple (6.2x) while XYF leads on capital efficiency (18.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for XYF?

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Per XYF's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001725033), X Financial each representing six (Class A) generated $1.09B in revenue (+35.8% YoY), $209.4M in net income, and $206.7M in free cash flow against $2.10B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $4.89 (-0.04%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 18.9% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 55/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.5% avg 90D alpha vs SPY • 51.4% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-1.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for XYF)Realized 20D OHLCV Swing Band: ±7.6%

Deterministic 5-Pillar Attribution (55/100 Composite)

🔍 WHY XYF SCORES 55/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+15/20 pts (27% of score)

SEC XBRL FY 2025 (10-K): 18.9% FCF Margin ($206.7M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (24% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning6/20 pts (-14 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-14 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$5.06+0.8% Next Q

Q2 (-2Q)

Grade C$5.10-5.5% Next Q

Q3 (-1Q)

Grade C$4.82+1.5% Next Q

Current

Grade D+$4.89-0.5% Hist 90D α

Trajectory: C+ (63) → D+ (55)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the XYF Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 55/100 (D+) score, XYF faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.52% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($5.14) or 200D SMA ($4.97) invalidates the momentum regime and cuts Target Base ($4.82) toward Bear Floor ($3.76).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $XYF• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “XYF Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 55%NO 45%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

46.730 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE17% OF RANGE

L: $3$4.89H: $13

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: BRQD 15 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: DRQD 19 / 40

3. Hidden Risks & Market Weather● WARNING

SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: D+RQD 21 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on XYF

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (75)

18.8% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BEARISH (45)

19/40 institutional & smart-money positioning score with 8/20 macro alignment.

Bull Case: Why Buyers Like XYF

✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.

Bear Case: What Could Go Wrong

!Sensitive to high interest rates and tighter Federal Reserve market liquidity.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring XYF)

✓Walkthrough of XYF's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

XYF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -2.20%🛡️ HOLDING TREND SUPPORT

2026-11-02O $4.85H $4.89L $4.85C $4.89VOL 20.2K

RES: $6.16SUP: $4.75SMA50: $5.14SMA200: $4.97

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

XYF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 XYF Butterfly Map → + Track XYF →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +35.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on XYF today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for XYF. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for XYF today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (XYF)

Financials Rank #568 of 1096 ⚔️ MFIN vs XYF Full Matrix →

1. Head-to-Head Financials Peer Comparison (XYF vs. MFIN, SVIA, USDE, RWAY)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, X Financial each representing six (Class A) (XYF) ranks #568 by composite RQD confidence (55/100, grade D+) and #838 by equity capitalization ($267.9M). Within this direct 5-issuer industry benchmark cohort, MFIN leads on earnings valuation at 6.2x trailing P/E, while XYF leads on capital efficiency and profitability with 18.8% ROIC and — gross margin. MFIN currently holds the highest overall quantitative score in the immediate peer group at 61/100 (C-) compared with XYF at 55/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
XYF ACTIVE X Financial each representing six (Class A)	D+	55/100	—	—	18.8%	+0.83%	$267.9M	Benchmark Subject
MFIN Medallion Financial Corp.	C-	61/100	6.2x	—	10.5%	+1.39%	$268.2M	/mfin-vs-xyf →
SVIA Silvia Inc.	D	51/100	—	—	—	-4.49%	$267.3M	/svia-vs-xyf →
USDE StablecoinX Inc. (Class A)	D+	54/100	—	—	—	+4.44%	$268.6M	/usde-vs-xyf →
RWAY Runway Growth Finance Corp.	D+	54/100	8.1x	—	7.0%	+1.70%	$276.6M	/rway-vs-xyf →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001725033

In its most recent audited fiscal period (FY2025, filed 2025-12-31), X Financial each representing six (Class A) (XYF) reported GAAP revenue of $1.09B (+35.8% vs. FY2024 revenue of $804.4M , and +61.1% cumulative change since FY2023) , GAAP net income of $209.4M, operating cash flow of $209.9M, and free cash flow of $206.7M (-0.0% YoY). On the balance sheet, XYF closed FY2025 with $2.10B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$1.09B	$209.4M	$209.9M	$206.7M	$2.10B	—
FY2024 (FY)	2024-12-31	$804.4M	$211.0M	$208.7M	$206.8M	$1.62B	—
FY2023 (FY)	2023-12-31	$678.2M	$167.2M	$114.7M	$114.7M	—	—

3. XYF Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is XYF stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does XYF compare to MFIN and SVIA in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for XYF?

Where is XYF trading relative to its 50-day, 200-day, and 52-week technical levels?

XYF last traded at $4.89 (+0.83% on volume of 20,174 shares), positioning the stock -4.86% below its 50-day simple moving average ($5.14) and -1.61% below its 200-day simple moving average ($4.97). Across its 52-week range of $3.30 to $12.85, XYF sits at the 16.6% percentile with a 14-day RSI of 46.7 (NEUTRAL RANGE) and an implied next-earnings move of ±7.6% ($4.52 to $5.26).

XYF Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell XYF stock right now?

X Financial each representing six (Class A) (XYF) currently earns a Roarable Rating of D+ (Sell — SELL) with 55/100 RQD Confidence. Stretched risk/reward at current multiples (19% return on capital) under elevated 10-year interest-rate pressure.

What is XYF's 12-month price target and RQD AI Jury consensus?

XYF's 12-month base price target is $4.82 (range $3.76 to $13.49), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: XYF RQD Cockpit XYF 12M Forecast XYF Earnings & Move XYF Dividends & DRIP XYF Insiders & 13F XYF Whale Options XYF Profit Sankey XYF News & Why