Stock Ratings / Financials / XYF / financials

MFIN (57) SVIA (46) USDE (57) RWAY (64) ⌘ Pro Terminal →

X Financial each representing six (Class A) (XYF) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$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 C+ (Hold) with 67/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $267.9M

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

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 67/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.6% avg 90D alpha vs SPY • 56.4% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

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 C · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+4.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for XYF)Realized 20D OHLCV Swing Band: ±8.1%

Deterministic 5-Pillar Attribution (67/100 Composite)

🔍 WHY XYF SCORES 67/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+15/20 pts (22% of score)

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

▲ #2 Bullish Driver: Macro Regime Fit+15/20 pts (22% of score)

FRED Regime × Technicals: 17% of 52W Range • RSI-14 at 41 (NEUTRAL RANGE)

▼ #1 Drag / Risk Factor: Whale & Options Positioning11/20 pts (-9 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)

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

Q1 (-3Q)

Grade B+$5.15-3.3% Next Q

Q2 (-2Q)

Grade B$4.98-3.2% Next Q

Q3 (-1Q)

Grade B$4.82+1.5% Next Q

Current

Grade C+$4.89+1.6% Hist 90D α

Trajectory: B+ (75) → C+ (67)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 67/100 (C+) 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

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ 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 ($5.15) or 200D SMA ($4.98) invalidates the momentum regime and cuts Target Base ($5.09) toward Bear Floor ($3.97).

🎲 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 67%NO 33%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How XYF Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$206.7M (18.9% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $678.2M

FY24

Rev $804.4M

FY25

Rev $1.09B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$1.09B	52%	21.3%	$209.4M	$206.7M	18.8%
FY 2024	$804.4M	52%	31.9%	$211.0M	$206.8M	24.8%
FY 2023	$678.2M	52%	29.9%	$167.2M	$114.7M	18.8%

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

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

XYF // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +3.60%🛡️ HOLDING TREND SUPPORT

2026-10-30O $4.81H $4.89L $4.75C $4.89VOL 38.2K

RES: $6.15SUP: $4.75SMA50: $5.15SMA200: $4.98

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 #260 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 #260 by composite RQD confidence (67/100, grade C+) 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. XYF currently leads its immediate peer cohort in composite quantitative strength at 67/100 (C+).

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)	C+	67/100	—	—	18.8%	+0.83%	$267.9M	Benchmark Subject
MFIN Medallion Financial Corp.	D+	57/100	6.2x	—	10.5%	+1.39%	$268.2M	/mfin-vs-xyf →
SVIA Silvia Inc.	D	46/100	—	—	—	-4.49%	$267.3M	/svia-vs-xyf →
USDE StablecoinX Inc. (Class A)	D+	57/100	—	—	—	+4.44%	$268.6M	/usde-vs-xyf →
RWAY Runway Growth Finance Corp.	C	64/100	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?

As of 2026-11-01, X Financial each representing six (Class A) (NYSE: XYF) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 67/100 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 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, XYF ranks #260 in composite RQD confidence.

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

Within the Financials sector (Finance: Consumer Services), XYF carries a Roarable C+ (67/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 18.8%. By comparison, MFIN (Medallion Financial Corp.) holds a D+ grade (57/100 RQD, P/E 6.2x, ROIC 10.5%, cap $268.2M) and SVIA (Silvia Inc.) posts a D grade (46/100 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).

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

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: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

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 -5.05% below its 50-day simple moving average ($5.15) and -1.81% below its 200-day simple moving average ($4.98). Across its 52-week range of $3.30 to $12.85, XYF sits at the 16.6% percentile with a 14-day RSI of 41.0 (NEUTRAL RANGE) and an implied next-earnings move of ±8.1% ($4.49 to $5.29).

XYF Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is X Financial each representing six (Class A) (XYF)?

In FY 2025 (10-K), XYF converted $1.1B of revenue into a 52% gross margin, 21.3% operating margin, and $206.7M in free cash flow (18.9% FCF margin).

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