X Financial ADR (XYF) — Titan Protect Analysis

XYF

X Financial ADR

Financial · ·

$4.71

Data: 2026-06-03

✗ ETHICAL FAIL

NONE MOAT

LIMITED

Data Confidence: 0.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$189M

Total market value of the company

Trailing P/E

1.30

Very cheap relative to earnings

Forward P/E

13.30

Based on estimated future earnings — lower means cheaper

Rev Growth

-14.1%

Year-over-year revenue change

Profit Margin

19.2%

How much profit the company keeps from each dollar of revenue

ROE

19.8%

Return on equity — how efficiently it uses shareholder money

Analyst Target

N/A

Recommendation

NONE

Consensus view from ? analysts covering this stock

About X Financial ADR

X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. The company offers Xiaoying credit loans, which are online personal credit loan products comprising Xiaoying card loans and other unsecured loan products; and Xiaoying housing loans, a secured home equity loan product. It also provides guarantee, consulting, e-commerce, and microcredit services. In addition, the company engages in the technology development and service,

https://ir.xiaoyinggroup.com

Country: China Employees: 643 Industry: Credit Services

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% PENDING

Debt must be below 33% of total assets

Cash Ratio

0.0% PENDING

Interest-bearing cash below 33% of assets

Receivables

0.0% PENDING

Receivables below 49% of assets

Revenue Purity

0.0% PENDING

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

DISTRIBUTION

Smart money appears to be selling into strength — caution

Sharpe Ratio

0.522

Good returns relative to risk taken

Kelly Fraction

0.0171

Marginal edge — very small allocation suggested

Calmar Ratio

0.155

Drawdown risk outweighs the returns — higher risk profile

Annual Return

12.9%

Historical annualised return based on price data

Max Drawdown

-83.0%

Largest peak-to-trough decline — the worst it has been

HMM State

BEAR

Statistical model detects bearish conditions

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.51

Less volatile than the market — more defensive

52W High

$20.36

77% below the year high

52W Low

$3.30

43% above the year low

Avg Volume

159,038

Average daily shares traded — higher means easier to buy and sell

Short Ratio

1.5

Days it would take all short sellers to cover — higher means more crowded

Short % Float

N/A

Div Yield

1,141.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$3.79

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

5.81

Heavy leverage — higher financial risk if revenues decline

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

69.1%

Revenue left after cost of goods — higher means pricing power

Operating Margin

43.9%

Profit from core operations before interest and tax

Free Cash Flow

$1.4B

Positive — the business generates more cash than it spends

Revenue (TTM)

$7.6B

Total revenue over the last 12 months

Net Income

$1.5B

Profitable — the bottom line is positive

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-06-03

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