5 Undervalued Consumer Finance Stocks for Wednesday, August 12
Discover the top 5 undervalued Consumer Finance stocks for Wednesday, August 12 based on AAII’s Stock Grades.Jenna Brashear
A+ Stock Grade Summary:
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COMPANY SUMMARY
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, as well as the sale of products. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.
Commentary & Analysis
Why X Financial’s (XYF) Stock Is Down 9.45%
As of Thursday, May 28, X Financial’s XYF share price has dipped by 9.45%, which has investors questioning if this is right time to buy.Michael Rose
Why X Financial’s (XYF) Stock Is Up 13.80%
As of Wednesday, May 27, X Financial’s XYF share price has surged by 13.80%, which has investors questioning if this is right time to sell.Jenna Brashear
Why X Financial’s (XYF) Stock Is Up 9.50%
As of Wednesday, May 27, X Financial’s XYF share price has surged by 9.50%, which has investors questioning if this is right time to sell.Michael Rose
Why X Financial’s (XYF) Stock Is Down 6.79%
As of Friday, May 22, X Financial’s XYF share price has dipped by 6.79%, which has investors questioning if this is right time to buy.Rosalio Madrigal
Financial Summary
| Share Statistics | XYF | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $207.6 | $1,204.7 | 27% |
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| Shares Out (Mil) | 5.7 | 36.6 | 15% |
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| Institutional Ownership | 4.2% | 79.1% | 4% |
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| Float (Mil) | 14.2 | 32.9 | 24% |
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| Beta | 0.36 | 1.02 | 21% |
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| Avg Daily Volume (000s) | 49 | 425 | 28% |
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| Price Change (52-week) |
(57.8%) | 81.2% | 12% |
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| Growth | XYF | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 26.6% | 8.6% | 87% |
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| Net Income (5yr) | 24.9% | 14.1% | 80% |
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| EPS (5yr) | 27.3% | 15.9% | 78 |
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| Dividends (5yr) | 0.0% | 0.0% | 71% |
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| Cash Flow (5yr) | 51.4% | (2.8%) | 94% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | XYF | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $997 | $1,268 | 50% |
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| Net Income (TTM) (Mil) | $151 | $154 | 65% |
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| EPS (TTM) | $3.794 | $1.700 | 82% |
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| Operating Cash Flow (TTM) (Mil) | na | $247 | na |
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| Net Cash Flow (TTM) (Mil) | na | $2 | na |
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| Long-Term Debt (Q1) (Mil) | $5 | $963 | 24% |
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| Enterprise Value (Q1) (Mil) | $98 | $1,294 | 22% |
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| Valuation | XYF | Industry Median |
Percentile (All Stocks) |
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| P/B | 0.19 | 1.35 | 3% |
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| P/E | 1.4 | 10.1 | 1% |
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| Dividend Yield | 10.4% | 0.0% | 98% |
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| PEG (5yr hist) | 0.1 | 0.6 | 1% |
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| Ratios | XYF | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | 65.7% | 75.8% | 77% |
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| Net Margin | 15.2% | 14.2% | 73% |
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| ROA | 8.4% | 2.8% | 84% |
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| ROE | 14.6% | 14.4% | 70% |
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| Liabilities to Assets | 42.9% | 78.5% | 34% |
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| F-Score | 4 | 5 | 33% |
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X Financial did not pass any screens on 8/21/2026.
