X Financial · Finance Services

XYF

Low riskNext report: Not enough history

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The short version

A high-quality, profitable business with growing sales. Institutions are trimming.

Going well

Profitable, keeps 19% of sales as profit
Sales up 36% last year
Brings in more cash than it spends

Money moves

No insider buying or selling in the last 30 days
Institutions cut 32% from their holdings in the quarter ending June 2026 (12 bought, 17 sold)

Facts from SEC filings, not a recommendation.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

5/6Strong

PassReturn on equity 15%+Earns a lot on the money owners have in the business.20.2%
PassDebt under half of equityNot relying on borrowed money.No debt reported
PassNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.19.2%
MissProfitable every yearSteady profits, not one good year.7 of 8 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$206.7M
PassShare count not growingNot diluting owners. Falling means buybacks.-22.6% in 3 years

Revenue: $1.1B; +35.8% vs prior year
5-year growth: +26.6%/yr; revenue, per year
Total debt: None; 0.00x equity
Free cash flow: $206.7M; 18.9% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. A checklist is a starting point for research, not a verdict.

Insider rating

Last 90 days

No open-market insider buys or sells in the last 90 days.

Weekly insider trend

No trades to chart yet.

Filing buzz

Last 7 days vs normal

0/ 100

This week: 0
Normal week: 0.2
vs normal: 0.0x

SEC filings of any kind. 50 means a normal week.

Institutional ownership

Distributing-31.7%

Institutions cut 31.7% from their holdings. 12 bought, 17 sold. 2 quarters of net selling in a row.

Shares held by institutions865K

Sep '24Jun '26

Safety check

From SEC filings

Share count growthYearly rate, last 3 years

-6.6%

Cash runwayAt last year's cash burn

Cash flow positive

Debt to equityLatest balance sheet: debt compared with what owners have

No debt reported

Shares outstandingLatest reported

235M

Earnings reports

Last 0

Next reportNot enough history

Flags and big holders

Offerings 6 months, flags 12 months, holders 90 days

No offerings, red flags or new big holders. Clean record.

Insider trades

Open-market buys and sells, last 90 days

No open-market buys or sells in 90 days. Grants and option exercises are left out.

"Owns after" is the insider's holding right after the trade. Pre-planned (10b5-1) sales are set up months ahead, a weaker signal.

Latest filings

Straight from SEC EDGAR

6-KAug 24 · Form 6-K ↗

ConversionZheng XueDirector

90,000 shares

+22% of holdings
Now owns 499,998 shares
Filed 2 days after trade

Aug 1Form 4 ↗

ConversionLonggen ZhangDirector

90,000 shares

+22% of holdings
Now owns 499,998 shares
Filed 2 days after trade

Aug 1Form 4 ↗

SoldZheng WanDirector

180,000 shares at $5.24 avg ($5.18 to $5.29) · $942K

-100% of holdings
Owns no shares after
Not a pre-planned sale
2 transactions
Filed 9 days after trade

Jun 15Form 4/A ↗

6-KJun 17 · Form 6-K ↗Planned insider saleJun 12 · Form 144 ↗

ConversionZheng WanDirector

90,000 shares

+100% of holdings
Now owns 180,000 shares
Filed 1 day after trade

Jun 1Form 4 ↗

6-KMay 27 · Form 6-K ↗New insiderMay 11 · Form 3 ↗New insiderMay 11 · Form 3 ↗New insiderMay 11 · Form 3 ↗New insiderMay 11 · Form 3 ↗5%+ holder update (passive)May 1 · Form SCHEDULE 13G/A ↗20-FApr 30 · Form 20-F ↗5%+ holder update (active)Mar 31 · Form SCHEDULE 13D/A ↗

Source: SEC EDGAR filings. For informational purposes. Not investment advice.

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