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XYF
Stock ticker: NYSE
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XYF stock forecast, quote, news & analysis

X Financial is a Cayman Islands-based technology-driven personal finance company... Show more

A.I.Advisor
published price charts
XYF
Daily Signal:
Gain/Loss:
A.I.Advisor
a Summary for XYF with price predictions
Oct 16, 2026

XYF in -4.15% downward trend, sliding for three consecutive days on October 14, 2026

Moving lower for three straight days is viewed as a bearish sign. Keep an eye on this stock for future declines. Considering data from situations where XYF declined for three days, in 208 of 273 cases, the price declined further within the following month. The odds of a continued downward trend are 76%.

Price Prediction Chart

Technical Analysis (Indicators)

Bearish Trend Analysis

The Moving Average Convergence Divergence Histogram (MACD) for XYF turned negative on September 30, 2026. This could be a sign that the stock is set to turn lower in the coming weeks. Traders may want to sell the stock or buy put options. Tickeron's A.I.dvisor looked at 48 similar instances when the indicator turned negative. In 35 of the 48 cases the stock turned lower in the days that followed. This puts the odds of success at 73%.

XYF moved below its 50-day moving average on October 12, 2026 date and that indicates a change from an upward trend to a downward trend.

The 10-day moving average for XYF crossed bearishly below the 50-day moving average on October 09, 2026. This indicates that the trend has shifted lower and could be considered a sell signal. In 11 of 17 past instances when the 10-day crossed below the 50-day, the stock continued to move higher over the following month. The odds of a continued downward trend are 65%.

Bullish Trend Analysis

The Stochastic Oscillator demonstrated that the ticker has stayed in the oversold zone for 2 days, which means it's wise to expect a price bounce in the near future.

The Momentum Indicator moved above the 0 level on October 15, 2026. You may want to consider a long position or call options on XYF as a result. In 80 of 107 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 75%.

The 50-day moving average for XYF moved above the 200-day moving average on September 21, 2026. This could be a long-term bullish signal for the stock as the stock shifts to an upward trend.

Following a +6.87% 3-day Advance, the price is estimated to grow further. Considering data from situations where XYF advanced for three days, in 194 of 253 cases, the price rose further within the following month. The odds of a continued upward trend are 77%.

XYF may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.

The Aroon Indicator entered an Uptrend today. In 177 of 213 cases where XYF Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 83%.

Fundamental Analysis (Ratings)

The Tickeron Valuation Rating of 1 (best 1 - 100 worst) indicates that the company is seriously undervalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (0.164) is normal, around the industry mean (3.945). P/E Ratio (2.333) is within average values for comparable stocks, (14.459). Projected Growth (PEG Ratio) (0.370) is also within normal values, averaging (3.918). Dividend Yield (0.109) settles around the average of (0.050) among similar stocks. P/S Ratio (0.223) is also within normal values, averaging (5.901).

The Tickeron PE Growth Rating for this company is 48 (best 1 - 100 worst), pointing to consistent earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.

The Tickeron Price Growth Rating for this company is 54 (best 1 - 100 worst), indicating steady price growth. XYF’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.

The Tickeron SMR rating for this company is 76 (best 1 - 100 worst), indicating weak sales and an unprofitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.

The Tickeron Profit vs. Risk Rating rating for this company is 91 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. XYF’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 78, placing this stock worse than average.

A.I.Advisor
published Dividends

XYF paid dividends on September 28, 2026

X Financial XYF Stock Dividends
А dividend of $0.28 per share was paid with a record date of September 28, 2026, and an ex-dividend date of September 10, 2026. Read more...
A.I.Advisor
published Highlights

Notable companies

The most notable companies in this group are VISA (NYSE:V), Mastercard (NYSE:MA), American Express Company (NYSE:AXP), Capital One Financial (NYSE:COF), PayPal Holdings (NASDAQ:PYPL), Synchrony Financial (NYSE:SYF), SLM Corp (NASDAQ:SLM), Bread Financial Holdings (NYSE:BFH), LexinFintech Holdings Ltd (NASDAQ:LX).

Industry description

A savings bank primary function is to take deposits and paying interest on those deposits. Originating in Europe during the 18th century, these banks were generally introduced to incentivize people of all stripes to save money and park them with banks. By the 1990s, the internet ushered in online savings banks that allowed savers to deposit/transact with banks digitally, without requiring to visit a branch office. Savings banks have potentially encouraged lower-income population to save and have access to a financial institution to earn interest on their money. New York Community Bancorp, Inc, Webster Financial Corporation, Washington Federal, Inc. are examples of savings banks.

Market Cap

The average market capitalization across the Savings Banks Industry is 32.88B. The market cap for tickers in the group ranges from 1.59M to 690.38B. V holds the highest valuation in this group at 690.38B. The lowest valued company is DXF at 1.59M.

High and low price notable news

The average weekly price growth across all stocks in the Savings Banks Industry was -3%. For the same Industry, the average monthly price growth was -5%, and the average quarterly price growth was -9%. MA experienced the highest price growth at 5%, while YRD experienced the biggest fall at -25%.

Volume

The average weekly volume growth across all stocks in the Savings Banks Industry was 35%. For the same stocks of the Industry, the average monthly volume growth was -4% and the average quarterly volume growth was -48%

Fundamental Analysis Ratings

The average fundamental analysis ratings, where 1 is best and 100 is worst, are as follows

Valuation Rating: 50
P/E Growth Rating: 62
Price Growth Rating: 60
SMR Rating: 46
Profit Risk Rating: 77
Seasonality Score: 18 (-100 ... +100)
XYF in -4.15% downward trend, sliding for three consecutive days on October 14, 2026