X Financial(XYF)Stock Analysis
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Not in ranked universe
Limited institutional coverage
Quality rankings require at least 50 unique 13-F institutional holders to ensure peer comparisons are meaningful. Only 26 institutional filers currently hold this stock.
Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.
XYF Stock Analysis & AI Quality Score
AI stock analysis and institutional research for X Financial (XYF), a Financials sector company. XYF is not currently included in 13F Pro's AI-ranked quality universe — quality rankings require at least 50 unique 13-f institutional holders to ensure peer comparisons are meaningful. only 26 institutional filers currently hold this stock. Based on the latest XBRL financial filings (FY 2025), X Financial reports quarterly revenue of $1.1B, net income of $209.4M, free cash flow of $206.7M. Top institutional holders of XYF by reported 13-F value include TWO SIGMA INVESTMENTS,, Qube Research & Technologies Ltd, O'SHAUGHNESSY ASSET MANAGEMENT,, based on the most recent SEC filings. XYF trades on the NYSE exchange and files with the SEC under CIK 1725033. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate XYF daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for X Financial directly from SEC EDGAR.
Revenue
FY 2025
$1.1B
Net Income
FY 2025
$209.4M
Free Cash Flow
FY 2025
$206.7M
AI Insight: XYF Financial Trends
Data is too sparse to assess profitability trends — only balance-sheet figures available across eight annual periods.
• Equity has grown from $5,847M in Q4 2023 to $7,837M in Q4 2025, a ~34% increase over two years.
• Total debt declined from $565M in Q4 2023 to $328M in Q4 2024, then edged back up to $410M in Q4 2025.
⚠ No revenue, net income, or operating cash flow data available; profitability and cash generation trends cannot be assessed.
⚠ Debt uptick from $328M to $410M in Q4 2025 warrants monitoring alongside the equity build.
AI Insight: XYF Ratio Trends
Only D/E ratio available — data too sparse to assess profitability, returns, or margin trends for XYF.
• D/E peaked at 0.27 in Q4 2021, then fell sharply to 0.01 in Q4 2022 and has since stabilized around 0.05.
• D/E held steady at 0.05 in both Q4 2024 and Q4 2025, matching the TTM figure — leverage appears stable.
⚠ No OpMargin, NPM, ROE, ROA, or ROIC data available — profitability and returns trends cannot be assessed.
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Available Research
13F Pro tracks comprehensive data for X Financial including:
Top Institutional Holders of XYF
TWO SIGMA INVESTMENTS, LP
$706.6K171,510 shQube Research & Technologies Ltd
$694.8K168,631 shO'SHAUGHNESSY ASSET MANAGEMENT, LLC
$542.5K131,684 shTrexquant Investment LP
$466.5K113,223 shMORGAN STANLEY
$430.3K104,433 shRENAISSANCE TECHNOLOGIES LLC
$350.4K85,041 shUBS Group AG
$181.5K44,057 shSTATE STREET CORP
$95.7K23,233 shQuadrature Capital Ltd
$82.6K20,043 shJANE STREET GROUP, LLC
$59.9K14,538 sh
| Fund | Value | Shares |
|---|---|---|
| TWO SIGMA INVESTMENTS, LP | $706.6K | 171,510 |
| Qube Research & Technologies Ltd | $694.8K | 168,631 |
| O'SHAUGHNESSY ASSET MANAGEMENT, LLC | $542.5K | 131,684 |
| Trexquant Investment LP | $466.5K | 113,223 |
| MORGAN STANLEY | $430.3K | 104,433 |
| RENAISSANCE TECHNOLOGIES LLC | $350.4K | 85,041 |
| UBS Group AG | $181.5K | 44,057 |
| STATE STREET CORP | $95.7K | 23,233 |
| Quadrature Capital Ltd | $82.6K | 20,043 |
| JANE STREET GROUP, LLC | $59.9K | 14,538 |
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Popular Research
Is XYF a good stock to buy?
13F Pro's AI-powered analysis of X Financial (XYF) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for XYF are available on the XYF stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own XYF?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling XYF. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of X Financial's investment landscape.