XYF Cuplikan Saham Harga, kapitalisasi pasar, P/E, EPS, ROE, utang/ekuitas, kisaran 52 minggu

03

Harga $4.94

Kapitalisasi Pasar $1.16B

P/E 0.8

EPS $5.87

Pendapatan $7.64B

Imbal Hasil Dividen 13.4%

ROE 19.8%

D/E Utang/Ekuitas 0.1

Rentang 52M $3–$15

XYF Grafik Harga Saham OHLCV harian dengan indikator teknis — geser, perbesar, dan sesuaikan tampilan Anda

04

rentang

batang

Granularitas batang menyesuaikan dengan periode yang dipilih — arahkan kursor ke bagan untuk melihat buka/tinggi/rendah/tutup untuk sebuah batang.

Pemecahan saham 1

Tanggal ex-dividen	Pemecahan	Tipe
19 Nov. 2020	1-for-3	Terbalik

Kinerja 10 Tahun Tren Pendapatan, laba bersih, margin, dan EPS

06

Pendapatan$7.64B

2016-12-31 → 2025-12-31

EPS$5.87

2016-12-31 → 2025-12-31

Arus Kas Bebas$1.45B

2018-12-31 → 2025-12-31

Margin bersih19.2%

2018-12-31 → 2025-12-31

Valuasi & Rasio 07–12

Valuasi Rasio P/E, P/S, P/B, EV/EBITDA — apakah sahamnya mahal atau murah?

Metrik	XYF	rata-rata 5T	Median Rekan	Kesimpulan
P/E	0.8rata-rata 5T ≈1.2	≈1.2	·	·
P/S	0.2rata-rata 5T ≈0.3	≈0.3	·	·
P/B	0.1rata-rata 5T ≈0.2	≈0.2	·	·
EV / EBITDA	0.4rata-rata 5T ≈0.5	≈0.5	·	·
Price / FCF (Harga / FCF)	0.8rata-rata 5T ≈1.7	≈1.7	·	·
Price / Cash Flow (Harga / Arus Kas)	0.8rata-rata 5T ≈1.7	≈1.7	·	·
EV / Revenue (EV / Pendapatan)	0.1rata-rata 5T ≈0.1	≈0.1	·	·
EV / FCF	0.4rata-rata 5T ≈0.9	≈0.9	·	·
Price / Tangible Book (Harga / Nilai Buku Berwujud)	0.1rata-rata 5T ≈0.2	≈0.2	·	·

Median rekan dihitung berdasarkan basis standar per metrik dan mungkin tidak selalu cocok dengan basis TTM/MRQ yang ditampilkan untuk saham ini.

Profitabilitas Margin kotor, operasional, dan bersih; ROE, ROA, ROIC

Metrik	XYF	rata-rata 5T	Median Rekan	Kesimpulan
Operating Margin (Margin Operasi)	21.3%rata-rata 5T ≈29.9%	≈29.9%	·	·
EBITDA Margin (Margin EBITDA)	21.5%rata-rata 5T ≈30.1%	≈30.1%	·	·
Pretax Margin (Margin Sebelum Pajak)	22.9%rata-rata 5T ≈30.3%	≈30.3%	·	·
Net Profit Margin (Margin Laba Bersih)	19.2%rata-rata 5T ≈23.1%	≈23.1%	·	·
ROA	11.1%rata-rata 5T ≈11.4%	≈11.4%	·	·
ROE	19.8%rata-rata 5T ≈21.7%	≈21.7%	·	·
ROIC	16.5%rata-rata 5T ≈18.5%	≈18.5%	·	·

Kesehatan Keuangan Utang, likuiditas, solvabilitas — kekuatan neraca

Metrik	Tren 5 Tahun	XYF	rata-rata 5T	Median Rekan	Kesimpulan
Debt / Equity (Utang / Ekuitas)		0.1rata-rata 5T ≈0.1	≈0.1	·	·

Metrik Per Saham EPS, nilai buku per saham, arus kas per saham, dividen per saham

Metrik	XYF	rata-rata 5T	Median Rekan	Kesimpulan
EPS (Diluted)	$5.87rata-rata 5T ≈$4.03	≈$4.03	·	·
Revenue / Share (Pendapatan / Saham)	$30.62rata-rata 5T ≈$17.80	≈$17.80	·	·
Cash Flow / Share (Arus Kas / Saham)	$5.88rata-rata 5T ≈$3.24	≈$3.24	·	·
Cash / Share (Kas / Saham)	$4.21rata-rata 5T ≈$3.22	≈$3.22	·	·

Efisiensi Modal Perputaran aset, perputaran persediaan, perputaran piutang

Metrik	Tren 5 Tahun	XYF	rata-rata 5T	Median Rekan	Kesimpulan
Asset Turnover (Perputaran Aset)		0.6rata-rata 5T ≈0.5	≈0.5	·	·
Revenue / Employee (Pendapatan Tahunan ÷ karyawan (jumlah karyawan, yfinance). Turunan — bukan konsep SEC-XBRL yang tersimpan.)		≈$11.9M	·	·	·

nilai · ≈ rata-rata 5T · median industri · penilaian relatif terhadap median

Dividen Yield, rasio pembayaran, riwayat dividen, CAGR 5 tahun

13

Imbal Hasil Dividen13.4%

Rasio Pembayaran Dividen10.6%

Pembayaran Tahunan≈$0.28Dibayar tahunan

Rentetan Pertumbuhan≈1Tahun berturut-turut pertumbuhan dividen

Tanggal ex-dividen	Jumlah	Mata Uang	Imbal Hasil
Sep 10, 2026	$0,28	USD	≈10.8%
Apr 30, 2026	$0,28	USD	≈5.9%
Jun 20, 2025	$0,25	USD	≈1.5%
Sep 4, 2024	$0,17	USD	≈7.3%
Mei 9, 2024	$0,17	USD	≈8.7%
Sep 18, 2023	$0,17	USD	≈4.1%
Apr 4, 2019	$0,30	USD	≈1.8%

Riwayat Pendapatan EPS aktual vs perkiraan, kejutan %, tingkat keberhasilan, tanggal pendapatan berikutnya

14

Kejutan Rata-rata -64.8%

Laporan Berikutnya Nov 12, 2026

Periode	EPS Aktual	EPS Estimasi	Kejutan
31 Maret 2020	$-0.42	$0.29	-246.7%
31 Des. 2019	$0.30	$0.34	-11.1%
30 Sep. 2019	$0.45	$0.71	-36.3%
30 Juni 2019	$0.93	$0.69	35.1%

Fundamental Lengkap Semua metrik per tahun — laporan laba rugi, neraca, arus kas

15

Laporan Laba Rugi 15

Metrik	2025	2024	2023	2022	2021	2020	2019	2018	2017
Revenue	$7.64B	$5.87B	$4.81B	$3.56B	$3.63B	$2.19B	$3.09B	$3.54B	$1.79B
Cost of Revenue	$2.02B	$1.74B	$1.54B	$1.34B	$1.96B	$2.07B	$1.63B	$1.19B	$760M
SG&A Expense	$200M	$176M	$154M	$143M	$188M	$179M	$227M	$220M	$98M
Operating Expenses	$6.01B	$4.00B	$3.35B	$2.35B	$2.32B	$3.62B	$2.28B	$2.27B	$1.29B
Operating Income	$1.63B	$1.87B	$1.46B	$1.21B	$1.31B	$-1.43B	$813M	$1.28B	$502M
Interest Income	$62.0K	$10.4K	·	·	·	·	·	·	·
Other Non-op	$132M	$14M	$24M	$41M	$33M	$13M	$26M	$-6M	$89.7K
Pretax Income	$1.75B	$1.89B	$1.47B	$1.22B	$1.19B	$-1.60B	$664M	$1.08B	$479M
Income Tax	$292M	$406M	$261M	$396M	$369M	$-300M	$-93M	$-210M	$138M
Net Income	$1.46B	$1.54B	$1.19B	$812M	$825M	$-1.31B	$774M	$883M	$340M
EPS (Basic)	$6.00	$5.33	$4.12	$2.57	$2.51	$-4.07	$2.47	$3.08	$1.30
EPS (Diluted)	$5.87	$5.25	$4.08	$2.52	$2.45	$-4.07	$2.42	$2.91	$1.22
Shares (Basic)	243,975,946	288,828,371	288,115,969	316,444,826	329,230,273	321,236,089	313,757,887	286,588,402	261,219,657
Shares (Diluted)	249,489,203	293,354,671	290,833,214	322,403,387	336,881,082	321,236,089	319,747,392	303,984,284	279,710,804
EBITDA	$1.64B	$1.88B	$1.44B	$1.09B	$1.32B	$-1.42B	$824M	$1.28B	·

Neraca 23

Metrik	2025	2024	2023	2022	2021	2020	2019	2018	2017
Cash & Equivalents	$988M	$985M	$1.20B	$602M	$585M	$746M	$1.01B	$1.07B	$671M
Short-term Investments	·	·	·	·	·	$6M	·	·	·
Prepaid Expense	$44M	$34M	$49M	$71M	$213M	$404M	$707M	$115M	$82M
Other Current Assets	$8M	$5M	$16M	$11M	$7M	$11M	$45M	$25M	·
PP&E (Net)	$24M	$16M	$9M	$6M	$6M	$11M	$20M	$23M	$21M
PP&E (Gross)	$74M	$61M	$51M	$50M	$46M	$48M	$47M	$40M	$29M
Accum. Depreciation	$50M	$46M	$42M	$44M	$40M	$37M	$27M	$17M	$8M
Intangibles	$39M	$37M	$37M	$37M	$37M	$37M	$35M	$28M	$2M
Other Non-current Assets	$53M	$45M	$55M	$67M	$31M	$51M	$69M	$7M	$4M
Total Assets	$14.67B	$11.82B	$11.65B	$8.84B	$7.34B	$7.50B	$8.28B	$4.64B	$3.89B
Short-term Debt	$410M	$328M	$565M	$50M	$166M	$351M	·	·	·
Deferred Tax	$70M	$66M	$30M	$721.7K	·	·	$1M	$47M	·
Other Non-current Liabilities	$35M	$28M	$38M	$51M	$12M	$28M	$42M	·	·
Total Liabilities	$6.83B	$4.87B	$5.80B	$4.08B	$3.37B	$4.42B	$3.91B	$1.12B	$2.12B
Total Debt	$410M	$328M	$565M	$70M	$166M	$351M	·	·	·
Common Stock	$206.8K	$206.8K	$206.8K	$206.8K	$206.8K	$202.9K	$201.2K	$189.6K	$173.4K
Paid-in Capital	$3.26B	$3.21B	$3.20B	$3.19B	$3.16B	$3.07B	$2.99B	$2.82B	$1.97B
Retained Earnings	$5.48B	$4.17B	$2.69B	$1.62B	$811M	$-15M	$1.31B	$640M	$-243M
Treasury Stock	$968M	$510M	$112M	$125M	·	·	·	·	·
AOCI	$64M	$81M	$69M	$64M	$6M	$21M	$67M	$52M	$33M
Stockholders' Equity	$7.84B	$6.95B	$5.85B	$4.75B	$3.98B	$3.07B	$4.37B	$3.52B	$1.76B
Liabilities + Equity	$14.67B	$11.82B	$11.65B	$8.84B	$7.34B	$7.50B	$8.28B	$4.64B	$3.89B
Shares Outstanding	234,517,901	250,678,439	293,553,607	287,918,569	329,117,943	323,117,943	320,667,943	303,614,298	280,087,342

Arus Kas 15

Metrik	2025	2024	2023	2022	2021	2020	2019	2018	2017
D&A	$11M	$7M	$5M	$7M	$8M	$12M	$11M	$10M	$5M
Stock-based Comp	$61M	$40M	$43M	$54M	$88M	$80M	$157M	$172M	$74M
Deferred Tax	$-258M	$-27M	$-18M	$202M	$333M	$-143M	$-165M	$-3M	$-257M
Amort. of Intangibles	$2M	$2M	$2M	$2M	$2M	$2M	$834.9K	$389.8K	$678.7K
Other Non-cash	$189M	$-37M	$-391M	$-745M	$-806M	$680M	$-177M	$-1.06B	·
Operating Cash Flow	$1.47B	$1.52B	$1.39B	$627M	$449M	$-679M	$601M	$5M	$-615M
CapEx	$22M	$14M	$8M	$6M	$3M	$5M	$15M	$39M	$21M
Investing Cash Flow	$-1.07B	$122M	$-1.68B	$-1.22B	$-2.35B	$-3.70B	$-3.08B	$413M	$-11M
Stock Repurchased	$734M	$182M	$25M	$147M	$0	·	·	·	·
Net Stock Activity	$-734M	$-182M	$-25M	$-147M	·	·	·	·	·
Dividends Paid	$155M	$117M	$58M	$0	$0	·	$103M	·	·
Financing Cash Flow	$79M	$-1.94B	$1.23B	$576M	$1.30B	$4.49B	$2.71B	$182M	$830M
Net Change in Cash	$472M	$-283M	$938M	$15M	$-606M	$78M	$243M	$594M	$179M
Taxes Paid	$333M	$289M	$102M	$37M	$31M	$108M	$43M	$302M	$147.8K
Free Cash Flow	$1.45B	$1.51B	$806M	$317M	$447M	$-685M	$585M	$-33M	·

Profitabilitas 7

Metrik	2025	2024	2023	2022	2021	2020	2019	2018	2017
Operating Margin	21.3%	31.9%	29.9%	30.4%	36.1%	-65.2%	26.3%	36.0%	·
Net Margin	19.2%	26.2%	24.6%	22.8%	22.8%	-59.7%	25.1%	24.9%	·
Pretax Margin	22.9%	32.3%	29.1%	34.3%	32.8%	-73.0%	21.5%	30.6%	·
EBITDA Margin	21.5%	32.0%	30.0%	30.6%	36.4%	-64.7%	26.7%	36.3%	·
ROA	11.1%	13.1%	11.6%	10.0%	11.1%	-16.6%	12.0%	20.7%	·
ROE	19.8%	24.1%	22.4%	18.6%	23.4%	-35.2%	19.6%	33.5%	·
ROIC	16.5%	20.2%	18.4%	15.3%	21.8%	-49.6%	21.2%	29.2%	·

Likuiditas & Solvabilitas 1

Metrik	Tren	2025	2024	2023	2022	2021	2020	2019	2018	2017
Debt / Equity		0.1	0.0	0.1	0.0	0.0	0.1	·	·	·

Efisiensi 1

Metrik	Tren	2025	2024	2023	2022	2021	2020	2019	2018	2017
Asset Turnover		0.6	0.5	0.5	0.4	0.5	0.3	0.5	0.8	·

Per Saham 6

Metrik	2025	2024	2023	2022	2021	2020	2019	2018	2017
Book Value / Share	$33.42	$27.74	$19.92	$16.51	$12.08	$9.52	$13.61	$11.58	·
Revenue / Share	$30.62	$20.02	$16.56	$11.05	$10.76	$6.83	$9.66	$11.65	·
Cash Flow / Share	$5.88	$5.19	$2.80	$1.00	$1.33	$-2.11	$1.88	$0.02	·
Cash / Share	$4.21	$3.93	$4.07	$2.09	$1.78	$2.31	$3.14	$3.52	·
Dividend / Share	$0.09	$0.03	$0.06	·	·	·	·	·	·
EPS (TTM)	$5.87	$5.25	$4.08	$2.52	$2.45	$-4.07	$2.42	$2.91	·

Valuasi (TTM) 17

Metrik	2025	2024	2023	2022	2021	2020	2019	2018	2017
Revenue TTM	$7.64B	$5.87B	$4.81B	$3.56B	$3.63B	$2.19B	$3.09B	$3.54B	·
Net Income TTM	$1.46B	$1.54B	$1.19B	$812M	$825M	$-1.31B	$774M	$883M	·
Market Cap	$1.31B	$2.09B	$1.07B	$870M	$991M	$646M	$1.63B	$3.89B	·
Enterprise Value	$735M	$1.43B	$444M	$337M	$572M	$244M	·	·	·
P/E	1.0	1.6	0.9	1.2	1.2	-0.5	2.1	4.4	·
P/S	0.2	0.4	0.2	0.2	0.3	0.3	0.5	1.1	·
P/B	0.2	0.3	0.2	0.2	0.2	0.2	0.4	1.1	·
P / Tangible Book	0.2	0.3	0.2	0.2	0.3	0.2	·	·	·
P / Cash Flow	0.9	1.4	1.3	2.7	2.2	-1.0	2.7	726.4	·
P / FCF	0.9	1.4	1.3	2.7	2.2	-0.9	2.8	-116.9	·
EV / EBITDA	0.4	0.8	0.3	0.3	0.4	-0.2	·	·	·
EV / FCF	0.5	0.9	0.6	1.1	1.3	-0.4	·	·	·
EV / Revenue	0.1	0.2	0.1	0.1	0.2	0.1	·	·	·
Dividend Yield	11.8%	5.6%	5.4%	0.00%	0.00%	·	6.3%	·	·
Earnings Yield	104.8%	63.0%	111.5%	83.4%	81.4%	-203.5%	47.7%	22.7%	·
Payout Ratio	10.6%	7.6%	4.9%	·	·	·	13.3%	·	·
Annual Payout	$155M	$117M	$58M	$0	$0	·	$103M	·	·

Periode terbaru di sebelah kiri · nilai null ditampilkan sebagai ·

Laporan Keuangan Laporan laba rugi, neraca, arus kas — tahunan, 5 tahun terakhir

16

Metrik	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Pendapatan	$7.64B	$5.87B	$4.81B	$3.56B	$3.63B
Margin Operasi %	21.3%	31.9%	29.9%	30.4%	36.1%
Laba Bersih	$1.46B	$1.54B	$1.19B	$812M	$825M
EPS Dilusian	$5.87	$5.25	$4.08	$2.52	$2.45

Metrik	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Utang / Ekuitas	0.1	0.0	0.1	0.0	0.0

Metrik	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Arus Kas Bebas	$1.45B	$1.51B	$806M	$317M	$447M

Pemilik institusional (13F) 24 pengaju · $3.9M total · Per tanggal 30 Juni 2026

17

Institusi yang melaporkan kepemilikan saham ini dalam SEC Form 13F triwulanan mereka. Hanya posisi panjang; satu pengaju dapat muncul dua kali untuk leg opsi terpisah. Kaki put/call offset yang besar biasanya mencerminkan pembuatan pasar atau inventaris yang dilindungi, bukan keyakinan arah.

Pemegang 24

Nilai yang dipegang $3.9M

Posisi baru 4

Posisi yang keluar 10

Aktivitas institusional — Q2 2026 vs kuartal sebelumnya

Posisi baru	Posisi yang keluar	Meningkat	Menurun	Perubahan bersih saham
4 (-1 vs Kuartal sebelumnya)	10 (-8 vs Kuartal sebelumnya)	7 (+2 vs Kuartal sebelumnya)	8 (-7 vs Kuartal sebelumnya)	-424K

Dibandingkan dengan Q1 2026. Pengajuan Formulir 13F SEC jatuh tempo dalam waktu 45 hari setelah akhir kuartal ditambah kelonggaran singkat untuk pengaju terlambat — kuartal yang masih dalam jangka waktu tersebut dilewati demi pasangan terakhir yang dilaporkan sepenuhnya.

Institusi	Nilai	Saham	% dari 13F yang dilacak	Tipe
TWO SIGMA INVESTMENTS, LP	$923.385	190.782	23,62%	Saham
Qube Research & Technologies Ltd	$662.073	136.792	16,94%	Saham
TWO SIGMA ADVISERS, LP	$447.440	79.900	11,45%	Saham
Trexquant Investment LP	$413.230	85.378	10,57%	Saham
CITADEL ADVISORS LLC	$384.049	79.349	9,82%	Saham
O'SHAUGHNESSY ASSET MANAGEMENT, LLC	$302.892	62.581	7,75%	Saham
UBS Group AG	$233.278	48.198	5,97%	Saham
JANE STREET GROUP, LLC	$120.996	24.999	3,10%	Saham
JPMORGAN CHASE & CO	$114.443	22.843	2,93%	Saham
STATE STREET CORP	$104.757	21.644	2,68%	Saham
SmartHarvest Portfolios, LLC	$74.638	15.421	1,91%	Saham
DGS Capital Management, LLC	$42.560	10.330	1,09%	Saham
Police & Firemen's Retirement System of New Jersey	$36.997	7.644	0,95%	Saham
MORGAN STANLEY	$24.740	5.111	0,63%	Saham
WealthCollab, LLC	$11.757	2.429	0,30%	Saham
ROYAL BANK OF CANADA	$4.000	809	0,10%	Saham
Tower Research Capital LLC (TRC)	$3.480	719	0,09%	Saham
CITIGROUP INC	$1.834	379	0,05%	Saham
RHUMBLINE ADVISERS	$924	191	0,02%	Saham
KELLEHER FINANCIAL ADVISORS	$838	173	0,02%	Saham
ACADIAN ASSET MANAGEMENT LLC	$505	105.211	0,01%	Saham
SBI Securities Co., Ltd.	$411	85	0,01%	Saham
GSA CAPITAL PARTNERS LLP	$126	25.966	0,00%	Saham
Smartleaf Asset Management LLC	$10	2	0,00%	Saham

Aktivis & pemilik 5%+ 1 saham

18

Investor yang mengajukan Jadwal 13D SEC — kepemilikan manfaat di atas 5% dengan niat untuk memengaruhi penerbit (kepemilikan aktivis, kampanye dewan, M&A). Setiap baris menunjukkan status terbaru yang diketahui dari posisi pengaju tersebut.

Pengaju	Diajukan	Kepemilikan	Status	Tujuan	Pengajuan
Mangrove Coast Investment Limited, Rhone Trustees (Bahamas) Ltd. as trustee of the Mangrove Coast Trust, Purple Mountain Holding Ltd., Yue (Justin) Tang ×6 pengajuan	31 Maret 2026	49,01%	Amandemen	Investasi pasif	SEC

Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.

Orang dalam perusahaan 3 orang dalam · 0 pejabat · 3 direktur

19

Orang Dalam	Peran	Aktivitas terakhir	Saham dimiliki	Jual 12m	Bersih 12m
Zheng Xue	Direktur	1 Agu 2026 C	499.998	0	$0
Longgen Zhang	Direktur	1 Agu 2026 C	499.998	0	$0
Zheng Wan	Direktur	15 Juni 2026 S	0	2	$-942.300

Orang dalam dari pengajuan SEC Form 3/4/5; bersih = hanya P/S pasar terbuka

XYF Konsensus Analis Opini analis bullish dan bearish, target harga 12 bulan, potensi kenaikan

21

peringkat · 8 analis JUAL

0 0,0% Beli Kuat

0 0,0% Beli

3 37,5% Tahan

4 50,0% Jual

1 12,5% Jual Kuat

Perbandingan rekan (sub-industri GICS) Metrik utama vs rekan sektor

22

Dasar FY, harga per penutupan akhir tahun fiskal terakhir setiap perusahaan.

Ticker	Kapitalisasi Pasar	P/E	Pendapatan YoY	Margin Bersih	ROE	Margin Kotor
XYF	$1.31B	1.0	·	19.2%	19.8%	·
HTT	·	·	·	1729.9%	6.2%	·
LX	·	0.7	·	12.8%	14.8%	34.0%
YRD	$646M	11.9	·	0.95%	0.58%	·
JFIN	·	0.8	·	24.7%	40.6%	·

Metrik Saya Daftar pantauan pribadi Anda — baris yang dipilih dari Fundamental Lengkap

26

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XYF Kelas A X Financial American Depositary Shares, each representing six Class A Ordinary Shares