Oversold

XYF

ValuationN/A
Cash flow & growthN/A
Upside potentialN/A
Risk potentialN/A

Valuation

The valuation score compares today’s PE with recent history and similar earnings periods. Stronger growth supports a higher valuation; weaker growth lowers it. Earnings that are difficult to compare receive less weight.

Cash flow & growth

The business score reflects revenue and earnings growth, profit margins and free cash flow. Recent results show whether the business is improving or weakening. Measures must fit the business; incomplete or older data receives less weight.

Favorable scenario

Reliable data is insufficient to calculate upside.

This is a scenario based on our model, not a forecast or probability.

Downside scenario

Reliable data is insufficient to calculate downside.

This is a scenario based on our model, not a forecast or probability.

XYF vs Historical averages

MetricCurrentAverageRelative
PE0.5x1.2x62% lower
PE percentile845068% higher
EPS$11.57$13.5114% lower
Loading historical comparisons…

XYF’s earnings are below their historical averages, while its earnings multiple is lower.

XYF Forward outlook

MetricOutlook
Forward valuationStrongly improving
Forward earningsStrong growth
Forward revenueStrong decline
Forward profitabilityStrongly contracting
Analyst coverageLimited
Estimate dispersionTight

XYF’s outlook is mixed, with declining sales expectations a concern.

XYF PE Valuation

Loading pe valuation table…

This table applies XYF's historical price-to-earnings (PE) landmarks to current earnings. The implied prices are valuation scenarios, not price forecasts or targets.

XYF Earnings Per Share

Loading earnings per share…

This chart tracks XYF's trailing twelve-month diluted earnings per share, calculated from four consecutive reported quarters to reduce seasonal noise.

XYF Quarterly Revenue

Loading quarterly revenue…

This chart tracks XYF's quarterly revenue over time and shows how sales are changing from year to year.

XYF Free Cash Flow

Loading free cash flow…

This chart tracks XYF's free cash flow over time, showing whether the business is consistently generating cash after operating costs and capital spending.

XYF Total Shares

Loading shares over time…

This chart tracks changes in XYF's diluted share count. A rising count can dilute existing owners, while a falling count often reflects share repurchases.

XYF Net Leverage

Loading net leverage…

Quarterly Net Leverage uses the last 12 months of EBITDA. A falling multiple generally indicates less debt relative to earnings capacity. Negative values mean net cash; missing data or nonpositive LTM EBITDA are N/A. The table shows each period’s Net Leverage and status.

XYF PE vs Financial Services Sector

Loading pe vs sector average…

This chart compares XYF's price-to-earnings (PE) ratio with the Financial Services sector average. A discount or premium can reflect differences in expected growth, profitability, or risk.

XYF Weekly Price

Loading weekly price…

This chart uses XYF's weekly closing prices to show the longer-term trend. The lower panes show weekly RSI and Stochastic momentum.

XYF Weekly Moving Averages

Loading weekly moving averages…

This chart compares XYF's 8, 20, 50, 100, and 200-week moving averages from 2020 onward. Shorter averages react faster to price changes, while longer averages show the broader trend.

XYF Yearly ROI

Loading yearly ROI…

Each line starts at 0% using the year’s first dependable weekly close and tracks the return through December, or through the latest available week for the current year.