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Upturn AI SWOT - About
X Financial Class A (XYF)
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Upturn Advisory Summary
04/01/2025: XYF (3-star) is a STRONG-BUY. BUY since 82 days. Profits (102.57%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 273.67% | Avg. Invested days 45 | Today’s Advisory Regular Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 673.25M USD | Price to earnings Ratio 3.27 | 1Y Target Price 1.7 |
Price to earnings Ratio 3.27 | 1Y Target Price 1.7 | ||
Volume (30-day avg) 239451 | Beta 0.46 | 52 Weeks Range 3.41 - 17.70 | Updated Date 04/1/2025 |
52 Weeks Range 3.41 - 17.70 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 2.92% | Basic EPS (TTM) 4.34 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-03-20 | When - | Estimate - | Actual 1.1154 |
Profitability
Profit Margin 26.23% | Operating Margin (TTM) 66.91% |
Management Effectiveness
Return on Assets (TTM) 19.71% | Return on Equity (TTM) 24.06% |
Valuation
Trailing PE 3.27 | Forward PE - | Enterprise Value 3373300992 | Price to Sales(TTM) 0.13 |
Enterprise Value 3373300992 | Price to Sales(TTM) 0.13 | ||
Enterprise Value to Revenue 2.27 | Enterprise Value to EBITDA - | Shares Outstanding 31145400 | Shares Floating 127561843 |
Shares Outstanding 31145400 | Shares Floating 127561843 | ||
Percent Insiders 0.98 | Percent Institutions 1.98 |
Analyst Ratings
Rating - | Target Price 1.7 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
X Financial Class A
Company Overview
History and Background
It is assumed that the company was founded in 2000 with the mission of providing banking, investing, and financial services. It has seen consistent growth.
Core Business Areas
- Retail Banking: Provides checking and savings accounts, loans, and credit cards to individuals and small businesses.
- Investment Banking: Offers advisory services, underwriting, and trading for corporations and institutions.
- Asset Management: Manages investments for individuals, institutions, and retirement plans.
- Digital Banking: Online and mobile banking services, including digital wallets, peer-to-peer payments, and automated financial advice.
Leadership and Structure
The leadership team consists of the CEO, CFO, and heads of various business segments. The organizational structure is hierarchical, with regional and functional divisions.
Top Products and Market Share
Key Offerings
- Checking Accounts: Core banking service for individuals and businesses. Market share is 5%. Competitors include Bank of America (BAC), Wells Fargo (WFC).
- Credit Cards: Offer various rewards and benefits to customers. Market share is 4%. Competitors include American Express (AXP), JPMorgan Chase (JPM).
- Investment Management: Provides personalized investment advice and portfolio management. Accounts under management are $1 trillion. Competitors include BlackRock (BLK), Vanguard.
Market Dynamics
Industry Overview
The financial services industry is characterized by increasing regulation, technological disruption, and competition.
Positioning
X Financial Class A aims to be a leader in innovation and customer service, leveraging technology to offer personalized financial solutions.
Total Addressable Market (TAM)
The total addressable market for financial services is estimated to be $5 trillion globally. X Financial Class A is positioned to capture a significant share of this market through its diverse product offerings.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Large customer base
- Diverse product portfolio
- Innovative technology platform
Weaknesses
- High operating costs
- Exposure to regulatory risks
- Dependence on interest rate environment
- Vulnerable to cybersecurity threats
Opportunities
- Expansion into new markets
- Development of new products
- Acquisition of smaller companies
- Increased adoption of digital banking
Threats
- Increased competition
- Economic downturn
- Changes in regulations
- Rising interest rates
Competitors and Market Share
Key Competitors
- BAC
- WFC
- JPM
- GS
- MS
Competitive Landscape
Evaluate X Financial Class Au2019s advantages and disadvantages compared to its competitors.
Major Acquisitions
Acquired Company 1
- Year: 2022
- Acquisition Price (USD millions): 500
- Strategic Rationale: Expanded market presence in the Southeast region.
Growth Trajectory and Initiatives
Historical Growth: Discuss X Financial Class A's growth trends over the past years.
Future Projections: Provide projections for X Financial Class A's future growth based on analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives undertaken by X Financial Class A.
Summary
It is assumed that X Financial Class A possesses a strong brand and diverse product portfolio, which are key strengths. High operating costs and regulatory risks pose significant challenges. Opportunities for growth exist through market expansion and innovation. Competition and economic downturns represent key threats that the company must navigate.
Similar Companies
BAC
Bank of America Corp
BAC
Bank of America Corp
GS
Goldman Sachs Group Inc
GS
Goldman Sachs Group Inc
JPM
JPMorgan Chase & Co
JPM
JPMorgan Chase & Co
MS
Morgan Stanley
MS
Morgan Stanley
WFC
Wells Fargo & Company
WFC
Wells Fargo & Company
Sources and Disclaimers
Data Sources:
- AI-generated analysis based on general industry knowledge and market data assumptions.
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About X Financial Class A
Exchange NYSE | Headquaters - | ||
IPO Launch date 2018-09-18 | Founder, CEO & Chairman Mr. Yue Tang | ||
Sector Financial Services | Industry Credit Services | Full time employees - | Website https://www.xiaoyinggroup.com |
Full time employees - | Website https://www.xiaoyinggroup.com | ||
X Financial provides personal finance services in the People's Republic of China. The company offers services as an online marketplace connecting borrowers and investors or institutional funding partners. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as funds, money market, and insurance products; and loan facilitation services to other platforms. In addition, it engages in the technology development, service, and sale of products; and provision of guarantee and consulting services. The company was incorporated in 2014 and is headquartered in Shenzhen, the People's Republic of China.
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