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

XNYS
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Stock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership. Iron condor setups Fibonacci levels Insider trading

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XYF — —
Key stats
About
Industry (SIC)
FINANCE SERVICES (6199)
Exchange
XNYS
Market Cap
$0.2B
Employees
643
List Date
2018-09-19
CIK
0001725033
Next Earnings
2026-11-19
Homepage
https://ir.xiaoyinggroup.com

X Financial is a Cayman Islands-based technology-driven personal finance company. Along with its subsidiaries, the firm provides diversified investment opportunities to investors in China through its wealth management platform, Xiaoying Wealth Management. Loan products offered by the company include Xiaoying Card Loan, Xiaoying Preferred Loan, and Xiaoying Housing Loan. The company generates revenue from loan facilitation service, post-origination service, guarantee services provided and financing income.

Summary
—
composite
—
No summary data available for this symbol yet.

Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.

Chart
Seasonality
'21'22'23'24'25'26Avg
Jan8.76%-1.28%28.19%3.45%-4.99%-10.90%3.87%
Feb54.71%-2.70%-22.33%6.22%24.57%-5.14%9.22%
Mar6.59%-12.93%-2.50%-9.18%44.19%-17.43%1.46%
Apr7.89%7.66%20.00%-2.28%-1.55%14.56%7.71%
May28.96%-5.76%-8.72%11.86%40.89%0.00%11.21%
Jun147.45%-0.74%21.61%6.42%-2.13%-1.43%28.53%
Jul-36.66%3.14%13.12%2.03%-20.93%0.92%-6.40%
Aug-37.56%-6.45%-10.60%13.82%7.19%11.98%-3.60%
Sep-18.31%-14.56%-7.05%36.08%-11.57%-7.04%-3.74%
Oct8.21%-31.93%4.96%-13.40%-10.79%0.59%*-7.06%
Nov-12.66%24.99%8.86%15.73%-45.40%---1.70%
Dec-22.62%38.53%-15.47%18.83%-16.04%--0.65%
Total45.90%-18.16%17.40%118.49%-28.99%-16.72%19.65%
Technical Indicators

Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.

Trend Indicators
  • SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
  • EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
  • MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
  • ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
  • +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
  • RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
  • Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
  • Williams %R — inverted scale: <−80 oversold, >−20 overbought.

Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.

Volume & Volatility
  • Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
  • OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
  • Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
  • ATR / True Range — average daily $ move; sizing and stop-loss reference.
  • HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.

Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →

Trend Indicators

SMA 20: $5.10
SMA 50: $5.26
SMA 200: $5.06
Current: $5.15
EMA 12: $5.12
EMA 26: $5.16
MACD: -0.0351 | Signal: 0.0064
BEARISH
ADX (14): 11.00
RANGE
+DI: 13.36
−DI: 13.23

Momentum Oscillators

RSI (14): 49.61
NEUTRAL
Stoch %K: 50.59
Stoch %D: 51.41
Williams %R: -56.17

Volume & Volatility

BB Upper: $5.37
BB Lower: $4.82
NEUTRAL
OBV: -11,220,194
Vol SMA 20: 63,211
Vol ROC: -58.46%
ATR: $0.24
True Range: $0.11
HV 20: 43.2%
HV 30: 42.7%
HV 60: 40.3%

Data Summary

Data Points: 500
Last Updated:
Date Range: 2024-10-11T00:00:00 – 2026-10-09T00:00:00
AI Analysis

LLM Stock Analysis Report

Executive Summary Overall Assessment: NEUTRAL (Confidence Level: 6/10)

Key Drivers:

  • Technical indicators suggest a neutral-to-bullish trend, with momentum oscillators indicating oversold conditions.
  • Recent news headlines are mostly neutral, with no clear catalysts driving significant price movements.

Primary Risks:

  • High volatility and beta above average may amplify market moves.
  • Earnings data unavailable, making it challenging to assess the company's financial performance.

Investment Thesis: XYF is a volatile stock that has been trending sideways. While recent news headlines are neutral, technical indicators suggest oversold conditions, which could lead to a potential bounce. However, high volatility and beta above average make it essential to manage risk effectively.

Recent News Sentiment Impact: The recent news headlines are mostly neutral, with no clear catalysts driving significant price movements. This lack of directional sentiment is consistent with the neutral-to-bullish trend in technical indicators.

Technical Analysis

  • Trend Direction: Neutral (Short-term), Bullish (Medium-term)
  • Support/Resistance Levels:
    • Lower Bollinger Band: $4.98
    • Upper Bollinger Band: $5.79
    • SMA 20: $5.38
    • EMA 12: $5.24
  • Momentum Signals:
    • RSI (14): 36.23 (neutral)
    • MACD: -0.04 / Signal: -0.08 / Histogram: 0.04 (bullish)

News & Sentiment Analysis

  • Recent Headlines Summary: Mostly neutral news headlines with no clear catalysts driving significant price movements.
  • Sentiment Assessment: Neutral
  • Catalyst Identification: None
  • Market Narrative: The market narrative is neutral, with no clear trends or directional sentiment.

Risk & Volatility Assessment

  • Beta Interpretation: Above average volatility (beta > 1.18) and amplification of market moves.
  • Volatility Regime: Current volatility levels are above historical averages.
  • Options Market Signals:
    • IV Rank: N/A
    • Put/Call Ratios: N/A
    • Unusual Activity: None

Market Context & Positioning

  • Sector Performance: No specific sector performance data available, but XYF's beta suggests it may be influenced by broader market trends.
  • Institutional Activity: No specific institutional activity data available.
  • Correlation Analysis: R-squared interpretation indicates XYF moves with the market (0.26).

Key Levels & Action Items

  • Critical Price Levels:
    • Lower Bollinger Band: $4.98
    • Upper Bollinger Band: $5.79
  • Breakout/Breakdown Levels:
    • SMA 20: $5.38
    • EMA 12: $5.24
  • Time-Sensitive Catalysts: None
  • Risk Management: Consider stop-loss levels around the lower Bollinger Band and position sizing considerations based on beta above average.

Conclusion XYF is a volatile stock with a neutral-to-bullish trend, oversold momentum oscillators, and no clear catalysts driving significant price movements. While recent news headlines are mostly neutral, high volatility and beta above average make it essential to manage risk effectively.

Generated

XYF Options Activity & IV Rank

Loading options activity...
Spread Scanner GPU
Full Algorithm Docs ↗

Each spread is ranked by a composite score built in three stages. Full documentation →

Stage 1 — Base Score (GPU scanner)

score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.

Stage 2 — Skew Adjustment (±25% cap)

RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.

Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
  • RSI <40 bullish / >60 bearish
  • MACD crossover + histogram trend
  • Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
  • Stochastic %K <20 / >80
  • Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
  • Blended ATR + straddle expected-move penalty
  • Bollinger Band signal (+ counter-trend penalty)
  • BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
  • IV rank ≥ 75 → strong boost for credit spreads
  • IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
  • Min open interest across all legs
  • OI < 100 → −0.10 · OI < 500 → −0.05

score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →

Enter a ticker to scan for optimal spread opportunities.

Evaluates all bull put, bear call, iron condor, and calendar spread combinations using GPU-accelerated analysis.

Skew (Wing IV − ATM IV)
DTE:
Wing Δ:
Metric:
Wing vs ATM
IV(put wing) − IV(ATM), in vol points

How much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.

  • Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
  • Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
  • Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
  • Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
Risk Reversal
IV(call wing) − IV(put wing), equal delta on each side

Which side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.

  • Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
  • Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
  • Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
  • Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Reading them together

Wing-vs-ATM tells you how expensive the tails are. Risk Reversal tells you which side is favored. Combined:

  • High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
  • Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
  • Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
14 DTE / 10d —
— pts EXTREME
ATM — / Wing —
30 DTE / 10d —
— pts EXTREME
ATM — / Wing —

Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.

Volatility Surface

Enter a ticker to render the implied volatility surface.

Volatility Smile

Enter a ticker to render the implied volatility smile.

IV Rank (7 DTE)
IV Rank (30 DTE)
Straddle Price (30 DTE)
Beta Analysis

Risk Metrics

Beta: 1.2257
Alpha: -103.27%
Correlation: 0.2739
R-Squared: 7.5%
Stock Volatility: 58.3%
Market Volatility: 13.0%

Analysis Details

Benchmark: SPY
Data Points: 251
Period: 252 trading days
Interpretation:
High volatility - stock moves more than market
Beta & Alpha Over Time

XYF Institutional Ownership (13F)

Latest filings — 2026-06-30

Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.

  • Shares — long equity positions in this name, aggregated across share classes.
  • Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
  • % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
  • Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.

Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.

23 filers864,544 shares$4.18M value
# Filer Shares Value % of Total % of Float Period
1 Two Sigma Investments, LP Custodian 190,782 $923.38K 22.07% — 2026-06-30
2 Qube Research & Technologies Ltd 136,792 $662.07K 15.82% — 2026-06-30
3 ACADIAN ASSET MANAGEMENT LLC 105,211 $505.00K 12.07% — 2026-06-30
4 Trexquant Investment LP 85,378 $413.23K 9.88% — 2026-06-30
5 Citadel Advisors LLC Custodian 79,349 $384.05K 9.18% — 2026-06-30
6 O'SHAUGHNESSY ASSET MANAGEMENT, LLC 62,581 $302.89K 7.24% — 2026-06-30
7 UBS Group AG Custodian 48,198 $233.28K 5.57% — 2026-06-30
8 RAMSEY QUANTITATIVE SYSTEMS 27,838 $134.74K 3.22% — 2026-06-30
9 GSA CAPITAL PARTNERS LLP 25,966 $126.00K 3.01% — 2026-06-30
10 Jane Street Group, LLC Custodian 24,999 $121.00K 2.89% — 2026-06-30
11 JPMorgan Chase & Co Custodian 22,843 $114.44K 2.73% — 2026-06-30
12 State Street Corp 21,644 $104.76K 2.50% — 2026-06-30
13 SmartHarvest Portfolios, LLC 15,421 $74.64K 1.78% — 2026-06-30
14 Police & Firemen's Retirement System of New Jersey 7,644 $37.00K 0.88% — 2026-06-30
15 Morgan Stanley Custodian 5,111 $24.74K 0.59% — 2026-06-30
16 WealthCollab, LLC 2,429 $11.76K 0.28% — 2026-06-30
17 Royal Bank of Canada Custodian 809 $4.00K 0.10% — 2026-06-30
18 Tower Research Capital LLC (TRC) Custodian 719 $3.48K 0.08% — 2026-06-30
19 Citigroup Inc. Custodian 379 $1.83K 0.04% — 2026-06-30
20 RhumbLine Advisers 191 $924 0.02% — 2026-06-30
21 KELLEHER FINANCIAL ADVISORS 173 $838 0.02% — 2026-06-30
22 SBI Securities Co., Ltd. 85 $411 <0.01% — 2026-06-30
23 Smartleaf Asset Management LLC 2 $10 <0.01% — 2026-06-30
# Filer Notional Value % of Total Period
# Filer Notional Value % of Total Period

XYF Insider Trading (Form 4)

Latest: 2026-08-03
Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
Filed Reporter Role Action Shares Avg Price Net $ Link
2026-08-03 Zheng Xue Director Conv (C) +90,000 — EDGAR
2026-08-03 Longgen Zhang Director Conv (C) +90,000 — EDGAR
2026-06-24 Zheng Wan Director Sell (S) −180,000 $5.24 -$942.3K EDGAR
2026-06-02 Zheng Wan Director Conv (C) +90,000 — EDGAR
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.

XYF Insider Holdings

2 insiders · @ $5.15
Officers, directors, and 10%+ owners who have filed a Form 4 in the past two years, ranked by current disclosed exposure (shares × today's price). Shares are direct + indirect (via trusts / LLCs / spouse). Excludes unvested RSU and option grants — those aren't beneficially owned until vest.
# Insider Role Shares Disclosed Exposure Lifetime OM Net Filings Last Filed
1 Longgen Zhang Director 499,998 $2.57M $0 1 2026-08-03
2 Zheng Xue Director 499,998 $2.57M $0 1 2026-08-03
Lifetime OM Net = signed sum of open-market buys (P) and sells (S) over their career; excludes grants, tax withholdings, and dispositions to issuer. A large negative number is normal for long-tenured executives — they've sold compensation grants over many years.
ETF Holders
3 ETFs hold XYF
3 shown · $109.12K total exposure
# ETF Provider Weight $ Exposure ETF AUM As Of
1 APIE ActivePassive International Equity ETF Nport 0.01% $101,761 — 2026-08-31
2 AVEM Avantis Emerging Markets Equity ETF Nport 0.00% $6,350 — 2026-08-31
3 AVEE Avantis Emerging Markets Small Cap Equity ETF Nport 0.00% $1,006 — 2026-08-31
Fundamentals

Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.

Metrics
  • Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
  • Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
  • Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
  • Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
  • Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
  • YoY growth — compare to the same quarter a year earlier to remove seasonality.
  • Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
  • Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.

TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.