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X Financial (XYF)

X Financial (the 'Company') is a leading technology-driven personal finance company in Chinafocused on meeting the huge demand for credit from individuals and small-to-medium-sized enterprise owners. The Company's proprietary big data-driven risk control system, WinSAFE, builds risk profiles of prospective borrowers using a variety data-driven credit assessment methodology to accurately evaluate a borrower's value, payment capability, payment attitude and overall creditworthiness. X Financial has established a strategic partnership with ZhongAn Online P&C Insurance Co., Ltd. in multiple areas of its business operations to directly complement its cutting-edge risk management and credit assessment capabilities. ZhongAn Online P&C Insurance Co., Ltd. provides credit insurance on X Financial's investment products which significantly enhances investor confidence and allows the Company to attract a diversified and low-cost funding base from individuals, enterprises and financial institutions to support its growth. X Financial leverages financial technology to provide convenient, efficient, and secure investment services to a wide range of high-quality borrowers and mass affluent investors which complements traditional financial institutions and helps to promote the development of inclusive finance in China.

XYF stock data

Calendar

28 Apr 22
30 Sep 22
31 Dec 22
Quarter (USD) Dec 21 Dec 20 Dec 19 Dec 18
Revenue
Cost of revenue
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Operating margin
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Annual (USD) Dec 21 Dec 20 Dec 19 Dec 18
Revenue
Cost of revenue
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13F holders Current Prev Q Change
Total holders 10 9 +11.1%
Opened positions 1 0 NEW
Closed positions 0 4 EXIT
Increased positions 3 1 +200.0%
Reduced positions 1 3 -66.7%
13F shares Current Prev Q Change
Total value 209.26M 209.28M -0.0%
Total shares 107.96M 107.95M +0.0%
Total puts 0 0
Total calls 0 0
Total put/call ratio
Largest owners Shares Value Change
Mangrove Coast Investment 97.6M $155.39M 0.0%
Fenglei Qian 9.93M $52.7M 0.0%
Renaissance Technologies 133.38K $357K +0.8%
STT State Street 86.15K $231K -1.3%
Greenwoods Asset Management Hong Kong 70.2K $188K 0.0%
GS Goldman Sachs 69.06K $185K +0.0%
Falcon Edge Capital 65.39K $175K 0.0%
MS Morgan Stanley 6.07K $16K +24.7%
C Citigroup 4.94K $13K NEW
Larson Financial 400 $1K 0.0%
Largest transactions Shares Bought/sold Change
C Citigroup 4.94K +4.94K NEW
MS Morgan Stanley 6.07K +1.2K +24.7%
STT State Street 86.15K -1.16K -1.3%
Renaissance Technologies 133.38K +1K +0.8%
GS Goldman Sachs 69.06K +26 +0.0%
Proequities 0 0
Falcon Edge Capital 65.39K 0 0.0%
Larson Financial 400 0 0.0%
Mangrove Coast Investment 97.6M 0 0.0%
Fenglei Qian 9.93M 0 0.0%

Financial report summary

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Competition
Yiren Digital

Content analysis

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Positive
Negative
Uncertain
Constraining
Legalese
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H.S. junior Avg
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Proxies
No filings