XYF Stock Analysis: Buy, Sell, or Hold?
XYF - X Financial American Depositary Shares, each representing six Class A Ordinary Shares
$5.15
-0.06 (-1.15%)
▼
WAIT
LOW Confidence
Last Updated: January 30, 2026
Earnings: Mar 18, 2026
Get Alerted When XYF Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
⏸️ WAIT FOR STABILIZATION: XYF is down 14.0% over the last 5 days. While fundamentals may be solid, catching a falling knife is risky. Wait for price to stabilize before entering.
⏸️ WAIT FOR STABILIZATION: XYF is down 14.0% over the last 5 days. While fundamentals may be solid, catching a falling knife is risky. Wait for price to stabilize before entering.
In-depth Analysis How we analyze
Valuation Analysis: XYF is currently trading at $5.15, which is considered oversold relative to its 30-day fair value range of $5.69 to $6.15.
Technical Outlook: Technically, XYF is in a strong downtrend. The price is currently testing key support at $5.05. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. However, the stock is trading significantly above the average Wall Street target of $1.70. Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, XYF is in a strong downtrend. The price is currently testing key support at $5.05. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (45/100), with neutral trendline and momentum signals. However, the stock is trading significantly above the average Wall Street target of $1.70. Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Fair Price Range
$5.69 -
$6.15
Company Quality Score
45/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
72.1%
Protect Your Profits
Holding XYF? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (45/100)
- BULLISH: High volume confirmation
- BEARISH: Trading 67.0% above Wall St target ($1.70)
- WARNING: Recommendation downgraded due to -14.0% 5-day decline - wait for stabilization
Fair Price Analysis
30-Day Fair Range
$5.69 -
$6.15
Current vs Fair Value
OVERSOLD
Support & Resistance Levels
Support Level
$5.05
Resistance Level
$6.22
Current Trend
Strong Downtrend
Fundamental Context
Wall Street Target
$1.70
(-67.0%)
Revenue Growth (YoY)
23.9%
Earnings Growth (YoY)
30.2%
Profit Margin
22.8%
Last updated: February 01, 2026 7:38 AM ET
Data refreshes hourly during market hours. Next update: 8:38 AM
Data refreshes hourly during market hours. Next update: 8:38 AM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is XYF showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Credit Services Stocks
Top-rated stocks in Credit Services by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
V
Visa Inc. Class A |
STRONG BUY
41 analysts |
$398 | 60 HOLD |
|
MA
Mastercard Inc |
STRONG BUY
42 analysts |
$665 | 57 HOLD |
|
PYPL
PayPal Holdings Inc |
HOLD
47 analysts |
$73 | 50 HOLD |
|
AXP
American Express Company |
HOLD
30 analysts |
$377 | 60 HOLD |
|
AFRM
Affirm Holdings Inc |
STRONG BUY
24 analysts |
$92 | 50 HOLD |
Advanced XYF Option Strategies
Professional options setups generated by AI based on today's XYF price and gamma walls.