ZHANG LONGGEN
Transaction: 08/01/2026
BUY
Change
+90,000
Price
Not reported
Filing
08/03/2026
Type
BUY
X Financial
XYF • Financial - Credit Services
$5.53
▼ -0.04 (-0.72%)
Current price
EarningsLatest report: Mar 31, 2026
HIGHLY FAVORABLE PROFILEExcellentConfidence: 70%
Quantitative profile — not an investment recommendation.
Quantitative profile — not an investment recommendation.Methodology
Analysis thesis: Strong business quality with supportive growth and cash-flow evidence. Valuation still matters, but the historical ratio profile is favorable.
Market Cap
$36.33M
Growth
—
Cash Flow
5/5
Trend
Stable
Evidence
Stable or improving margins · 19.2%Positive revenue growth · 151.2%Positive free cash flow · 213.31Consistent free cash flow · 5/5Reasonable earnings multiple · 0.19
Financial data as of: Mar 31, 2026, 12:00 AM UTCLast earnings update: May 28, 2026, 12:00 AM UTCLast profile update: Aug 26, 2026, 12:16 PM UTC
Company Snapshot
Key valuation, quality, financial strength, momentum and analyst data.
Price$5.53
Change-0.72%
Shares Out6.57M
Market Cap$36.33M
52W Range3.30 - 15.96
Beta0.46
P/E1.25
P/S0.16
P/B0.02
P/FCF0.00
EV/Sales-2.76
EV/EBITDA-28.94
Price$5.53
Change-0.72%
Shares Out6.57M
Market Cap$36.33M
52W Range3.30 - 15.96
Beta0.46
P/E1.25
P/S0.16
P/B0.02
P/FCF0.00
EV/Sales-2.76
EV/EBITDA-28.94
EV/FCF0.00
Earnings Yield80.00%
FCF Yield0.00%
Dividend Yield0.00%
Gross Margin73.55%
Oper. Margin21.43%
Profit Margin19.17%
Debt/Eq0.05
Current Ratio15.93
Quick Ratio15.93
FCF 5Y68.06%
Volume49.30K
Avg Volume91.41K
EPS Surprise0.01
Investment DNA
How strong this company looks for long-term investors
87
out of 100
Business Quality
Margins, moat, returns
74/100
Financial Strength
Debt, cash, stability
76/100
Growth Potential
Revenue and expansion
95/100
Price Attractiveness
Cheap or expensive today
95/100
Why this score▼
Stable or improving margins · 19.2%Positive revenue growth · 151.2%Positive free cash flow · 213.31Consistent free cash flow · 5/5Reasonable earnings multiple · 0.19Manageable debt level · 0.05
Analyst view
No analyst data available now.
Insider Transactions
Recent executive and insider activity
Wan Zheng
Transaction: 06/15/2026
SELL
Change
-90,000
Price
$5.18
Filing
06/24/2026
Type
SELL
Zheng Fuya (Frank)
Transaction: 01/10/2028
OTHER
Change
+25,014
Price
Not reported
Filing
05/11/2026
Type
OTHER
| Insider | Type | Change | Price | Transaction | Filing |
|---|---|---|---|---|---|
| ZHANG LONGGEN | BUY | +90,000 | Not reported | 08/01/2026 | 08/03/2026 |
| Wan Zheng | SELL | -90,000 | $5.18 | 06/15/2026 | 06/24/2026 |
| Zheng Fuya (Frank) | OTHER | +25,014 | Not reported | 01/10/2028 | 05/11/2026 |
| jiang yufan | OTHER | +50,004 | Not reported | 01/10/2028 | 05/11/2026 |
| Xue Zheng | OTHER | +90,000 | Not reported | 08/01/2027 | 05/11/2026 |
| Wan Zheng | OTHER | +90,000 | Not reported | 06/01/2027 | 05/11/2026 |
| Zheng Fuya (Frank) | OTHER | +24,996 | Not reported | 01/10/2027 | 05/11/2026 |
| jiang yufan | OTHER | +49,998 | Not reported | 01/10/2027 | 05/11/2026 |
| Xue Zheng | OTHER | +90,000 | Not reported | 08/01/2026 | 05/11/2026 |
| Wan Zheng | OTHER | +90,000 | Not reported | 06/01/2026 | 05/11/2026 |
| Zheng Fuya (Frank) | OTHER | 0 | Not reported | 03/18/2026 | 05/11/2026 |
| jiang yufan | OTHER | 0 | Not reported | 03/18/2026 | 05/11/2026 |
| Xue Zheng | OTHER | 0 | Not reported | 03/18/2026 | 05/11/2026 |
| Wan Zheng | OTHER | 0 | Not reported | 03/18/2026 | 05/11/2026 |
| Kauffman Noah Nathanial | OTHER | +150,000 | Not reported | 02/28/2029 | 03/18/2026 |
| LI KAN | OTHER | +2,250,000 | Not reported | 01/10/2029 | 03/18/2026 |
| Tang Yue (Justin) | OTHER | +50,004 | Not reported | 01/10/2028 | 03/18/2026 |
| LI KAN | OTHER | +2,250,000 | Not reported | 01/10/2028 | 03/18/2026 |
| Kauffman Noah Nathanial | OTHER | +150,000 | Not reported | 02/28/2027 | 03/18/2026 |
| Tang Yue (Justin) | OTHER | +49,998 | Not reported | 01/10/2027 | 03/18/2026 |