X Financial Class A

Stage 2 · Advancing · week 7

As of Oct 22, 2026, X Financial is in Stage 2, the uptrend phase, now in week 7 (since Sep 8, 2026). It closed at $4.86, 57.9% below its 52-week high and above its 200-day average, which is falling.

X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. More about the company

$4.86

+0.83% today

$179M · Micro cap

Market Neutral — Building

Pro read

Pro

Our read

In Stage 2, but it has already run

Setup score

—

Momentum

Steady

Edge

—

Setup-score rank among Stage 2 peers: #1 of 12 in Credit Services · #1 of 215 in Financials

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Stage Cycle Timeline2023-08-16 → 2026-10-22

S2 60w

S4 28w

S1 15w

2023-08-162026-10-22

S1S2S3S4Setup score (0–10, dashed line at 5)

S2 4w → S3 9w → S2 4w → S3 4w → S2 3w → S3 1w → S4 3w → S1 1w → S2 6w → S3 2w → S4 6w → S2 60w → S3 12w → S4 28w → S1 15w → S2 6w current

Total tracked: 165 weeks across 16 stage runs.

XYF among Credit Services42nd of 53 by relative strength

All 53 →

Stocks in Credit Services ranked by relative strength, with stage and one-month change
#	Stock	Stage	RS	1M
1	ECPGEncore Capital Group Inc	Stage 2 · wk 55	96	+6.2%
2	SEZLSezzle Inc.	Stage 3 · wk 8	93	+30.3%
3	OPRTOportun Financial Corporation	Stage 2 · wk 18	91	+9.8%
4	BFHBread Financial Holdings, Inc.	Stage 3 · wk 2	91	+3.3%
5	EZPWEZCORP, Inc. Class A	Stage 2 · wk 1	91	−2.8%
6	PMTSCPI Card Group Inc.	Stage 2 · wk 25	91	+12.3%
7	ATLCAtlanticus Holdings Corporation	Stage 3 · wk 6	90	+0.6%
8	TROOTROOPS, Inc.	Stage 4 · wk 12	89	+26.8%
…42	XYFX Financial Class A	Stage 2 · wk 7	20	−7.1%

vs 52W High

-57.9%

$3.05 lo$11.53 hi

57.9% below 52W high

How far this stock is from its 52-week high. A pullback of 3–20% while Stage 2 structure holds is typically a better entry than chasing near the high.

Stage Maturity

Week 7

1w13w26w

Week 7, early Stage 2

How long this stock has been in Stage 2. The sweet spot is mid-run: long enough to prove the structure holds, not so long that it's extended. Very fresh moves (weeks 1–4) often need more time to confirm.

vs 200 DMA

3.5%

200 DMA: $4.70 · sloping down

Long-term trend anchor. When the stock and the S&P 500 are both above their 200-day averages, the backdrop supports continuation.

Rel Volume

0.26x

vs 50-day avg

Low vol (0.5–1x) on pullbacks = resting, not being sold. High vol on breakouts = commitment. Volume spike on down days is a warning sign.

Trend Health

↓

Short-term trend rolling over

Two reads of momentum. The arrow shows the direction of the short-term trend: rising (↑ or ↗), flat (→) or rolling over (↓). The ⇈ mark appears when our trend model reads the move as gaining speed on top of the longer trend. Strongest when both agree.

-7.1%

+6.9%

+9.6%

YTD

-6.1%

-57.1%

Scan Membership

Breakout Watch

Latest: 2024-06-17

7 appearances in last 60 days. First seen: 2021-02-10.

A stock that keeps qualifying week after week does so because its Stage 2 structure keeps holding. Staying power in the scan says more about the trend than any single appearance.

Recent Stage Timeline

2026-10-22S2

Wk 7 · Vol 0.26x

2026-10-21S2

Wk 7 · Vol 1.03x

2026-10-20S2

Wk 7 · Vol 1.22x

2026-10-19S2

Wk 6 · Vol 0.73x

2026-10-16S2

Wk 6 · Vol 0.70x

2026-10-15S2

Wk 6 · Vol 1.17x

2026-10-14S2

Wk 6 · Vol 1.26x

2026-10-13S2

Wk 6 · Vol 0.39x

2026-10-12S2

Wk 5 · Vol 0.58x

2026-10-09S2

Wk 5 · Vol 0.38x

2026-10-08S2

Wk 5 · Vol 1.14x

2026-10-07S2

Wk 5 · Vol 0.99x

Moving averages & range

50 DMA

$5.11

200 DMA

$4.70

52W High

$11.53

52W Low

$3.05

5D Low

$4.82

Resistance levels (recent highs)

20d High

$5.29

60d High

$5.41

120d High

$5.41

250d High

$11.53

Next resistance

+8.8%

to 20d High

P/E (TTM)

2.3

Forward 13.1

Earnings Growth (YoY)

-89.6%

Revenue -56.3%

ROE

+7.3%

Profit margin +10.1%

Dividend Yield

11.62%

P/B 0.2

X Financial: quick answers

What stage is X Financial in?

As of Oct 22, 2026, X Financial (XYF) is in Stage 2, the uptrend phase. It entered Stage 2 on Sep 8, 2026 and is in week 7. What the four stages mean

Is X Financial in an uptrend?

Yes. X Financial is in a Stage 2 uptrend. It trades 3.5% above its 200-day average, which is falling.

How far is X Financial from its 52-week high?

X Financial closed at $4.86 on Oct 22, 2026, 57.9% below its 52-week high of $11.53. Its 52-week low is $3.05.

How has X Financial performed over the past year?

As of Oct 22, 2026, X Financial is down 57.1% over the past year and down 6.1% so far in 2026.

Which sector and industry is X Financial in?

X Financial is in the Credit Services industry, part of the Financials sector.

About this companyFinancials· Credit Services

X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. The company offers Xiaoying credit loans, which are online personal credit loan products comprising Xiaoying card loans and other unsecured loan products; and Xiaoying housing loans, a secured home equity loan product. It also provides guarantee, consulting, e-commerce, and microcredit services. In addition, the company engages in the technology development and service, as well as the sale of products. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.

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All analytics based on EOD data. Data as of 2026-10-22. Past data patterns are not indicative of future results. This page is a data analytics tool only.