XYF
X FinancialDNYSE / Financial Services
Last Price
At close
2026-07-18
Current thesis
Composite grade D from latest DB weights. Momentum 4.2 / Value 64.6 / Sentiment 62.1
Posture
Defensive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.1.
What can break
Mixed signals. Wait for cleaner trend confirmation.
Momentum
4
Value
65
Sentiment
62
Setup hits (3d)
0 · Net Neutral
AI TargetsBase - · Bull - · Bear -
Data freshness
Prices
As of 2026-07-18
Fundamentals
As of 2026-07-20 • Vendor: Data Vendor v1
Scores
As of 2026-07-18 • Model: HYBRID_IC_RP
AI Memo
Unavailable: No memo yet
Investment thesisAs of 2026-07-18
Investment thesis
As of 2026-07-18
Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Why
Momentum4 · Δ7d -
Value65 · Δ7d +0.1
Sentiment62 · Δ7d -
So what
Weak posture (Net Neutral). Prioritize risk control and patience.
Lead driver: Value · See fundamentals
Momentum
4
26% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Value
65
39% active weight
Current posture
7d trendFlat
Δ7d
+0.1
Δ21d
-0.2
Sentiment
62
34% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade
Composite grade D. Momentum 4.2 / Value 64.6 / Sentiment 62.1
Fundamentals (TTM)As of 2026-07-20
Fundamentals (TTM)
As of 2026-07-20
Market Cap
$181.36M
Beta
0.43
Shares Out
22.82M
P/E (TTM)
1.0
P/S (TTM)
0.21
P/FCF (TTM)
1.19
Rev YoY
-36.2%
EPS YoY
-90.4%
Gross Margin
+70.4%
Op Margin
+27.1%
Net Debt
-$485.39M
Current Ratio
1.34
As of 2026-07-18 • Updated nightlySource: Internal modelMethodology