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X Financial
X Financial. Spoken Alpha tracks XYF's earnings calls, guidance changes, and executive accountability over time.
Spoken Alpha tracks XYF's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Beats consensus 7/10 quarters but stock falls 80% of the time
SampleWhen a company consistently beats but the stock doesn't react, consensus is usually set too low or the buy-side number is materially above sell-side. Watch for guidance walk-downs ahead of the print.
Missed in 2 of the last 4 quarters
SampleRecent misses matter more than long-window beat rate — the trailing 12 months drives the analyst model and the next-print bar.
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for XYF.
curl https://api.spokenalpha.com/v1/companies/XYF| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $2.19 | $2.17 | +0.8% | +0.4% | +2.8% |
| Q4 FY2026 | $2.57 | $2.45 | +4.9% | +1.2% | -1.2% |
| Q3 FY2026 | $2.40 | $2.44 | -1.6% | -5.5% | -8.1% |
| Q2 FY2026 | $2.21 | $2.25 | -1.6% | -0.6% | +1.7% |
| Q1 FY2025 | $2.32 | $2.27 | +2.1% | -6.9% | -8.3% |
| Q4 FY2025 | $2.45 | $2.52 | -2.6% | -4.2% | -3.4% |
| Q3 FY2025 | $2.49 | $2.38 | +4.5% | -7.1% | -9.2% |
| Q2 FY2025 | $2.50 | $2.43 | +2.8% | -1.7% | -4.0% |
| Q1 FY2024 | $2.66 | $2.50 | +6.5% | -5.4% | -4.0% |
| Q4 FY2024 | $2.46 | $2.37 | +3.9% | -2.6% | -2.5% |