X Financial
X Financial is a Financial Services company operating in Credit Services with a $183.0M market cap.
Most recent earnings call: Q1 FY26 on May 28, 2026.
21 earnings calls indexed on Spoken Alpha.
Behavioral analysis
Disclosures
Extracted from Unknown source, 2026-06-21.
Transcripts
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
History
Reported quarters with consensus, surprise, and 1-day reaction context.
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
SamplePeers
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
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/XYFFAQ
Spoken Alpha indexes XYF's earnings call transcripts at https://spokenalpha.com/companies/XYF. Each call links to attributed speakers and parsed analyst Q&A. X Financial's own investor relations page is at https://ir.xiaoyinggroup.com/.
X Financial (XYF) held its most recent earnings call on 2026-05-28, covering fiscal Q1 2026.
X Financial (XYF) operates in the Financial Services sector (Credit Services industry).
When 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.
| 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% |