XYF (X Financial) Moat Score: 5/10 (As of Aug. 28, 2026)

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XYF X Financial XYF
76 GF Score
Price $5.40
GF Value $6.70
Valuation Modestly Undervalued
! 4 Warning Signs
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What is X Financial Moat Score?

X Financial XYF +2.66% 76 Moat Score is 5 as of Aug. 28, 2026. GuruFocus rates XYF with a GF Score™ of 76/100 and a GF Value™ of $6.70 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 570 Credit Services companies, X Financial ranks better than 97.54% on this metric.

X Financial has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

X Financial has Narrow Moat: X Financial has a solid narrow moat due to its established position in the financial services sector and some customer loyalty. However, it lacks the scale, brand strength, and regulatory barriers needed for a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes X Financial might have Narrow Moat - Solid narrow moat.

X Financial  (NYSE:XYF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

X Financial Moat Score Related Terms

XYF vs CPSS, FOA, PMTS: Moat Score Comparison

For the Credit Services subindustry, X Financial's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

X Financial Moat Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, X Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where X Financial's Moat Score falls into.


XYF
76GF Score
X Financial XYF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
X Financial (XYF) has a Moat Score of 5 as of Aug. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, X Financial ranks #14 out of 570 companies in the Credit Services industry, placing it in the top 2.5%.
Is X Financial's Moat Score too high?
X Financial's current Moat Score is 5. Based on the distribution chart, X Financial ranks #14 out of 570 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, X Financial has a GF Score™ of 76/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does X Financial's Moat Score compare to CPSS and FOA?
According to the Credit Services industry distribution chart, X Financial ranks #14 out of 570 companies for Moat Score. This places X Financial in the top 3% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Credit Services company?
A good Moat Score depends on the Credit Services industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. X Financial's current Moat Score is 5. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is X Financial stock overvalued right now?
Based on GuruFocus' analysis, X Financial (XYF) is currently considered Modestly Undervalued. The stock's GF Value™ is $6.70, compared to a current price of $5.40 — trading 19.4% below its estimated fair value. The current Moat Score is 5. X Financial's overall GF Score™ is 76/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For X Financial (XYF), the current Moat Score is 5 as of Aug. 28, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is X Financial (XYF) Overvalued in 2026?

Based on GuruFocus' analysis, X Financial stock appears to be undervalued. The current stock price of $5.40 is trading 19.4% below its estimated GF Value™ of $6.70. GuruFocus considers X Financial to be Modestly Undervalued.

Key valuation signals for XYF:

  • Moat Score: 5
  • GF Value™: $6.70 vs. price of $5.40 (19.4% below fair value)
  • GF Score™: 76/100 with 4 warning signs

No single metric tells the full story. See the XYF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

X Financial Business Description

Address No. 168, Haide Third Avenue, 7-8 Floors, Block A, Aerospace Science and Technology Plaza, Nanshan District, Shenzhen, CHN, 518067
X Financial is a Cayman Islands-based technology-driven personal finance company. Along with its subsidiaries, the firm provides diversified investment opportunities to investors in China through its wealth management platform, Xiaoying Wealth Management. Loan products offered by the company include Xiaoying Card Loan, Xiaoying Preferred Loan, and Xiaoying Housing Loan. The company generates revenue from loan facilitation service, post-origination service, guarantee services provided and financing income.
76GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$5.40
Price
$6.70
GF Value