XYF (X Financial) Tariff Resilience Score: 7/10 (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 Tariff Resilience Score?

X Financial XYF +2.66% 76 Tariff Resilience Score is 7 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 569 Credit Services companies, X Financial ranks better than 92.44% on this metric.

X Financial has the Tariff Resilience Score of 7, which implies that the company might have Highly Resilient.

X Financial has X Financial operates primarily in the financial services sector, which is less directly impacted by tariffs. The company has minimal exposure to global supply chains and benefits from a domestic-focused business model. Historical tariff changes have had limited impact.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes X Financial might have Highly Resilient.

X Financial  (NYSE:XYF) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

X Financial Tariff Resilience Score Related Terms

XYF vs CPSS, FOA, PMTS: Tariff Resilience Score Comparison

For the Credit Services subindustry, X Financial's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience 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 Tariff Resilience Score vs Credit Services Industry

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

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


XYF
76GF Score
X Financial XYF
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 7 mean?
X Financial (XYF) has a Tariff Resilience Score of 7 as of Aug. 28, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, X Financial ranks #43 out of 569 companies in the Credit Services industry, placing it in the top 7.6%.
Is X Financial's Tariff Resilience Score too high?
X Financial's current Tariff Resilience Score is 7. Based on the distribution chart, X Financial ranks #43 out of 569 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 Tariff Resilience Score compare to CPSS and FOA?
According to the Credit Services industry distribution chart, X Financial ranks #43 out of 569 companies for Tariff Resilience Score. This places X Financial in the top 8% 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 Tariff Resilience Score for a Credit Services company?
A good Tariff Resilience Score depends on the Credit Services industry context. However, Tariff Resilience 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. X Financial's current Tariff Resilience Score is 7. 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 Tariff Resilience Score is 7. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For X Financial (XYF), the current Tariff Resilience Score is 7 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:

  • Tariff Resilience Score: 7
  • 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

Get the complete analysis for XYF

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

$5.40
Price
$6.70
GF Value