Roiver Score™ for
XYFX Financial American Depositary Shares, each representing six Class A Ordinary Shares
Based on fundamentals through 12/31/2025.
As of December 31, 2025, X Financial American Depositary Shares, each representing six Class A Ordinary Shares (XYF) scores 89/100 (Excellent) on the Roiver Score — a transparent quality composite. Its strongest area is valuation; its weakest is cash quality. The score measures business quality, not timing — it's a signal, not a recommendation.
No black box
Roiver Score is a transparent 0–100 quality composite. Five components, each 0–20: profitability, capital structure, cash quality, valuation, and stability. Inspired by Piotroski's F-Score, Altman's Z-Score, and the Buffett/Munger framework on quality compounders at fair prices. Read the full methodology →
Frequently asked about XYF
What is XYF's Roiver Score?
X Financial American Depositary Shares, each representing six Class A Ordinary Shares scores 89 out of 100 (Excellent) as of December 31, 2025, based on fundamentals.
How is the Roiver Score for XYF calculated?
It sums five 0–20 components — profitability, capital structure, cash quality, valuation, and stability — into a transparent 0–100 composite. The full methodology is published.
Is XYF a good quality stock?
On quality, XYF rates "Excellent" (89/100). Its strongest driver is valuation and its weakest is cash quality. Quality is one input to a decision, not a buy/sell call.
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Educational use only. Roiver Score is a quality signal, not a recommendation.