XYF Earnings

XYF reported its earnings on 2025-05-20, showcasing a revenue of 267.00M against an estimate of , resulting in a 0% surprise. The EPS was 1.4, surpassing the expected 0 by 0%. The stock experienced a 5.6% price change on the earnings day and a 15.13% change over the next five days, reflecting market reactions to the results.

Following XYF's earnings announcement on 2025-05-20, the stock price moved by 5.6% on the day of the release. Over the subsequent five days, it saw a 15.13% change. Historically, XYF's stock price tends to shift by an average of -10.38% in the 10 days leading up to earnings and 4.92% in the 10 days following, providing insight into potential market.

For , analysts estimate XYF's annual revenue to reach , while the EPS is projected at . These estimates reflect recent revisions, with revenue estimates revised downward by -30.31% and EPS estimates unchanged by 0% over the past three months, indicating analyst expectation in the company's performance.

The correlation between XYF's stock price and earnings forecast revisions shows that positive revisions in revenue or EPS often strengthen the stock's fundamentals. Over the past three months, revenue estimates for were revised downward by -30.31%, while EPS estimates moved unchanged by 0%. This trend suggests that price dips could present buying opportunities for investors.

Based on historical trends, XYF's stock price typically moves by -10.38% in the 10 days before its earnings and 4.92% in the 10 days after. For the upcoming earnings, analysts expect an EPS of and revenue of .

The earnings call reveals a mixed financial performance with increasing delinquencies, declining margins, and sequential declines in income and active borrowers. Despite share repurchases, regulatory uncertainties pose risks. The Q&A section highlights negative impacts on volume and profitability due to new regulations and vague management responses, reinforcing a negative sentiment. These factors, combined with a lack of clear guidance and a focus on maintaining dividends rather than growth, suggest a likely negative stock price reaction in the coming weeks.