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Institutional ownership roughly stable: -0.38% change quarter-over-quarter.
Data as of Q1 2026
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Total shares institutions bought (green) vs sold (red) each quarter across all holders.
Inferred from quarter-over-quarter change in each fund's 13F position (new stakes count as buys, exits as sells). Not tick-level trades.
Solve the discounted cash flow backwards, then stress-test the assumptions.
To be worth $5.07 today, the market must believe free cash flow compounds -43.5%/yr for a decade (off $1.0B normalized FCF).
The market's -43.5% is more conservative than its 9-yr track record.
2-stage DCF · 0.23B shares · net debt -$83M
mean -172.7% · volatility σ 377% · implied rate exceeded in 3/6 yrs
Central path = implied -43.5%/yr growth; shaded band = ±1σ (377%) of this company's historical FCF volatility, widening with time. The wider the band, the less certain the growth.
Reverse DCF: rather than guessing a fair value, we solve for the growth the current price implies, then you stress-test the assumptions. Enterprise value of the FCF stream, less net debt, ÷ shares. Educational — not a recommendation.
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
EOD close · as of 2026-08-05 · 16d old
How a revenue dollar becomes profit — FY2025
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.09B 100.0% | $5.87B 100.0% | $4.81B 100.0% | $3.56B 100.0% | $3.63B 100.0% | $2.19B 100.0% | $3.09B 100.0% | $3.54B 100.0% | $1.79B 100.0% | $230.3M 100.0% |
| Cost of Revenue | $288.9M 26.4% | $1.74B 29.6% | $1.54B 32.1% | $1.34B 37.5% | $1.96B 54.1% | $2.07B 94.5% | $1.63B 52.9% | $1.19B 33.5% | $760.1M 42.5% | $259.1M 112.5% |
| Selling, General & Admin | $28.5M 2.6% | $175.9M 3.0% | $153.9M 3.2% | $143.2M 4.0% | $187.9M 5.2% | $179.2M 8.2% | $227.5M 7.4% | $220.0M 6.2% | $98.2M 5.5% | $61.7M 26.8% |
| Total Operating Expenses | $859.3M 78.7% | $4.00B 68.1% | $3.35B 69.6% | $2.35B 65.9% | $2.32B 63.8% | $3.62B 165.2% | $2.28B 73.7% | $2.27B 64.0% | $1.29B 71.9% | $367.1M 159.4% |
| Operating Income | $233.1M 21.3% | $1.87B 31.9% | $1.46B 30.4% | $1.21B 34.1% | $1.31B 36.2% | -$1.43B -65.2% | $812.6M 26.3% | $1.28B 36.0% | $501.7M 28.1% | -$136.8M -59.4% |
| Interest & Investment Income | $9K 0.0% | $10K 0.0% | — | — | — | — | — | — | — | — |
| Other Income (Expense), net | $18.9M 1.7% | $13.5M 0.2% | $24.4M 0.5% | $40.7M 1.1% | $32.5M 0.9% | $12.7M 0.6% | $26.1M 0.8% | -$5.9M -0.2% | $90K 0.0% | -$9K -0.0% |
| Pretax Income | $250.2M 22.9% | $1.89B 32.3% | $1.47B 30.5% | $1.22B 34.2% | $1.19B 32.8% | -$1.60B -73.0% | $663.9M 21.5% | $1.08B 30.6% | $478.6M 26.8% | -$147.2M -63.9% |
| Income Tax Expense | $41.7M 3.8% | $405.7M 6.9% | $261.1M 5.4% | $396.1M 11.1% | $368.7M 10.2% | -$299.9M -13.7% | -$93.1M -3.0% | -$209.9M -5.9% | $138.2M 7.7% | -$27.0M -11.7% |
| Net Income | $209.4M 19.2% | $1.54B 26.2% | $1.19B 24.6% | $812.0M 22.8% | $825.4M 22.8% | -$1.31B -59.7% | $774.3M 25.1% | $883.1M 24.9% | $340.3M 19.0% | -$119.6M -51.9% |
| Per Share | ||||||||||
| EPS (Basic) | $0.86 | $5.33 | $4.12 | $2.57 | $2.51 | $-4.07 | $2.47 | $3.08 | $1.30 | $-0.50 |
| EPS (Diluted) | $0.84 | $5.25 | $4.08 | $2.52 | $2.45 | $-4.07 | $2.42 | $2.91 | $1.22 | $-0.50 |
| Weighted Avg Shares (Basic) | 244.0M | 288.8M | 288.1M | 316.4M | 329.2M | 321.2M | 313.8M | 286.6M | 261.2M | 238.1M |
| Weighted Avg Shares (Diluted) | 249.5M | 293.4M | 290.8M | 322.4M | 336.9M | 321.2M | 319.7M | 304.0M | 279.7M | 238.1M |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
Is the value real, and is the business safe? Academic scores + earnings quality + solvency, from SEC filings.
6/8 of the 9 checks — 1 couldn't be scored (see above), so the score is out of the 8 with data.
Insufficient balance-sheet detail (needs retained earnings, working capital, equity).
Needs granular two-year detail (receivables, PP&E, D&A, SG&A) — not fully reported.
Cash conversion lags reported earnings — watch accruals. Lower/negative accruals = higher quality (Sloan).
Coverage data unavailable; leverage rising year-over-year.
F-Score (0–9 fundamental momentum), Altman Z (distress risk), and Beneish M (earnings-manipulation screen) are academic models computed from the SEC filings. Screens and context — educational, not recommendations.
What the company returns to shareholders — and whether it's covered by cash.
The dividend is comfortably covered — only 11% of free cash flow, leaving room to grow it and fund buybacks. Last year: $22M dividends + $105M buybacks = $127M returned on $207M FCF.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 10 years — and what it earned on reinvestment.
A cash-return story — far more went to shareholders than back into the business (mature, low-reinvestment).
Reinvestment has been productive — operating income grew well per dollar put in. Current ROIC on all capital: 18%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 10 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
How much the company owes, how it's trended, and how comfortably it's serviced.
Green ≤ 1.5× · amber ≤ 3× · red > 3× (leverage relative to cash earnings).
Interest expense isn't separately reported — often netted into “other income (expense), net.”
Cash of $141M fully covers short-term debt of $59M.
Mostly short-term debt (balance-sheet current vs non-current split). A year-by-year maturity schedule wasn't disclosed for this issuer.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Educational — not a recommendation.
EOD close · as of 2026-08-05
No material risks flagged.
Where each multiple sits in its own 8-yr range · 87th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 8-yr history.
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
Returns are margin-driven, not leverage-driven — higher quality.
What the company owes vs. what it holds
Year-by-year maturities aren't in SEC companyfacts (footnote-only), so this shows the debt/cash structure and net leverage instead.
Latest year: profit growth vs revenue growth
Low operating leverage — profit tracks sales closely (stable, less cyclical).
Each line as % of revenue — the trend in color
| % of revenue | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|
| Cost of Revenue | 33.5 | 52.9 | 94.5 | 54.1 | 37.5 | 32.1 | 29.6 | 26.4 |
| SG&A | 6.2 | 7.4 | 8.2 | 5.2 | 4.0 | 3.2 | 3.0 | 2.6 |
| Operating Income | 36.0 | 26.3 | -65.2 | 36.2 | 34.1 | 30.4 | 31.9 | 21.3 |
| Income Tax | -5.9 | -3.0 | -13.7 | 10.2 | 11.1 | 5.4 | 6.9 | 3.8 |
| Net Income | 24.9 | 25.1 | -59.7 | 22.8 | 22.8 | 24.6 | 26.2 | 19.2 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on XYF: price, valuation, headline fundamentals, and an auto-generated scorecard from SEC filings. Flags are rule-based signals, not recommendations.
Top 27 institutional holders — bubble size is position value, color is the move since last quarter. Hover any holder for detail.
Drag any bubble to rearrange · size = dollar value of the position
Ranked against 878 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-03-31.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| BSAC | $6.64T | — | — | — | — | — | — | — | — | — | 141 |
| V | $688.1B | — | — | 17.2× | 11.3% | — | 50.1% | 52.9% | 34.9% | — | 4,229 |
| MA | $516.3B | 34.5× | — | 15.7× | 16.4% | — | 45.6% | 193% | 57.6% | — | 3,430 |
| HBCYF | $346.1B | — | — | — | — | — | — | — | — | — | 2 |
| AXP | $239.4B | 22.7× | — | 5.8× | 6.4% | — | 26.2% | 32.4% | 11.9% | — | 2,787 |
| MBFJF | $239.1B | 0.1× | 0.1× | 0.0× | 9.5% | — | 14.6% | 8.8% | 8.8% | — | 1 |
| USOI | $195.8B | — | — | 9.8× | 30.7% | — | -20.3% | -10.7% | -1.9% | — | 13 |
| HDB | $182.5B | 22.9× | — | 7.1× | -98.6% | — | 30.8% | 8.8% | 4.5% | — | 570 |
| UBS | $179.0B | — | — | — | — | — | — | — | — | — | 660 |
| USML | $178.1B | — | — | — | — | — | — | — | — | — | 2 |
| BLK | $175.8B | 32.1× | — | 7.3× | 89.3% | — | 22.9% | 9.9% | 8.1% | — | 2,196 |
| SMFNF | $158.8B | — | — | — | — | — | — | — | — | — | 1 |
| CB | $137.9B | 13.7× | — | 2.3× | 6.5% | — | 17.4% | 14.0% | 11.3% | — | 2,002 |
| GLD | $131.4B | — | — | — | — | — | — | — | — | — | 3,072 |
| MZHOF | $129.2B | 0.1× | — | 0.0× | 7.6% | — | 13.2% | 10.7% | 3.7% | — | 2 |
| PGR | $124.7B | 11.1× | — | 1.4× | 16.3% | — | 12.9% | 37.3% | 30.4% | — | 1,685 |
| SPGI | $122.5B | 28.0× | 17.5× | 8.0× | 7.9% | 70.2% | 29.2% | 14.4% | 10.1% | 1.7× | 2,005 |
| VXZ | $116.9B | — | — | — | — | — | — | — | — | — | 12 |
| BNS | $109.5B | — | — | — | — | — | — | — | — | — | 488 |
| BX | $101.8B | 35.1× | — | 7.0× | 9.2% | — | 20.9% | 34.8% | 14.2% | — | 2,037 |
| PNC | $101.1B | 15.4× | — | 4.4× | 7.2% | — | 30.3% | 11.5% | 5.9% | — | 1,839 |
| BCLYF | $97.9B | — | — | — | — | — | — | — | — | — | 5 |
| CME | $95.2B | 23.7× | — | 14.6× | 6.4% | — | 62.5% | 14.2% | 14.2% | — | 1,699 |
| MRSH | $92.9B | 22.7× | 16.5× | 3.4× | 10.3% | — | 15.4% | 27.2% | 12.4% | 2.8× | 1,471 |
| ICE | $85.0B | 26.0× | 20.2× | 6.7× | 7.5% | — | 26.2% | 11.5% | 6.8% | 3.8× | 1,641 |
| XYF | $1.2B | 6.0× | 4.7× | 1.1× | -81.4% | 73.6% | 19.2% | 18.7% | 17.8% | 0.2× | 27 |
Peers = companies sharing XYF's sector (Financial Services) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.