X Finl (XYF): Hedge Fund Ownership & Smart Money Signals (Q1 2026)

Q: Is it too late to buy X Finl (XYF) following the 2026 Q1 hedge fund 13F filings?

As of today, XYF has moved +2.5% since the 2026 Q1 13F filing date (May 15, 2026), compared to +5.1% for the XLF sector ETF — an outperformance of -2.6%. Since the quarter end (March 31, 2026), XYF gained +17.2% vs +8.8% for XLF. The stock is tracking its sector benchmark closely. The signal remains fresh and the entry point is still near the fund's implied reference.

X Finl (XYF)

30 + Investors. Track Smart Money conviction in XYF. See who's accumulating, reducing, or initiating positions.

Smart Money Signals — XYF

Based on 30 hedge funds · latest filing: 2026 Q1 · updated quarterly

📉

Selling streak — 1 quarter in a row

last 6Q

For 1 consecutive quarter, more hedge funds reduced or closed their XYF positions than added to them. Sustained institutional selling is a meaningful warning sign — these are professionals with deep research teams collectively deciding to exit.

🔻

Below peak — only 68% of 3.0Y high

68% of all-time peak

Only 30 funds hold XYF today versus a peak of 44 funds at 2025 Q4 — just 68% of the maximum. Low institutional ownership can mean the stock is out of favor, but it also means there's a large pool of potential buyers if sentiment turns.

🚀

Fast accumulation — +50% more funds vs a year ago

fund count last 6Q

+10 new funds entered over the past year (+50% YoY). That's a rapid rush of institutional money. Fast accumulation often signals a major thesis — but it also means the stock could fall quickly if that thesis breaks.

🔴

Heavy selling pressure — only 23% buying

10 buying34 selling

Last quarter: 34 funds sold vs only 10 buyers. This is widespread institutional distribution — not a few funds rebalancing, but a broad exit. High conviction bearish signal.

⚠️

Fewer new buyers each quarter (-8 vs last Q)

new funds entering per quarter

Funds opening this position for the first time: 19 → 19 → 13 → 5. Each quarter fewer new institutions are entering. This usually means most funds that wanted in are already in — the stock is well-known but the pool of potential new buyers is shrinking.

📌

Mixed — 33% long-term, 33% new

■ 33% conviction (2yr+) ■ 33% medium ■ 33% new

Of the 30 current holders: 10 (33%) held >2 years, 10 held 1–2 years, and 10 entered in the last year. A mixed base — the stock has long-term believers but also recent buyers who haven't been tested by a downturn yet.

💎

Buying through price weakness — shares -38%, value -64%

Value

-63%

-37%

Last quarter: funds added -38% more shares while total portfolio value only changed -64%. Institutions were buying while the price was falling — a high-conviction accumulation signal. They're deliberately loading up on the dip.

⚠️

Saturation — most institutions already know this story

9 → 19 → 19 → 13 → 5 new funds/Q

New funds entering each quarter: 19 → 19 → 13 → 5. Far fewer institutions are entering now vs. a year ago. When the pool of potential new buyers shrinks this fast, future price support from institutional inflows weakens significantly.

🏛️

Deep conviction — 53% of holders stayed 2+ years

■ 53% veterans ■ 7% 1-2yr ■ 40% new

Of 30 current holders: 16 (53%) have held for over 2 years without selling. These are not momentum buyers — they have lived through drawdowns and stayed. A large veteran base acts as a stabilizing force during selloffs.

✅

Strong quality — 20% AUM from major funds

20% from top-100 AUM funds

10 of 30 holders rank in the top 100 by AUM, accounting for 20% of total institutional value held. A meaningful share of the ownership value comes from the most well-resourced institutions.

4.0

out of 10

Moderate Exit Risk

Exit risk score 4.0/10 — some crowding factors present, but no critical concentration. Watch ownership trend over the next 1–2 quarters for direction.

Methodology note: these Smart Money cards use consecutive 13F disclosure snapshots, not trade-by-trade execution data. "Buying", "selling", "new holders", and "trimmed" refer to quarter-over-quarter changes in reported holders, aggregate shares, or disclosed position values between filings. They are useful for ownership regime analysis and crowding, but they do not imply exact trade timing on the filing date.

Metric	All 13F Filers (2026 Q1)	Prior (2025 Q4)	Change
Funds Holding	30	44	-31.82%
13F Shares	1M	2M	-37.71%
Total Value	$4M	$12M	-63.71%
New Positions	5	13	-8
Increased Positions	5	14	-9
Closed Positions	19	8	+11
Reduced Positions	15	13	+2
Total Calls	0	0	-
Total Puts	0	0	-
PUT/CALL Ratio	0.0	0.0	Bullish

Metric

All 13F Filers (2026 Q1)

Prior (2025 Q4)

Change

Funds Holding

-31.82%

13F Shares

-37.71%

Total Value

$4M

$12M

-63.71%

New Positions

-8

Increased Positions

-9

Closed Positions

+11

Reduced Positions

Total Calls

Total Puts

PUT/CALL Ratio

0.0

Bullish

Institutional Holders (2026 Q1)

30 + investors

Explore institutional interest and hedge fund ownership dynamics. Analyze portfolio weights, new positions, and conviction trends in XYF. Verified SEC 13F-HR filings.

QUARTER:

FILTER:All New Added To Reduced No Change | Overweight >5%

Top 25 XYF holders by conviction (% of portfolio weight) — 2026 Q1 · Source: SEC Form 13F
#	Investor	% of Portfolio	Shares	Mkt Value
1	DGS Capital Management, LLC	0.01%	10,330	$43K
2	Trexquant Investment LP	0.00%	113,223	$466K
3	O'shaughnessy Asset Management, LLC	0.00%	131,684	$543K
4	Quadrature Capital Ltd	0.00%	20,043	$83K
5	Two Sigma Advisers, LP	0.00%	79,900	$447K
6	Qube Research & Technologies Ltd	0.00%	168,631	$695K
7	Two Sigma Investments, LP	0.00%	171,510	$707K
8	Renaissance Technologies LLC	0.00%	85,041	$350K
9	Qrg Capital Management, INC.	0.00%	10,739	$44K
10	Police & Firemen's Retirement System of New Jersey	0.00%	7,644	$31K
11	Hrt Financial LP	0.00%	12,532	$51K
12	UBS Group AG	0.00%	44,057	$182K
13	Morgan Stanley	0.00%	104,433	$430K
14	Russell Investments Group, Ltd.	0.00%	5,118	$20K
15	IMA Advisory Services, Inc.	0.00%	29	—
16	Advisory Services Network, LLC	0.00%	200	—
17	Citadel Advisors LLC	0.00%	14,023	$58K
18	Jane Street Group, LLC	0.00%	14,538	$60K
19	SBI Securities Co., Ltd.	0.00%	34	—
20	Rhumbline Advisers	0.00%	191	—
21	Royal Bank of Canada	0.00%	820	$3K
22	Smartleaf Asset Management LLC	0.00%	2	—
23	BlackRock, Inc.	0.00%	266	$1K
24	Citigroup Inc	0.00%	3	—
25	Wells Fargo & Company/Mn	0.00%	1	—

Investor	Ownership History	% of Portfolio	Prev %	Rank	Conviction	Avg Buy Price	13F Score™ 3Y / 7Y	Sell Timing	Shares	Mkt Value	Change	Change %	Source	Quarter	Filed

Frequently Asked Questions — X Finl (XYF)

What does the Smart Money Trend signal show for XYF?

Selling streak — 1 quarter in a row: For 1 consecutive quarter, more hedge funds reduced or closed their XYF positions than added to them. Sustained institutional selling is a meaningful warning sign — these are professionals with deep research teams collectively deciding to exit.

What is the institutional breadth score for XYF?

Heavy selling pressure — only 23% buying: Last quarter: 34 funds sold vs only 10 buyers. This is widespread institutional distribution — not a few funds rebalancing, but a broad exit. High conviction bearish signal.

What is the fund quality score for XYF holders?

Strong quality — 20% AUM from major funds: 10 of 30 holders rank in the top 100 by AUM, accounting for 20% of total institutional value held. A meaningful share of the ownership value comes from the most well-resourced institutions.

How long have hedge funds held XYF?

Mixed — 33% long-term, 33% new: Of the 30 current holders: 10 (33%) held >2 years, 10 held 1–2 years, and 10 entered in the last year. A mixed base — the stock has long-term believers but also recent buyers who haven't been tested by a downturn yet.

Is it too late to buy X Finl (XYF) following the 2026 Q1 hedge fund 13F filings?

As of today, XYF has moved +2.5% since the 2026 Q1 13F filing date (May 15, 2026), compared to +5.1% for the XLF sector ETF — an outperformance of -2.6%. Since the quarter end (March 31, 2026), XYF has gained +17.2% vs +8.8% for XLF. The stock is tracking its sector benchmark closely. The signal remains fresh and the entry point is still near the fund's implied reference.

Where does this institutional ownership data come from?

All holdings data is sourced from SEC Form 13F filings, which institutional investment managers with over $100 million in assets are required to submit quarterly. Data is parsed directly from SEC EDGAR.

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X Finl (XYF)

Smart Money Signals — XYF

Selling streak — 1 quarter in a row

Below peak — only 68% of 3.0Y high

Fast accumulation — +50% more funds vs a year ago

Heavy selling pressure — only 23% buying

Fewer new buyers each quarter (-8 vs last Q)

Mixed — 33% long-term, 33% new

Buying through price weakness — shares -38%, value -64%

Saturation — most institutions already know this story

Deep conviction — 53% of holders stayed 2+ years

Strong quality — 20% AUM from major funds

Institutional Sentiment Summary — XYF

Hedge Fund Ownership: XYF

Market Analysis: XYF

Analyst Price Targets

Analyst Recommendations

Stock Performance

Company Profile: XYF

Is It Too Late to Buy X Finl (XYF) Based on Hedge Fund 13F Filings?

Hedge Fund Positioning: XYF

Statistics: XYF

Valuation Measures Data as of: --

Financial Highlights

Institutional Holders (2026 Q1)

Frequently Asked Questions — X Finl (XYF)

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