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X Financial

(NYSE) XYF

Current Price$4.89
Market Cap$111.82M
Since IPO (2018)-83%
5 Year+46%
1 Year-61%
1 Month+21%

X Financial Financials at a Glance

Market Cap

$111.82M

Revenue (TTM)

$6.62B

Net Income (TTM)

$1.46B

EPS (TTM)

$4.72

P/E Ratio

1.04

Dividend

$0.81

Beta (Volatility)

0.72 (Low)

Price

$4.89

Volume

607

Open

$5.00

Previous Close

$4.89

Daily Range

$4.88 - $5.00

52-Week Range

$3.30 - $20.36

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About X Financial

Industry

Consumer Finance

Employees

643

CEO

Yue Tang, MBA

Headquarters

Shenzhen, 518067, CN

XYF Financials

Key Financial Metrics (TTM)

Gross Margin

54%

Operating Margin

24%

Net Income Margin

22%

Return on Equity

20%

Return on Capital

11%

Return on Assets

10%

Earnings Yield

96.15%

Dividend Yield

16.53%

Payout Ratio

10.57%

Stock Overview

Market Cap

$111.82M

Shares Outstanding

22.82M

Volume

607

Avg. Volume

153.89K

Financials (TTM)

Gross Profit

$5.47B

Operating Income

$1.59B

EBITDA

$1.71B

Operating Cash Flow

$1.47B

Capital Expenditure

$21.88M

Free Cash Flow

$1.45B

Cash & ST Invst.

$3.38B

Total Debt

$409.79M

X Financial Performance Analysis

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q4 2025YOY CHG

Revenue

$1.45B

+17.5%

Gross Profit

$949.18M

+77.3%

Gross Margin

65.57%

N/A

Market Cap

$111.82M

N/A

Market Cap/Employee

$198.61K

N/A

Employees

563

N/A

Net Income

$56.38M

-85.4%

EBITDA

$40.75M

-91.7%

Quarterly Fundamentals

Name
Q4 2025YOY CHG

Net Cash

$2.97B

+14.1%

Accounts Receivable

$3.15B

+53.7%

Inventory

$0.00

N/A

Long Term Debt

$0.00

-100.0%

Short Term Debt

$409.79M

+24.7%

Return on Assets

9.97%

N/A

Return on Invested Capital

11.24%

N/A

Free Cash Flow

$1.45B

N/A

Operating Cash Flow

$1.47B

N/A

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Questions About XYF

What is the current price of X Financial?

X Financial is trading at $4.89 per share.

What is the 52-week range for X Financial?

Over the past 52 weeks, X Financial has traded between $3.30 and $20.36.

How much debt does X Financial have?

As of the most recent reporting period, X Financial reported total debt of $65.14M.

How much cash does X Financial have on hand?

X Financial reported $550.53M in cash and cash equivalents in its most recent financial results.

What is X Financial’s dividend yield?

X Financial currently has a dividend yield of 16.53%.

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