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X Financial(NYSE) XYF

Market Cap$125.05MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2018)-81%
5 Year+27%
1 Year-52%
1 Month+18%
$5.45
+2.25%
+0.12Today
After hours$5.50+$0.05 (+0.92%)
X Financial last closing stock price
MetricPriceDate
Last closeUSD 5.482026-08-19
X Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+4.58%USD 5.242026-08-12
1 month+18.1%USD 4.642026-07-20
3 month+9.38%USD 5.012026-05-21
Year to date+3.74%USD 5.282025-12-31
1 year-51.88%USD 11.392025-08-19
3 year+78.37%USD 3.072023-08-18
5 year+26.93%USD 4.322021-08-20
Since inception-81%USD 28.842018-09-19

X Financial Financials at a Glance

Market Cap

$125.05MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

CN¥6.85B

Net Income (TTM)

CN¥1.04B

EPS (TTM)

$3.41

P/E Ratio

1.61

Dividend

$0.56

Beta (Volatility)

0.77 (Low)

Price

$5.45

Volume

35,378.849

Open

$5.41

Previous Close

$5.48

Daily Range

$5.25 - $5.50

52-Week Range

$3.30 - $16.40

Estimated Earnings Date

Aug 18, 2026

XYF News

Generic upward stock move Getty

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About X Financial

X Financial operates in the People's Republic of China, providing personal financial solutions through an online platform that connects individuals seeking funds with potential investors. Established in 2014, the company offers a diverse lending portfolio and wealth management services, catering to various financial needs.

Products and Services
  • Xiaoying credit loan, including Xiaoying card loan
  • Xiaoying preferred loan for small enterprise owners
  • Xiaoying housing loan for property owners
Growth Outlook
  • Revenue growth of 16% year-over-year in Q1 2026
  • Strong demand for Xiaoying loans driving portfolio expansion
  • Plans to enhance digital platform capabilities for better user experience
Financial Highlights
  • Net income of CNY 37.9 million in Q1 2026
  • Gross profit margin of 58.7% in Q1 2026
  • Dividend yield of 10.51% based on trailing twelve months
X Financial's innovative approach to personal finance positions it well within the growing financial services sector in China. The company's focus on technology-driven solutions and a diverse product offering enhances its competitive edge. Recent financial performance indicates a solid foundation for future growth, with increasing revenues and a strong profit margin. The attractive dividend yield further underscores the company's commitment to returning value to shareholders. Overall, X Financial presents a compelling opportunity for investors interested in the evolving landscape of financial services in China.
AI Generated • Aug 19, 2026

Industry

Consumer Finance

Sector

Financials

Employees

643

CEO

Yue Tang, MBA

Website

www.xiaoyinggroup.com

Headquarters

Shenzhen, GD 518067, CN

XYF Financials

Key Financial Metrics (TTM)

Gross Margin

69.04%

Operating Margin

17.33%

Net Income Margin

15.23%

Return on Equity

13.37%

Return on Capital

17.68%

Return on Assets

7.70%

Earnings Yield

62.11%

Dividend Yield

10.22%

Payout Ratio

14.83%

Stock Overview

Market Cap

$125.05MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

22.82M

Volume

35.38K

Avg. Volume

74.33K

Financials (TTM)

Gross Profit

CN¥4.73B

Operating Income

CN¥1.19B

EBITDA

CN¥2.05B

Operating Cash Flow

CN¥1.47B

Capital Expenditure

-CN¥21.88M

Free Cash Flow

CN¥1.45B

Cash & ST Invst.

CN¥3.77B

Total Debt

CN¥352.55M

X Financial Performance Analysis

X Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31CNY 529,121,097-5.9%
20232023-12-31CNY 679,585,68728.4%
20242024-12-31CNY 815,885,86820.1%
20252025-12-31CNY 1,062,736,26330.3%
X Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3017.3%
Q32025-09-30-13.7%
Q42025-12-31-26.2%
Q12026-03-31-19.2%
X Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31CNY 2.24-1.5%
20232023-12-31CNY 3.4654.0%
20242024-12-31CNY 4.3826.6%
20252025-12-31CNY 4.9012.0%
X Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-3013.6%
Q32025-09-30-16.0%
Q42025-12-31-86.1%
Q12026-03-31-31.4%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

CN¥1.17B

-39.7%

Gross Profit

CN¥686.60M

-52.9%

Gross Margin

58.73%

N/A

Market Cap

$125.05MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$194.48K

N/A

Employees

643

N/A

Net Income

CN¥37.72M

-91.8%

EBITDA

CN¥111.54M

-80.1%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

CN¥3.77B

+171.0%

Total Debt

CN¥352.55M

-41.6%

Accounts Receivable

CN¥6.82B

+2.9%

Inventory

CN¥0.00

N/A

Long Term Debt

CN¥0.00

N/A

Short Term Debt

CN¥352.55M

-41.6%

Return on Assets

7.70%

N/A

Return on Invested Capital

8.99%

N/A

Free Cash Flow

CN¥0.00

N/A

Operating Cash Flow

CN¥0.00

N/A

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Questions About XYF

What is the current price of X Financial?

X Financial is trading at $5.48 per share.

What is the 52-week range for X Financial?

Over the past 52 weeks, X Financial has traded between $3.30 and $16.40.

How much debt does X Financial have?

As of the most recent reporting period, X Financial reported total debt of CN¥51.22M.

How much cash does X Financial have on hand?

X Financial reported CN¥547.07M 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 10.22%.

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