X Financial
(NYSE) XYF
X Financial Financials at a Glance
Market Cap
$109.76M
Revenue (TTM)
CN¥6.34B
Net Income (TTM)
CN¥1.04B
EPS (TTM)
$3.41
P/E Ratio
1.41
Dividend
$0.81
Beta (Volatility)
0.73 (Low)
Dividend
$0.81
Beta (Volatility)
0.73 (Low)
Price
$4.83
Volume
58,643
Open
$4.71
Price
$4.83
Volume
58,643
Open
$4.71
Previous Close
$4.81
Daily Range
$4.71 - $4.88
52-Week Range
$3.30 - $20.36
Estimated Earnings Date
Aug 17, 2026
Dividend
$0.81
Beta (Volatility)
0.73 (Low)
Price
$4.83
Volume
58,643
Open
$4.71
Previous Close
$4.81
Daily Range
$4.71 - $4.88
52-Week Range
$3.30 - $20.36
Estimated Earnings Date
Aug 17, 2026
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Get Access NowAbout X Financial
Industry
Consumer Finance
Sector
FinancialsEmployees
643
CEO
Yue Tang, MBA
Website
www.xiaoyinggroup.comHeadquarters
Shenzhen, 518067, CN
XYF Financials
Key Financial Metrics (TTM)
Gross Margin
58%
Operating Margin
19%
Net Income Margin
16%
Return on Equity
14%
Return on Capital
9%
Return on Assets
8%
Earnings Yield
70.92%
Dividend Yield
16.84%
Payout Ratio
14.83%
Stock Overview
Market Cap
$109.76M
Shares Outstanding
22.82M
Volume
58.64K
Avg. Volume
155.34K
Financials (TTM)
Gross Profit
CN¥5.47B
Operating Income
CN¥1.59B
EBITDA
CN¥1.72B
Operating Cash Flow
CN¥1.47B
Capital Expenditure
-CN¥21.88M
Free Cash Flow
CN¥1.45B
Cash & ST Invst.
CN¥3.38B
Total Debt
CN¥1.17B
X Financial Performance Analysis
Revenue Growth Rate
Annual and quarterly growth comparisonEarnings Per Share Growth Rate
Annual and quarterly EPS growth comparisonQuarterly Performance
Revenue
CN¥1.17B
-19.4%
Gross Profit
CN¥686.60M
+13.3%
Gross Margin
58.73%
N/A
Market Cap
$109.76M
N/A
Market Cap/Employee
$194.96K
N/A
Employees
563
N/A
Net Income
CN¥37.72M
-91.8%
EBITDA
CN¥111.54M
-79.9%
Quarterly Fundamentals
Total Cash
CN¥3.77B
+7.1%
Total Debt
CN¥352.55M
-41.6%
Accounts Receivable
CN¥6.82B
+182.9%
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
9.00%
N/A
Free Cash Flow
CN¥1.45B
N/A
Operating Cash Flow
CN¥1.47B
N/A