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X Financial(NYSE) XYF

Market Cap$112.73MMarket 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)-83%
5 Year-18%
1 Year-63%
1 Month+1%
$4.96
-1.20%
-0.06Today
After hours$4.93-$0.03 (-0.61%)
X Financial last closing stock price
MetricPriceDate
Last closeUSD 4.942026-07-31
X Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+3.13%USD 4.792026-07-24
1 month+0.82%USD 4.902026-07-01
3 month+2.7%USD 4.812026-05-01
Year to date-6.49%USD 5.282025-12-31
1 year-62.86%USD 13.302025-07-31
3 year+27.03%USD 3.892023-08-01
5 year-17.77%USD 6.012021-07-30
Since inception-82.87%USD 28.842018-09-19

X Financial Financials at a Glance

Market Cap

$112.73MMarket 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

1.45

Dividend

$0.56

Beta (Volatility)

0.75 (Low)

Price

$4.96

Volume

29,594

Open

$5.05

Previous Close

$4.94

Daily Range

$4.91 - $5.14

52-Week Range

$3.30 - $16.40

Estimated Earnings Date

Aug 10, 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.

Products and Services
  • Xiaoying credit loan, including the 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 the latest quarter
  • Strong demand for personal loans in the Chinese market
  • Expansion of wealth management services expected to drive future growth
Financial Highlights
  • Recent quarterly revenue of 1.17 billion CNY, up from 1.45 billion CNY
  • Net income margin of 3.23% in the latest quarter
  • Dividend yield of 12.07% reflects strong shareholder returns
X Financial's diverse product offerings cater to a wide range of customer needs, from personal loans to wealth management solutions. The company's recent revenue growth indicates a robust demand for its services, particularly in the context of China's evolving financial landscape. The strong net income margin highlights operational efficiency, while the attractive dividend yield underscores a commitment to returning value to shareholders. As the company continues to expand its services and adapt to market demands, it presents a compelling opportunity for potential investors.
AI Generated • Jul 20, 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

68.97%

Dividend Yield

11.34%

Payout Ratio

14.83%

Stock Overview

Market Cap

$112.73MMarket 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

29.59K

Avg. Volume

90.01K

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

$112.73MMarket 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

$175.32K

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¥1.45B

N/A

Operating Cash Flow

CN¥1.47B

N/A

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Questions About XYF

What is the current price of X Financial?

X Financial is trading at $4.94 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 11.34%.

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