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X Financial (XYF)

5.40 +0.14 (+2.66%)
At close: 4:00:02 PM EDT
5.40 0.00 (0.00%)
After hours: 5:05:00 PM EDT
Trade XYF on Coinbase
Dividend
XYF announced a cash dividend of $0.28 with an ex-date of Sep. 10, 2026
Chart Range Bar
Loading chart for XYF
  • Previous Close 5.26
  • Open 5.26
  • Bid 5.35 x 1080000
  • Ask 5.38 x 170000
  • Day's Range 5.21 - 5.40
  • 52 Week Range 3.30 - 15.96
  • Volume 76,546
  • Avg. Volume 64,890
  • Market Cap (intraday) 207.987M
  • Beta (5Y Monthly) --
  • PE Ratio (TTM) 2.45
  • EPS (TTM) 2.20
  • Earnings Date (est.) Nov 26, 2026
  • Forward Dividend & Yield 0.56 (10.65%)
  • Ex-Dividend Date Sep 10, 2026
  • 1y Target Est --

X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. The company offers Xiaoying credit loans, which are online personal credit loan products comprising Xiaoying card loans and other unsecured loan products; and Xiaoying housing loans, a secured home equity loan product. It also provides guarantee, consulting, e-commerce, and microcredit services. In addition, the company engages in the technology development and service, as well as the sale of products. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.

ir.xiaoyinggroup.com

643

Full Time Employees

December 31

Fiscal Year Ends

Credit Services

Industry

Performance Overview

Trailing total returns as of 8/27/2026, which may include dividends or other distributions. Benchmark is MSCI WORLD (^990100-USD-STRD) .

YTD Return

XYF
0.96%
MSCI WORLD (^990100-USD-STRD)
12.71%

1-Year Return

XYF
62.09%
MSCI WORLD (^990100-USD-STRD)
19.44%

3-Year Return

XYF
60.81%
MSCI WORLD (^990100-USD-STRD)
0.00%

5-Year Return

XYF
31.69%
MSCI WORLD (^990100-USD-STRD)
59.35%

Earnings Trends

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Earnings Per Share

Revenue vs. Earnings

Annual
Quarterly
Annual
Quarterly
Q1 FY19
Revenue 776.42M
Earnings 208.96M
Profit Margin 26.91%

Q3

FY18

Q1

FY19

0
200M
400M
600M
800M
24.0%
25.0%
26.0%

Statistics

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Valuation Measures

Annual
As of 8/26/2026
  • Market Cap

    202.60M

  • Enterprise Value

    93.18M

  • Trailing P/E

    2.40

  • Forward P/E

    --

  • PEG Ratio (5yr expected)

    --

  • Price/Sales (ttm)

    0.25

  • Price/Book (mrq)

    0.18

  • Enterprise Value/Revenue

    0.11

  • Enterprise Value/EBITDA

    0.87

Financial Highlights

Profitability and Income Statement

  • Profit Margin

    10.06%

  • Return on Assets (ttm)

    14.17%

  • Return on Equity (ttm)

    7.28%

  • Revenue (ttm)

    5.6B

  • Net Income Avi to Common (ttm)

    563.34M

  • Diluted EPS (ttm)

    2.20

Balance Sheet and Cash Flow

  • Total Cash (mrq)

    1.13B

  • Total Debt/Equity (mrq)

    5.11%

  • Levered Free Cash Flow (ttm)

    --

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Company Insights

Fair Value

5.40 Current

Dividend Score

0 Low
Sector Avg.
100 High

Hiring Score

0 Low
Sector Avg.
100 High

Insider Sentiment Score

0 Low
Sector Avg.
100 High

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