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X Financial (XYF)

4.8000 -0.0400 (-0.83%)
As of 10:29:10 AM EST. Market Open.
Trade XYF on Coinbase
Chart Range Bar
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  • Previous Close 4.8400
  • Open 4.7800
  • Bid --
  • Ask --
  • Day's Range 4.7500 - 4.9999
  • 52 Week Range 3.3000 - 12.5700
  • Volume 41,258
  • Avg. Volume 58,912
  • Market Cap (intraday) 177.28M
  • Beta (5Y Monthly) 0.41
  • PE Ratio (TTM) 2.32
  • EPS (TTM) 2.0900
  • Earnings Date (est.) Nov 26, 2026
  • Forward Dividend & Yield 0.56 (11.57%)
  • 1y Target Est --
  • Motley Fool Rating Bearish

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

Recent News

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Performance Overview

Trailing total returns as of 11/3/2026, which may include dividends or other distributions. Benchmark is MSCI WORLD (^990100-USD-STRD) .

YTD Return

XYF
6.49%
MSCI WORLD (^990100-USD-STRD)
9.29%

1-Year Return

XYF
56.73%
MSCI WORLD (^990100-USD-STRD)
10.18%

3-Year Return

XYF
47.42%
MSCI WORLD (^990100-USD-STRD)
67.91%

5-Year Return

XYF
29.01%
MSCI WORLD (^990100-USD-STRD)
50.73%

Earnings Trends

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Earnings Per Share

Revenue vs. Earnings

Annual
Quarterly
Annual
Quarterly
Q1 FY19
Revenue 776.42M
Earnings 213.6M
Profit Margin 27.51%

Q3

FY18

Q1

FY19

0
200M
400M
600M
26.0%
26.5%
27.0%
27.5%

Statistics

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Valuation Measures

Annual
  • Market Cap

  • Enterprise Value

  • Trailing P/E

  • Forward P/E

  • PEG Ratio (current)

  • Price/Sales (ttm)

  • Price/Book (mrq)

  • Enterprise Value/Revenue

  • Enterprise Value/EBITDA

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)

    2.0900

Balance Sheet and Cash Flow

  • Total Cash (mrq)

    1.13B

  • Total Debt/Equity (mrq)

    5.48%

  • Levered Free Cash Flow (ttm)

    --

Company Insights

Research Reports

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