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NYSEFinancial ServicesFinancial - Credit Services
Latest quote
$5.29
+$0.21 · +4.13%
Operating in the People's Republic of China, X Financial delivers personal financial solutions, primarily functioning as an online platform that connects individuals seeking funds with potential investors. The company's diverse lending portfolio encompasses the Xiaoying credit loan, which features the Xiaoying card loan component; the Xiaoying preferred loan, specifically tailored for small enterprise owners; and the Xiaoying revolving loan. Beyond these offerings, X Financial also provides the Xiaoying housing loan, a home equity product for property owners. Through its Xiaoying wealth management platform, clients can access various investment vehicles, including loans, money market instruments, and insurance products. Furthermore, the company extends loan facilitation support to other external platforms. X Financial was established in 2014 and maintains its corporate headquarters in Shenzhen, China.
Latest quote
$5.29
+$0.21 · +4.13%
Regular session · ET · Market data may be delayed.
GoAI Score
Hold
Valuation
81
Deep Value
Sentiment
47
Mixed
Risk
61
High Risk
Momentum
24
Weakening
Full GoAI research
Thesis, catalysts, evidence, and risk analysis.
Operating in the People's Republic of China, X Financial delivers personal financial solutions, primarily functioning as an online platform that connects individuals seeking funds with potential investors. The company's diverse lending portfolio encompasses the Xiaoying credit loan, which features the Xiaoying card loan component; the Xiaoying preferred loan, specifically tailored for small enterprise owners; and the Xiaoying revolving loan. Beyond these offerings, X Financial also provides the Xiaoying housing loan, a home equity product for property owners. Through its Xiaoying wealth management platform, clients can access various investment vehicles, including loans, money market instruments, and insurance products. Furthermore, the company extends loan facilitation support to other external platforms. X Financial was established in 2014 and maintains its corporate headquarters in Shenzhen, China.
Day range
Current $5.29
52-week range
Current $5.29
Profitability as a percentage of reported revenue.
Revenue
Operating income
Net income
| Metric (CNY) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 7.43B CNY | 5.87B CNY | 3.28B CNY | 2.32B CNY | 1.51B CNY |
| Cost of goods sold | 1.97B CNY | 1.96B CNY | 1.68B CNY | 1B CNY | 144.95M CNY |
| Gross profit | 5.47B CNY | 3.91B CNY | 1.6B CNY | 1.32B CNY | 1.37B CNY |
| Selling, general, and administrative | 2.4B CNY | 211.66M CNY | 153.94M CNY | 143.23M CNY | 208.69M CNY |
| Operating expenses | 3.87B CNY | 2.04B CNY | 129.59M CNY | 102.51M CNY | 176.18M CNY |
| Interest income | 1.37B CNY | 1.37B CNY | 1.12B CNY | 970.03M CNY | 691.61M CNY |
| Interest expense | — | 1.58B CNY | 1.37B CNY | 833.11M CNY | — |
| Depreciation and amortization | 11.16M CNY | 7.2M CNY | 5.26M CNY | 6.65M CNY | 8.14M CNY |
| Operating income | 1.59B CNY | 1.87B CNY | 1.47B CNY | 1.22B CNY | 1.19B CNY |
| Net income | 1.42B CNY | 1.54B CNY | 1.19B CNY | 812M CNY | 825.41M CNY |
Company facts updated Oct 8, 2026.
Recent quarterly results
Recent quarterly results
Cash distributions grouped by calendar year; partial years are marked.
$0.53
2025 complete year+55.9% since 2024
2026 partial: $0.56
$0.34
2,024
$0.53
2,025
$0.56
2,026*
* Partial calendar year in the available dividend history.
| Action | Ex-dividend date | Details | Record date | Payment date |
|---|---|---|---|---|
Dividend | Sep 10, 2026 | $0.28Semi-Annual | Sep 10, 2026 | Sep 28, 2026 |
Dividend | Apr 30, 2026 | $0.28Semi-Annual | Apr 30, 2026 | May 20, 2026 |
Dividend | Sep 26, 2025 | $0.28Semi-Annual | Sep 26, 2025 | Oct 15, 2025 |
Dividend | Jun 20, 2025 | $0.25Semi-Annual | Jun 20, 2025 | Jul 2, 2025 |
Dividend | Sep 4, 2024 | $0.17Semi-Annual | Sep 4, 2024 | Sep 27, 2024 |
Dividend | May 9, 2024 | $0.17Semi-Annual | May 10, 2024 | May 31, 2024 |
Ex-dividend Sep 10, 2026
$0.28
Semi-Annual
Record Sep 10, 2026 · Payment Sep 28, 2026
Ex-dividend Apr 30, 2026
$0.28
Semi-Annual
Record Apr 30, 2026 · Payment May 20, 2026
Ex-dividend Sep 26, 2025
$0.28
Semi-Annual
Record Sep 26, 2025 · Payment Oct 15, 2025
Ex-dividend Jun 20, 2025
$0.25
Semi-Annual
Record Jun 20, 2025 · Payment Jul 2, 2025
Ex-dividend Sep 4, 2024
$0.17
Semi-Annual
Record Sep 4, 2024 · Payment Sep 27, 2024
Ex-dividend May 9, 2024
$0.17
Semi-Annual
Record May 10, 2024 · Payment May 31, 2024
Funds reporting this stock among their holdings, ordered by reported position size.
AI-generated and delayed market data for informational and educational purposes only. Not investment advice.
