X Financial
XYFNYSEFinancial ServicesFinancial - Credit Services
Previous close
$5.39
−$0.11 · -2.00%
XYF company overview
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GoAI score
Hold
Wait — insufficient conviction to act
Valuation
81
Deep Value
Momentum
24
Weakening
Sentiment
47
Mixed
Risk resilience
39
High Risk
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Company profile
Company websiteOperating 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.
- Industry
- Financial - Credit Services
- Sector
- Financial Services
- Headquarters
- CN
- CEO
- Yue Tang
- Listed since
- Sep 19, 2018
- Employees
- 643
Market position
Day range
Current $5.39
52-week range
Current $5.39
- Open
- $5.57
- Previous close
- $5.50
- Volume
- 71.48K
- 0.78× average
- Average volume
- 91.41K
- Average daily volume
- Market cap
- 35.85M USD
- Beta
- 0.46
- Market reference 1
- 50-day average
- $4.9818
- +8.19% above average
- 200-day average
- $5.6746
- -5.01% below average
Financials
Financial snapshot
Latest / TTMValuation & yield
- Enterprise value
- 446.45M CNY
- P/E (TTM)
- 0.24×
- P/B (TTM)
- 0.03×
- P/S (TTM)
- 0.04×
- EV / EBITDA
- 0.26×
- Earnings yield
- 536.83%
- Free cash flow yield
- 544.74%
- Dividend yield
- 10.39%
Profitability & efficiency
- Gross margin
- 69.04%
- Operating margin
- 17.33%
- Net margin
- 15.23%
- Return on equity
- 18.18%
- Return on assets
- 9.71%
- Return on invested capital
- 14.55%
Financial health
- Debt / equity
- 0.05×
- Current ratio
- 2.07×
- Altman Z-score
- 2.11
- Piotroski F-score
- 7 of 9
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
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 Aug 24, 2026.
Earnings
- EPS beat rate
- 100%
- 8 beats, 0 misses, 0 met estimates
- Average EPS surprise
- +324.86%
- 8 comparable reports
- Latest EPS result
- 0.3
- Estimate 0.29 · Beat by 3.31%
EPS: actual versus estimate
Recent quarterly results
Revenue: actual versus estimate
Recent quarterly results
XYF news
Corporate actions
Annual dividends per share
Cash distributions grouped by calendar year; partial years are marked.
$0.53
2025 complete year+55.9% since 2024
2026 partial: $0.28
$0.34
2,024
$0.53
2,025
$0.28
2,026*
* Partial calendar year in the available dividend history.
Corporate action history
| Action | Ex-dividend date | Details | Record date | Payment date |
|---|---|---|---|---|
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 |
Dividend | Sep 18, 2023 | $0.17Special | Sep 19, 2023 | Oct 18, 2023 |
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
Ex-dividend Sep 18, 2023
$0.17
Special
Record Sep 19, 2023 · Payment Oct 18, 2023
XYF peers
ETFs holding XYF
Funds reporting this stock among their holdings, ordered by reported position size.
ActivePassive International Equity ETFAPIE- Market value
- 155.28K
- Weight
- 0.01%
- AUM
- 953.79M USD
- Expense ratio
- 0.45%
- Price / 1D
- $39.766+1.16%
State Street SPDR S&P Emerging Markets Small Cap ETFEWX- Market value
- 114.04K
- Weight
- 0.02%
- AUM
- 685.65M USD
- Expense ratio
- 0.65%
- Price / 1D
- $72.22+0.25%
Avantis Emerging Markets Equity ETFAVEM- Market value
- 7.01K
- Weight
- —
- AUM
- 27.89B USD
- Expense ratio
- 0.33%
- Price / 1D
- $94.24+0.75%
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