X Financial XYF Stock Analysis
- NYSE
- Stock
- Market closed · opens Monday 9:30 AM ET
$5.75 up $1.05, 22.34% at close Nov 6
Last close · Previous close $4.70
- Market cap
- At the Nov 6 close
- P/E ratio
- 2.71On last 12 months’ EPS
- Diluted EPS
- $2.12Last 12 months
- Dividend yield
- 9.74%Last 12 months
Price chart
$5.75up $0.67, 13.19%Past month
Use the left and right arrow keys to move along the chart.
Price data
Trading
- Previous close$4.70Nov 5
- Volume436.77KNov 6 session
Shares traded on all US exchanges in the last completed session. Live intraday volume covers IEX only, so it is left out.
- Avg. volume63.32KLast 21 sessions
The average daily shares traded over the last 21 trading sessions, about one calendar month.
- 52-week range: $3.30 to $12.57; now $5.75
The lowest and highest trades over the past 52 weeks, adjusted for splits. The marker shows the latest price.
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Performance
Past performance, measured to the Nov 6 close. Total return includes reinvested dividends.Price change only, without dividends. Compared with the S&P 500, using SPY.
XYF beat the S&P 500 in 4 of 6 periods.
| Period | XYF and S&P 500 | vs S&P 500 |
|---|---|---|
| Short term | ||
| 1M | XYF: up 13.2% S&P 500: down 5.6% | XYF beat the S&P 500 by 18.8 percentage points Beat |
| 3M | XYF: up 16.3% S&P 500: down 4.1% | XYF beat the S&P 500 by 20.4 percentage points Beat |
| YTD | XYF: up 14.7% S&P 500: up 8.7% | XYF beat the S&P 500 by 6.0 percentage points Beat |
| 1Y | XYF: down 46.7% S&P 500: up 10.9% | XYF trailed the S&P 500 by 57.6 percentage points Trailed |
| Long term | ||
| 3Y | XYF: up 76.4% S&P 500: up 75.0% +20.8% vs +20.5% a year | XYF beat the S&P 500 by 1.4 percentage points Beat |
| 5Y | XYF: up 63.5% S&P 500: up 67.8% +10.3% vs +10.9% a year | XYF trailed the S&P 500 by 4.3 percentage points Trailed |
$10,000 invested in XYF 5 years ago (Nov 5, 2021) would be worth about $16,349 at the close on , with dividends reinvested. The same amount in the S&P 500 would be worth about $16,782.
XYF beat the S&P 500 in 2 of 6 periods.
| Period | XYF and S&P 500 | vs S&P 500 |
|---|---|---|
| Short term | ||
| 1M | XYF: up 13.2% S&P 500: down 5.6% | XYF beat the S&P 500 by 18.8 percentage points Beat |
| 3M | XYF: up 10.4% S&P 500: down 4.3% | XYF beat the S&P 500 by 14.7 percentage points Beat |
| YTD | XYF: up 2.7% S&P 500: up 7.8% | XYF trailed the S&P 500 by 5.1 percentage points Trailed |
| 1Y | XYF: down 52.3% S&P 500: up 9.7% | XYF trailed the S&P 500 by 62.0 percentage points Trailed |
| Long term | ||
| 3Y | XYF: up 40.9% S&P 500: up 68.8% +12.1% vs +19.1% a year | XYF trailed the S&P 500 by 27.9 percentage points Trailed |
| 5Y | XYF: up 25.5% S&P 500: up 56.9% +4.7% vs +9.4% a year | XYF trailed the S&P 500 by 31.4 percentage points Trailed |
$10,000 invested in XYF 5 years ago (Nov 5, 2021) would be worth about $12,555 at the close on , not counting dividends. The same amount in the S&P 500 would be worth about $15,694.
All-time high
$35.91
Closing high on . Now 84.0% below that record.
Split-adjusted daily closes since Sep 19, 2018.
Stock splits
1
1-for-3 on . Share counts adjust after each split.
Valuation
Financials
Reported results, not forecasts. From company filings via Tiingo; the latest report is Q2 FY26, the quarter ended Jun 30, 2026. “Last 12 months” means the four quarters from Jul 1, 2025 to Jun 30, 2026, and balance-sheet figures are as of Jun 30, 2026.
Revenue and net income
Last 12 months, with the change from the 12 months before
- Revenue
- $802.11Mdown 23.2%
- Net income
- $79.76Mdown 67.2%
- Diluted EPS
- $2.12down 60.5%
Data table
| Period | Revenue | Net income | Diluted EPS |
|---|---|---|---|
| Q3 FY24 (Sep 30, 2024) | $225.49M | $53.55M | $1.10 |
| Q4 FY24 (Dec 31, 2024) | $234.14M | $52.84M | $1.13 |
| Q1 FY25 (Mar 31, 2025) | $266.98M | $63.13M | $1.46 |
| Q2 FY25 (Jun 30, 2025) | $317.30M | $73.70M | $1.68 |
| Q3 FY25 (Sep 30, 2025) | $275.45M | $59.17M | $1.42 |
| Q4 FY25 (Dec 31, 2025) | $209.81M | $8.17M | $0.38 |
| Q1 FY26 (Mar 31, 2026) | $170.60M | $5.50M | $0.14 |
| Q2 FY26 (Jun 30, 2026) | $146.24M | $6.92M | $0.19 |
| Period | Revenue | Net income | Diluted EPS |
|---|---|---|---|
| FY21 (Dec 31, 2021) | $569.13M | $129.54M | $2.31 |
| FY22 (Dec 31, 2022) | $511.70M | $116.62M | $2.17 |
| FY23 (Dec 31, 2023) | $677.48M | $166.99M | $3.44 |
| FY24 (Dec 31, 2024) | $804.57M | $211.00M | $4.32 |
| FY25 (Dec 31, 2025) | $1.09B | $209.34M | $5.03 |
Margins
- Gross 45.6%
- Operating 13.1%
- Net 9.9%
The percentages above the chart cover the last 12 months; the lines show each quarter. What margins tell you
Cash flow
- Not reportedLast 12 months
Cash from operations minus capital spending: the cash left after the business maintains and grows its assets.
FCF = Operating cash flow − Capital spendingFree cash flow - Operating cash flowNot reportedLast 12 months
- Capital spendingNot reportedLast 12 months
Shareholder returns
- Not reportedLast 12 months
Cash spent repurchasing shares, net of shares issued. Buybacks shrink the share count, so each remaining share owns more of the company.
- Dividends paidNot reportedLast 12 months
Balance sheet
- Not reportedAs of Jun 30, 2026
Cash plus short- and long-term marketable securities on the Jun 30, 2026 balance sheet.
- Total debt$291.44MAs of Jun 30, 2026
- 0.26As of Jun 30, 2026
Total debt divided by shareholders’ equity on the Jun 30, 2026 balance sheet: a measure of financial leverage.
D/E = Total debt ÷ Shareholders’ equityDebt-to-equity ratio
Financial strength
- 7.1%Last 12 months
Over the last 12 months, X Financial’s net income was 7.1% of its shareholders’ equity (averaged over the last four quarter-ends). It describes the past year, not an expected return.
ROE = Net income (last 12 months) ÷ Average equityReturn on equity - 4.0%Last 12 months
Over the last 12 months, X Financial’s net income was 4.0% of its total assets (averaged over the last four quarter-ends): what the business earned on everything it owns.
ROA = Net income (last 12 months) ÷ Average total assets
Dividends
Cash dividends per share by ex-dividend year, adjusted for splits.
Dividends per share
Data table
| Year | Per share |
|---|---|
| 2016 | $0.000 |
| 2017 | $0.000 |
| 2018 | $0.000 |
| 2019 | $0.30 |
| 2020 | $0.000 |
| 2021 | $0.000 |
| 2022 | $0.000 |
| 2023 | $0.17 |
| 2024 | $0.34 |
| 2025 | $0.53 |
| 2026 (to date) | $0.56 |
Dividend details
- $0.56Per share, last 12 months
Cash dividends per share with ex-dividend dates in the last 12 months.
- Dividend yield9.74%Last 12 months
- $0.28Ex-dividend
The most recent payment per share. Shares bought on or after the ex-dividend date don’t receive it.
- FrequencyQuarterly2 payments in the last 12 months
- 26.4%Last 12 months
The share of earnings paid out as dividends over the last 12 months. Lower ratios leave more room to reinvest or raise the dividend.
Payout = Dividends per share ÷ Diluted EPS (both last 12 months)Payout ratio calculator
About X Financial
X Financial (the "Company") is a leading Chinese fintech platform. The Company is committed to connecting borrowers on its platform with its institutional funding partners. With its proprietary big data-driven technology, the Company has established strategic partnerships with financial institutions across multiple areas of its business operations, enabling it to facilitate and originate loans to prime borrowers under a risk assessment and control system.
- Sector
- Financial Services
- Industry
- Credit Services
- Headquarters
- China
- SEC filings
- EDGAR (opens in a new tab)
- Exchange
- NYSE
- Asset type
- Common stock
- Price history since
XYF news
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XYF stock FAQ
What is XYF stock’s price today?
X Financial (XYF) traded at $5.75 at the close on , up $1.05 (22.34%) from the previous close of $4.70. Over the past 52 weeks it has traded between $3.30 and $12.57.
If you invested $1,000 in XYF 5 years ago, how much would you have now?
With dividends reinvested, $1,000 invested in XYF on would be worth about $1,635 at the close on , a total return of +63.5%. The same $1,000 would be worth $533 if invested one year ago. Past performance doesn’t predict future returns.
What is XYF’s P/E ratio?
XYF trades at 2.7 times its diluted earnings over the four quarters to ($2.12 per share), at the close. (How the P/E ratio works.)
How much revenue does X Financial make?
X Financial reported $802.1 million of revenue over the four quarters to , down 23.2% from the twelve months before. In its latest quarter (Q2 FY26, ended ) revenue was $146.2 million, down 53.9% from a year earlier.
Is X Financial profitable?
Yes. X Financial earned $79.8 million of net income over the four quarters to , a net margin of 9.9%, and its operating margin was 13.1% (what margins tell you).
What are XYF’s earnings per share?
XYF’s diluted earnings per share were $2.12 over the four quarters to , compared with $5.37 in the twelve months before. The latest quarter (Q2 FY26) brought $0.19 per share, against $1.68 a year earlier (how EPS works).
Does XYF pay a dividend?
Yes. X Financial pays a quarterly dividend. The most recent was $0.28 per share, with an ex-dividend date of . Over the last twelve months it paid $0.56 per share, a 9.74% yield at the close (how dividend yield works).
Based on the last 12 months’ payments ($0.56 per share), and if the next 12 months match the last 12, 100 shares would receive about $56 over 12 months, and $1,000 over 12 months would take about 1,786 shares, roughly $10,270 at the close. Dividends can change.
What is XYF’s 52-week high and low?
Over the past 52 weeks XYF has traded as low as $3.30 and as high as $12.57. At $5.75 at the close on , it is 54.2% below that high and 74.2% above the low.
What is XYF’s all-time high?
XYF’s highest closing price was $35.91 on , adjusted for stock splits. At $5.75 at the close on , it is 84.0% below that record.
Has XYF stock ever split?
Yes, once: 1-for-3 on .
How has XYF stock performed?
Including dividends and measured to the close on , XYF has returned +14.7% so far this year and −46.7% over the past year, and +63.5% over five years (+10.3% a year). Over the same periods the S&P 500, measured by SPY, returned +8.7%, +10.9% and +67.8%. Past performance doesn’t predict future returns.
What sector and industry is X Financial in?
X Financial is in the Financial Services sector and the Credit Services industry, and is headquartered in China.
What exchange does XYF trade on?
X Financial trades on the NYSE under the ticker symbol XYF. Its price history on this dashboard begins on .
Member SIPC.Low CommissionsLearn More (opens in a new tab)Sponsored. Affiliate link: I may earn a commission. The inclusion of Interactive Brokers’ (IBKR) name, logo or weblink is present pursuant to an advertising arrangement only. IBKR is not a contributor, reviewer, provider or sponsor of content published on this site, and is not responsible for the accuracy of any products or services discussed.
About this data. Data sourced by Tiingo (opens in a new tab). The live price is Tiingo’s real-time price, based on IEX trades and quotes; intraday charts show IEX trades, and volume figures are consolidated totals for completed sessions. Prices are split-adjusted, and total returns assume dividends are reinvested. Financials come from company filings and can lag new reports. Times are Eastern.
This page is for education, not investment advice. Past performance doesn't predict future returns. Logos provided by Logo.dev (opens in a new tab).
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