X Financial (XYF)
NYSE:XYF
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XYF Stock Chart & Stats
$7.17
$0.02(0.26%)
At close: 4:00 PM EST
$7.17
$0.02(0.26%)
Day’s Range― - ―
52-Week Range$3.30 - $20.36
Previous CloseN/A
Volume8.56K
Average Volume (3M)131.89K
Market Cap
$198.56M
Enterprise Value-$3.19B
Total Cash (Recent Filing)$3.38B
Total Debt (Recent Filing)$409.79M
Price to Earnings (P/E)0.2
Beta0.80
Next Earnings
Aug 10, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield8.74%
Share Statistics
EPS (TTM)213.24
Shares Outstanding22,249,506
10 Day Avg. Volume116,537
30 Day Avg. Volume131,889
Financial Highlights & Ratios
PEG Ratio0.02
Price to Book (P/B)0.03
Price to Sales (P/S)0.04
P/FCF Ratio0.18
Enterprise Value/Market Cap-16.08
Enterprise Value/Revenue-0.48
Enterprise Value/Gross Profit-0.89
Enterprise Value/Ebitda-1.28
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Conservative Balance SheetVery low leverage and a high equity-to-asset ratio provide structural downside protection and funding optionality. Over the next several months this conservatism preserves liquidity, supports continued operations amid credit stress, and enables strategic responses without urgent refinancing risk.
High-quality Cash GenerationStrong cash conversion means reported earnings are largely supported by cash, enabling sustainable coverage of provisions and operating needs. This durability bolsters the firm's ability to fund operations, buybacks, or reserve builds through cyclical windows over the next several months.
Active Capital Returns And Cost DisciplineOngoing share repurchases combined with meaningful YoY cost cuts demonstrate management emphasis on capital efficiency and shareholder returns. With ample equity and cash, buybacks and disciplined expenses reflect sustainable capital allocation priorities during a multi-month recovery or normalization.
Bears Say
Steep Decline In Originations And ScaleA material contraction in origination volume and active borrowers erodes the core fee and servicing base that drives recurring revenue. Loss of scale can persist for months, worsening unit economics, reducing partner leverage, and limiting ability to restore prior growth without increased marketing spend.
Elevated Mid-to-long Dated DelinquenciesSubstantial rise in longer-dated arrears indicates legacy credit stress that increases expected losses and provisioning needs. This structural deterioration pressures margins, ties up capital in loss reserves, and may constrain origination and funding access over the medium term.
Regulatory Uncertainty In China LendingEvolving regulatory interpretation of internet consumer lending creates a persistent operating risk that can force changes to product, pricing, or funding structures. Such regulatory shifts can shrink addressable market and require business-model adjustments taking months to implement and validate.
X Financial News
XYF FAQ
What was X Financial’s price range in the past 12 months?
X Financial lowest stock price was $3.30 and its highest was $20.36 in the past 12 months.
What is X Financial’s market cap?
X Financial’s market cap is $198.56M.
When is X Financial’s upcoming earnings report date?
X Financial’s upcoming earnings report date is Aug 10, 2026 which is in 58 days.
How were X Financial’s earnings last quarter?
X Financial released its earnings results on May 27, 2026. The company reported $0.139 earnings per share for the quarter, beating the consensus estimate of N/A by $0.139.
Is X Financial overvalued?
According to Wall Street analysts X Financial’s price is currently Overvalued.
Does X Financial pay dividends?
X Financial pays a Quarterly dividend of $0.28 which represents an annual dividend yield of 8.74%. See more information on X Financial dividends here
What is X Financial’s EPS estimate?
X Financial’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does X Financial have?
X Financial has 22,249,506 shares outstanding.
What happened to X Financial’s price movement after its last earnings report?
X Financial reported an EPS of $0.139 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -2.875%.
Which hedge fund is a major shareholder of X Financial?
Currently, no hedge funds are holding shares in XYF
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
X Financial Stock Smart Score
Underperform
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Blogger Sentiment
Bullish
XYF Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 51.9K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▼ 1.0%
Last 30 Days ▼ 4.1%
Last 30 Days ▼ 4.1%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-70.46%
12-Months-Change
Fundamentals
Return on Equity
13.36%
Trailing 12-Months
Asset Growth
18.11%
Trailing 12-Months
Company Description
X Financial
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.
XYF Company Deck
XYF Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Neutral
The call portrays a company managing through a difficult environment with disciplined cost and origination pullbacks that have improved sequential operating metrics and preserved liquidity, but facing substantial year-over-year declines in origination, revenue and earnings alongside worsening longer-dated delinquencies and significant regulatory uncertainty. Positive operational changes and balance sheet strength are counterbalanced by steep declines in scale, elevated provisions versus prior year, and material credit stress.View all XYF earnings summariesTechnical Analysis
Ownership Overview
0.81%
Insiders
0.14% Other Institutional Investors
98.81% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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