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X Financial (XYF)
NYSE:XYF
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$5.00 - $20.36
Previous CloseN/A
Volume8.56K
Average Volume (3M)236.62K
Market Cap
$219.34M
Enterprise Value-$70.68M
Total Cash (Recent Filing)$890.85M
Total Debt (Recent Filing)$566.38M
Price to Earnings (P/E)0.9
Beta0.50
Next Earnings
Apr 01, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield8.74%
Share Statistics
EPS (TTM)1.41
Shares Outstanding25,942,728
10 Day Avg. Volume273,741
30 Day Avg. Volume236,618
Financial Highlights & Ratios
PEG Ratio0.06
Price to Book (P/B)0.42
Price to Sales (P/S)0.50
P/FCF Ratio1.94
Enterprise Value/Market Cap-0.32
Enterprise Value/Revenue-0.01
Enterprise Value/Gross Profit-0.02
Enterprise Value/Ebitda-0.02
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
Sustained Revenue GrowthVery strong multi-year revenue expansion (66.27% in the latest year) demonstrates durable platform demand and borrower adoption. Sustained top-line growth supports scale economics, recurring interest and fee income, and provides runway to invest in credit controls and product improvements over coming quarters.
High Operating MarginsExceptionally high gross and operating margins indicate a scalable, technology-driven model with low incremental cost per loan. Margin resilience gives the company room to absorb elevated credit costs or invest in risk controls without immediately eroding profitability across the next several quarters.
Strong Cash GenerationRobust cash conversion (OCF/NetIncome ~2.05 and FCF near parity with income) indicates healthy cash generation versus accounting earnings. This strengthens liquidity, funds loan facilitation and provisioning, and reduces dependency on external funding, supporting durable operational flexibility over the medium term.
Bears Say
Rising Delinquency RatesIncreasing short- and mid‑term delinquency rates signal worsening credit performance that can materially raise provision needs and loss severity. Persistently higher delinquencies will pressure underwriting, require more conservative origination, and could reduce recoverable yields over the next several quarters.
Sequential Revenue Decline / Moderated OriginationA deliberate pullback that produced a 13.7% sequential revenue decline reflects regulatory-driven moderation in loan origination. Slower origination constrains revenue growth and scale benefits, making margin preservation and customer retention more challenging across the coming 2-6 months.
Earnings Pressure From ProvisionsHigher provisions and guarantee liabilities materially reduced sequential net income, directly eroding capital available for growth and shareholder returns. If elevated credit costs persist, they will limit earnings recovery and necessitate stricter underwriting or higher capital buffers over the medium term.
X Financial News
XYF FAQ
What was X Financial’s price range in the past 12 months?
X Financial lowest stock price was $5.00 and its highest was $20.36 in the past 12 months.
What is X Financial’s market cap?
X Financial’s market cap is $219.34M.
When is X Financial’s upcoming earnings report date?
X Financial’s upcoming earnings report date is Apr 01, 2026 which is in 56 days.
How were X Financial’s earnings last quarter?
X Financial released its earnings results on Nov 20, 2025. The company reported $1.405 earnings per share for the quarter, beating the consensus estimate of N/A by $1.405.
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 $0.272 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 25,942,728 shares outstanding.
What happened to X Financial’s price movement after its last earnings report?
X Financial reported an EPS of $1.405 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -15.697%.
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 ▼ 5.1%
Last 30 Days ▼ 3.4%
Last 30 Days ▼ 3.4%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-32.03%
12-Months-Change
Fundamentals
Return on Equity
23.70%
Trailing 12-Months
Asset Growth
24.59%
Trailing 12-Months
Company Description
X Financial
X Financial provides personal finance services in the People's Republic of China. The company offers services as an online marketplace connecting borrowers and investors. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners, as well as Xiaoying revolving loan. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as loans, money market, and insurance products; and loan facilitation services to other platforms. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.
XYF Company Deck
XYF Earnings Call
Q3 2025
0:00 / 0:00
Earnings Call Sentiment|Neutral
The earnings call highlighted X Financial's solid year-over-year revenue growth and strong balance sheet, but also pointed out significant challenges including sequential revenue decline, increased delinquency rates, and reduced net income. The company is adopting a cautious approach in response to regulatory pressures, with a focus on asset quality and risk management.View all XYF earnings summariesTechnical Analysis
Ownership Overview
―
Insiders
0.03% Mutual Funds
0.05% Other Institutional Investors
99.62% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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