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)181.40K
Market Cap
$195.43M
Enterprise Value-$1.49B
Total Cash (Recent Filing)$3.38B
Total Debt (Recent Filing)$409.79M
Price to Earnings (P/E)0.2
Beta0.77
Next Earnings
May 27, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield8.74%
Share Statistics
EPS (TTM)213.42
Shares Outstanding25,942,728
10 Day Avg. Volume158,470
30 Day Avg. Volume181,395
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-7.65
Enterprise Value/Revenue-0.23
Enterprise Value/Gross Profit-0.41
Enterprise Value/Ebitda-0.60
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 meaningful equity growth provide durable financial flexibility. A conservatively capitalized balance sheet helps absorb credit stress, preserves room to maintain operations or buybacks, and materially reduces bankruptcy and refinancing risk over a 2–6 month horizon.
High-Quality Cash GenerationStrong cash conversion supports self-funding of operations, buybacks and buffers for rising provisions. Reliable FCF reduces reliance on external funding during market or regulatory stress, improving resilience and enabling disciplined capital allocation over multiple quarters.
Scale And Revenue GrowthSustained top-line growth and platform scale underpin diversified fee streams and bargaining power with funding partners. Scale supports unit economics, spreads fixed costs and preserves long-term competitiveness even if origination pacing is moderated to protect asset quality.
Bears Say
Regulatory Pricing & Funding RiskNew regulatory caps and white-listing materially limit pricing and complicate authorized funding relationships. These structural constraints can compress margins, restrict access to third-party funding, and force ongoing underwriting shifts that reduce origination capacity and profitability over months.
Deteriorating Asset QualityRapidly rising delinquencies increase ongoing provisioning needs and signal weaker borrower performance. Persistently elevated credit costs erode net income, force tighter underwriting, and can sustainably lower growth and returns unless addressed, creating multi-quarter profit pressure.
Margin Compression & Earnings VolatilityMaterial margin erosion and historically volatile earnings reduce predictability of cash flows and investment capacity. Lower margins reflect higher provisions, pricing pressure and funding costs, limiting ability to reinvest in marketing or technology and increasing sensitivity to cyclical shocks.
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 $195.43M.
When is X Financial’s upcoming earnings report date?
X Financial’s upcoming earnings report date is May 27, 2026 which is in 16 days.
How were X Financial’s earnings last quarter?
X Financial released its earnings results on Mar 25, 2026. The company reported $0.203 earnings per share for the quarter, beating the consensus estimate of N/A by $0.203.
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 $0.203 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 2.658%.
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 Positive
Last 7 Days ▲ 3.4%
Last 30 Days ▲ 0.7%
Last 30 Days ▲ 0.7%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-58.32%
12-Months-Change
Fundamentals
Return on Equity
18.93%
Trailing 12-Months
Asset Growth
29.61%
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
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Neutral
The call presented a mixed picture: the company delivered strong full-year revenue and origination growth, maintained liquidity and executed a sizable share repurchase, and reported improved per-ADS metrics and stable non-GAAP adjusted profitability. However, Q4 showed sharp declines in origination, revenue and profitability, materially higher delinquencies and credit provisions, and management highlighted significant regulatory uncertainty (including effective interest-rate/pricing caps and funding restrictions) that could materially affect future results. Management emphasized a deliberate shift to preservation of asset quality and liquidity, reflecting a cautious stance amid an uncertain regulatory and market environment.View all XYF earnings summariesTechnical Analysis
Ownership Overview
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Insiders
0.04% Other Institutional Investors
99.78% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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