Want to see XYF full AI Analyst Report?
XYF Stock Chart & Stats
$4.79
$0.19(3.97%)
At close: 4:00 PM EDT
$4.79
$0.19(3.97%)
Day’s Range― - ―
52-Week Range$3.30 - $15.96
Previous Close$4.98
Volume86.44K
Average Volume (3M)55.25K
Market Cap
$214.97M
Enterprise Value-$176.94
Total Cash (Recent Filing)$3.77B
Total Debt (Recent Filing)$352.55M
Price to Earnings (P/E)0.2
Beta0.83
Next Earnings
Nov 25, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield9.24%
Share Statistics
EPS (TTM)150.06
Shares Outstanding22,249,506
10 Day Avg. Volume43,901
30 Day Avg. Volume55,248
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>-0.01
Enterprise Value/Revenue>-0.01
Enterprise Value/Gross Profit>-0.01
Enterprise Value/Ebitda>-0.01
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 share provide financial flexibility and downside protection while supporting continued lending through stress. This capitalization also gives management room to prioritize credit quality without depending heavily on external funding.
Strong Cash ConversionCash generation closely tracking reported earnings indicates that recent profitability is supported by realized cash rather than accounting adjustments. Robust operating cash flow improves the company’s ability to fund operations, absorb losses and preserve liquidity.
Improving Credit DisciplineSequential delinquency improvement, tighter underwriting and stronger collections suggest that the de-risking strategy is beginning to improve portfolio control. Better credit selection can support more sustainable margins and reduce future provision volatility.
Bears Say
Severe Lending Scale ContractionThe sharp reduction in originations, outstanding balances and active borrowers materially shrinks the fee-generating portfolio. Even if credit quality improves, rebuilding scale may take time and could constrain revenue, operating leverage and partner relevance.
Elevated Portfolio DelinquenciesAlthough delinquency rates improved sequentially, they remain materially above prior-year levels as older vintages continue seasoning. Persistent credit stress could require additional provisions, weaken earnings durability and limit the pace of future origination growth.
Limited Recovery VisibilityThe absence of near-term quantitative guidance signals that management cannot yet reliably forecast lending demand, credit costs or recovery timing. This uncertainty complicates capital planning and suggests the current contraction may persist across the next several quarters.
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 $15.96 in the past 12 months.
What is X Financial’s market cap?
X Financial’s market cap is $214.97M.
When is X Financial’s upcoming earnings report date?
X Financial’s upcoming earnings report date is Nov 25, 2026 which is in 91 days.
How were X Financial’s earnings last quarter?
X Financial released its earnings results on Aug 24, 2026. The company reported $0.182 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.
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 Semiannually dividend of $0.28 which represents an annual dividend yield of 9.24%. 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 $0.182 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went up 2.041%.
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
Neutral
1
2
3
4
5
6
7
8
9
10
Blogger Sentiment
Bullish
XYF Sentiment 75%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 51.9K Shares
Last Quarter.
Last Quarter.
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-67.72%
12-Months-Change
Fundamentals
Return on Equity
9.24%
Trailing 12-Months
Asset Growth
-6.63%
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
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Neutral
The call presents a mixed but stabilizing picture. Operationally management has executed a deliberate de‑risking strategy that produced sequential improvements in margins, provisions and adjusted earnings, a rising average loan size, improved capitalization and ongoing shareholder returns (buybacks and a dividend). However, the business still faces substantial year‑over‑year deterioration: origination volumes, revenue and outstanding loans have contracted sharply, delinquencies remain elevated relative to last year, and a one‑off funding counterparty issue required a sizable provision. Given meaningful sequential progress but significant remaining headwinds and large YoY declines, the tone is cautious and transitional rather than decisively positive.View all XYF earnings summariesTechnical Analysis
Yiren Digital
―
FinVolution Group
―
Lexinfintech Holdings
―
Qifu Technology
―
Jiayin Group
―
Ownership Overview
5.30%
Insiders
0.21% Other Institutional Investors
94.26% Public Companies and
Individual Investors