X Financial Class A (XYF)

Currency in USD
5.050
+0.370(+7.91%)
Closed·
5.030-0.020(-0.40%)
·
High dividend Yield
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Fair Value
Day's Range
4.6605.050
52 wk Range
3.30020.355
Key Statistics
Prev. Close
5.05
Open
4.7
Day's Range
4.66-5.05
52 wk Range
3.3-20.355
Volume
161.49K
Average Volume (3m)
183.94K
1-Year Change
-57.3024%
Book Value / Share
26.55
Fair Value
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Fair Value Upside
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XYF Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Analysts Sentiment
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Members' Sentiments
Bearish
Bullish
ProTips
Trading at a low Price / Book multiple

X Financial Class A News & Analysis

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Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Strong Buy
Technical Indicators
Strong Buy
Moving Averages
Strong Buy

X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. The company offers Xiaoying credit loans, which are online personal credit loan products comprising Xiaoying card loans and other unsecured loan products; and Xiaoying housing loans, a secured home equity loan product. It also provides guarantee, consulting, e-commerce, and microcredit services. In addition, the company engages in the technology development and service, as well as the sale of products. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.

X Financial Class A Earnings Call Summary for Q4/2025

  • Q4 2025 net income plunged 96.2% YoY to $8.2M; revenue fell 14.1% to $209.9M amid elevated credit provisions and reduced lending activity.
  • Full-year 2025 revenue rose 30.1% to $1.09B, though operating income dropped sharply from $1.87B to $233.1M year-over-year.
  • Stock declined 10.82% in pre-market to $4.12; company trades at P/E of 1.2 but maintains 11.77% dividend yield with three consecutive raises.
  • No quantitative 2026 guidance provided due to regulatory uncertainty; management prioritizes risk management, liquidity, and operational flexibility.
  • Rising delinquency rates and regulatory headwinds around borrowing caps pose ongoing challenges to credit quality and profitability outlook.
Last Updated: 03/26/2026, 09:16 PM
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Compare XYF to Peers and Sector

Metrics to compare
XYF
Peers
Sector
Relationship
P/E Ratio
1.0x9.0x10.0x
PEG Ratio
0.08−0.160.03
Price/Book
0.2x1.9x1.0x
Price / LTM Sales
0.2x1.4x2.9x
Upside (Analyst Target)
-41.4%13.9%
Fair Value Upside
Unlock−1.7%1.8%Unlock
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 35.22%
Dividend Yield
16.80%
Industry Median 1.55%
Annualized payout
0.79
Paid unevenly
5-Years Growth
+2.81%
Growth Streak

Earnings

Latest Release
Mar 25, 2026
EPS / Forecast
1.44 / --
Revenue / Forecast
1.47B / --
EPS Revisions
Last 90 days

XYF Income Statement

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FAQ

What Is the X Financial A (XYF) Stock Price Today?

The X Financial A stock price today is 5.050 USD.

What Stock Exchange Does X Financial A Trade On?

X Financial A is listed and trades on the New York Stock Exchange.

What Is the Stock Symbol for X Financial A?

The stock symbol for X Financial A is "XYF."

Does X Financial A Pay Dividends? What’s The Current Dividend Yield?

The X Financial A dividend yield is 16.8%.

What Is the X Financial A Market Cap?

As of today, X Financial A market cap is 213.160M USD.

What Is X Financial A's Earnings Per Share (TTM)?

The X Financial A EPS (TTM) is 35.220.

From a Technical Analysis Perspective, Is XYF a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Buy.

How Many Times Has X Financial A Stock Split?

X Financial A has split 1 times.

How Many Employees Does X Financial A Have?

X Financial A has 563 employees.

What is the current trading status of X Financial A (XYF)?

As of Apr 23, 2026, X Financial A (XYF) is trading at a price of 5.050 USD, with a previous close of 5.050 USD. The stock has fluctuated within a day range of 4.660 USD to 5.050 USD, while its 52-week range spans from 3.300 USD to 20.355 USD.

What Is the XYF Premarket Price?

XYF's last pre-market stock price is 5.030 USD. The pre-market share volume is 430.000, and the stock has decreased by -0.020, or -0.400%.

What Is the XYF After Hours Price?

XYF's last after hours stock price is 4.940 USD, the stock has decreased by -0.110, or -2.180%.
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