X Financial Class A (XYF)

Currency in USD
5.500
+0.110(+2.04%)
Closed·
5.5000.000(0.00%)
·
High dividend Yield
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Fair Value
Day's Range
5.1105.630
52 wk Range
3.30016.400
Key Statistics
Prev. Close
5.39
Open
5.43
Day's Range
5.11-5.63
52 wk Range
3.3-16.4
Volume
99.36K
Average Volume (3m)
68.92K
1-Year Change
-64.8787%
Book Value / Share
26.68
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
Has raised its dividend for 3 consecutive years

X Financial Class A News & Analysis

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Technical Analysis

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

X Financial Class A Earnings Call Summary for Q2/2026

  • X Financial Q2 net income rose 23.8% sequentially to RMB 47M despite revenue plunging 56.3% YoY to RMB 993.6M amid sharp loan volume contraction.
  • Loan origination fell 70.2% YoY to RMB 11.63B as company prioritized credit quality and balance sheet strength over growth; active borrowers down 74.8%.
  • Operating costs dropped 50% YoY while operating margin improved to 19.6% from 12% prior quarter, reflecting aggressive cost controls and restructuring efforts.
  • Management declined Q3 quantitative guidance citing uncertain operating environment; reaffirmed $0.28 per ADS dividend yielding over 20% annually.
  • Credit metrics showed sequential improvement in newer loan vintages; $35.5M remains in $100M buyback program after repurchasing $12.49M in shares year-to-date.
Last Updated: 08/24/2026, 09:10 PM
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Earnings

Latest Release
May 27, 2026
EPS / Forecast
0.96 / --
Revenue / Forecast
1.18B / --
EPS Revisions
Last 90 days

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 25.72%
Dividend Yield
14.29%
Industry Median 1.78%
Annualized payout
0.79
Paid unevenly
5-Years Growth
+2.81%
Growth Streak

XYF Income Statement

Compare XYF to Peers and Sector

Metrics to compare
XYF
Peers
Sector
Relationship
P/E Ratio
1.4x4.5x9.8x
PEG Ratio
−0.05−0.010.03
Price/Book
0.2x0.5x1.0x
Price / LTM Sales
0.2x0.5x3.0x
Upside (Analyst Target)
-44.8%13.8%
Fair Value Upside
Unlock30.7%2.1%Unlock

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.

Ownership

Ownership Overview

Type
Common Stock Held% of Shares OutstandingMarket Value
Mutual Funds & ETFs
143.38K0.37%772.81K
Other Institutional Investors
3.14M8.14%16.90M
Public Companies & Retail Investors
35.24M91.49%189.97M
Total
38.52M100.00%207.64M

Top Holders

Holder
% of holding
Shares Held
Date Reported
Value (In 1,000s)
Legend Architecture Consultant Limited6.01%2,316,07512,484
Two Sigma Investments, LP0.50%190,7821,028

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FAQ

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

The X Financial A stock price today is 5.500 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 14.29%.

What Is the X Financial A Market Cap?

As of today, X Financial A market cap is 207.600M USD.

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

The X Financial A EPS (TTM) is 25.716.

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 643 employees.

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

As of Aug 25, 2026, X Financial A (XYF) is trading at a price of 5.500 USD, with a previous close of 5.390 USD. The stock has fluctuated within a day range of 5.110 USD to 5.630 USD, while its 52-week range spans from 3.300 USD to 16.400 USD.

What Is the XYF Premarket Price?

XYF's last pre-market stock price is 5.560 USD. The pre-market share volume is 6,580.000, and the stock has decreased by 0.170, or 3.150%.
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