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NYSE:XYF

X Financial (XYF) Stock Price, News & Analysis

X Financial logo
$14.16 -0.23 (-1.60%)
Closing price 08/1/2025 03:59 PM Eastern
Extended Trading
$14.18 +0.03 (+0.18%)
As of 08/1/2025 07:21 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.

About X Financial Stock (NYSE:XYF)

Key Stats

Today's Range
$13.20
$14.40
50-Day Range
$13.90
$19.97
52-Week Range
$3.78
$20.35
Volume
470,341 shs
Average Volume
471,778 shs
Market Capitalization
$591.60 million
P/E Ratio
2.95
Dividend Yield
3.39%
Price Target
N/A
Consensus Rating
N/A

Company Overview

X Financial Stock Analysis - MarketRank™

See Top-Rated MarketRank™ Stocks
45th Percentile Overall Score

XYF MarketRank™: 

X Financial scored higher than 45% of companies evaluated by MarketBeat, and ranked 705th out of 919 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

  • Consensus Rating

    There is not enough analysis data for X Financial.

  • Price to Earnings Ratio vs. the Market

    The P/E ratio of X Financial is 2.95, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 28.09.

  • Price to Earnings Ratio vs. Sector

    The P/E ratio of X Financial is 2.95, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.74.

  • Price to Book Value per Share Ratio

    X Financial has a P/B Ratio of 0.62. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

  • Read more about X Financial's valuation and earnings.
  • Percentage of Shares Shorted

    0.46% of the outstanding shares of X Financial have been sold short.
  • Short Interest Ratio / Days to Cover

    X Financial has a short interest ratio ("days to cover") of 0.6, which is generally considered an acceptable ratio of short interest to trading volume.
  • Change versus previous month

    Short interest in X Financial has recently increased by 308.92%, indicating that investor sentiment is decreasing significantly.
  • Dividend Yield

    X Financial pays a meaningful dividend of 3.36%, higher than the bottom 25% of all stocks that pay dividends.

  • Dividend Growth

    X Financial does not have a long track record of dividend growth.

  • Dividend Coverage

    The dividend payout ratio of X Financial is 10.00%. This payout ratio is at a healthy, sustainable level, below 75%.

  • Read more about X Financial's dividend.
  • Percentage of Shares Shorted

    0.46% of the outstanding shares of X Financial have been sold short.
  • Short Interest Ratio / Days to Cover

    X Financial has a short interest ratio ("days to cover") of 0.6, which is generally considered an acceptable ratio of short interest to trading volume.
  • Change versus previous month

    Short interest in X Financial has recently increased by 308.92%, indicating that investor sentiment is decreasing significantly.
  • News Sentiment

    X Financial has a news sentiment score of 0.67. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.80 average news sentiment score of Finance companies.
  • News Coverage This Week

    MarketBeat has tracked 5 news articles for X Financial this week, compared to 2 articles on an average week.
  • MarketBeat Follows

    Only 1 people have added X Financial to their MarketBeat watchlist in the last 30 days. This is a decrease of -50% compared to the previous 30 days.
  • Insider Buying vs. Insider Selling

    In the past three months, X Financial insiders have not sold or bought any company stock.

  • Percentage Held by Insiders

    31.58% of the stock of X Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.

  • Percentage Held by Institutions

    Only 1.15% of the stock of X Financial is held by institutions.

  • Read more about X Financial's insider trading history.
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XYF Stock News Headlines

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XYF Stock Analysis - Frequently Asked Questions

X Financial's stock was trading at $8.33 on January 1st, 2025. Since then, XYF shares have increased by 70.0% and is now trading at $14.16.

X Financial Sponsored ADR (NYSE:XYF) released its quarterly earnings results on Monday, May, 19th. The company reported $1.40 earnings per share for the quarter. The business earned $267 million during the quarter. X Financial had a trailing twelve-month return on equity of 23.30% and a net margin of 24.76%.
Read the conference call transcript
.

X Financial (XYF) raised $110 million in an initial public offering (IPO) on Wednesday, September 19th 2018. The company issued 11,000,000 shares at a price of $9.00-$11.00 per share. Deutsche Bank Securities and Morgan Stanley acted as the underwriters for the IPO and EBS International, China Merchants Securities (HK) and AMTD Tiger were co-managers.

Shares of XYF stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

Based on aggregate information from My MarketBeat watchlists, some other companies that X Financial investors own include NVIDIA (NVDA), Broadcom (AVGO), Builders FirstSource (BLDR), e.l.f. Beauty (ELF), GE Aerospace (GE), Disc Medicine (IRON) and ServiceNow (NOW).

Company Calendar

Last Earnings
5/19/2025
Record date for 7/2 Dividend
6/20/2025
Ex-Dividend for 7/2 Dividend
6/20/2025
Dividend Payable
7/02/2025
Today
8/02/2025
Next Earnings (Estimated)
8/20/2025
Fiscal Year End
12/31/2025

Industry, Sector and Symbol

Stock Exchange
NYSE
Sector
Finance
Industry
FIN - MISC SVCS
Sub-Industry
Banking
Current Symbol
NYSE:XYF
CIK
1725033
Fax
N/A
Employees
420
Year Founded
N/A

Profitability

EPS (Trailing Twelve Months)
$4.80
Trailing P/E Ratio
2.95
Forward P/E Ratio
N/A
P/E Growth
N/A
Net Income
$210.97 million
Net Margins
24.76%
Pretax Margin
30.27%
Return on Equity
23.30%
Return on Assets
13.70%

Debt

Debt-to-Equity Ratio
N/A
Current Ratio
2.39
Quick Ratio
2.39

Sales & Book Value

Annual Sales
$804.43 million
Price / Sales
0.74
Cash Flow
$4.87 per share
Price / Cash Flow
2.91
Book Value
$22.80 per share
Price / Book
0.62

Miscellaneous

Outstanding Shares
41,780,000
Free Float
28,586,000
Market Cap
$591.60 million
Optionable
Not Optionable
Beta
0.26
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This page (NYSE:XYF) was last updated on 8/2/2025 by MarketBeat.com Staff
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