X Financial (XYF) Stock Price, News & Analysis

Company Overview

X Financial (NYSE:XYF) is a technology-driven consumer finance marketplace that connects underserved borrowers in China with a diverse range of lending products. Since its inception, the company has leveraged big-data analytics and machine learning to streamline credit assessment, risk management and customer acquisition. By operating primarily through mobile applications and online platforms, X Financial has built a scalable framework for offering installment loans, revolving consumer credit and auto financing solutions across China’s rapidly growing digital economy.

The company’s product suite includes personal installment loans tailored to cover everyday expenses, point-of-sale financing partnerships with e-commerce platforms, and automobile financing programs for new and used vehicles. By integrating with major banks, insurance providers and third-party service partners, X Financial is able to structure credit products with competitive interest rates and flexible repayment schedules. This ecosystem approach has enabled the firm to expand its customer base beyond major urban centers to tier-2 and tier-3 cities, where conventional banking services are often limited.

Over the years, X Financial has focused on continuous innovation in credit scoring and fraud detection technologies. The company employs proprietary algorithms that analyze thousands of data points—from transaction histories and social behavior to alternative credit indicators—to make informed lending decisions. These capabilities have helped X Financial maintain disciplined underwriting standards and reduce nonperforming loan ratios, while supporting rapid growth in loan origination volumes.

Founded in 2015 by Jian Pu, who serves as chairman and chief executive officer, X Financial is headquartered in Beijing with additional offices in Shanghai and Shenzhen. Prior to launching the company, Mr. Pu held senior roles in investment banking and quantitative research at global financial institutions. Under his leadership, X Financial has attracted a blend of institutional investors and strategic partners, positioning the firm to capitalize on the evolving landscape of digital finance in China.

Key Stats

• Today's Range: $18.09 to $18.64
• 50-Day Range: $14.49 to $19.97
• 52-Week Range: $3.78 to $20.36
• Volume: 223,076 shs
• Average Volume: 137,052 shs
• Market Capitalization: $758.72 million
• P/E Ratio: 3.78
• Dividend Yield: 2.64%
• Price Target: N/A
• Consensus Rating: N/A

X Financial Stock Analysis - MarketRank™

X Financial scored higher than 63% of companies evaluated by MarketBeat, and ranked 502nd out of 933 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for X Financial.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of X Financial is 3.81, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.98.

Price to Earnings Ratio vs. Sector

The P/E ratio of X Financial is 3.81, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 18.37.

Price to Book Value per Share Ratio

X Financial has a P/B Ratio of 0.80. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

11.77% of the float of X Financial has been sold short.

Short Interest Ratio / Days to Cover

X Financial has a short interest ratio ("days to cover") of 0.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in X Financial has recently decreased by 84.11%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

X Financial pays a meaningful dividend of 2.66%, 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%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

11.77% of the float of X Financial has been sold short.

Short Interest Ratio / Days to Cover

X Financial has a short interest ratio ("days to cover") of 0.9, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in X Financial has recently decreased by 84.11%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 3.1 / 5
• News Sentiment: N/A

News Sentiment

X Financial has a news sentiment score of 1.65. 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 higher news sentiment than the 0.91 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for X Financial this week, compared to 2 articles on an average week.

Search Interest

Only 1 people have searched for XYF on MarketBeat in the last 30 days. This is a decrease of -50% compared to the previous 30 days.

MarketBeat Follows

2 people have added X Financial to their MarketBeat watchlist in the last 30 days. This is an increase of 100% compared to the previous 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

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.

XYF Stock Analysis - Frequently Asked Questions

How have XYF shares performed this year?

X Financial's stock was trading at $8.33 at the start of the year. Since then, XYF stock has increased by 118.0% and is now trading at $18.16.

How were X Financial's earnings last quarter?

X Financial Sponsored ADR (NYSE:XYF) posted its quarterly earnings results on Monday, May, 19th. The company reported $1.40 earnings per share for the quarter. The firm had revenue of $267 million for 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.

When did X Financial IPO?

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

How do I buy shares of X Financial?

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.

What other stocks do shareholders of X Financial own?

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: 7/18/2025
• 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
• Web: www.xiaoyinggroup.com
• Phone: 8675586282977
• Fax: N/A
• Employees: 420
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $4.80
• Trailing P/E Ratio: 3.83
• 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: 0.95
• Cash Flow: $4.96 per share
• Price / Cash Flow: 3.71
• Book Value: $22.80 per share
• Price / Book: 0.81

Miscellaneous

• Outstanding Shares: 41,780,000
• Free Float: 28,586,000
• Market Cap: $768.13 million
• Optionable: Not Optionable
• Beta: 0.20