X Financial (XYF) Stock Price, News & Analysis

Company Overview

X Financial (NYSE: XYF) is a China-based fintech company that provides online consumer finance services. Operating under the Xiaoying brand, the company uses technology and data analytics to connect individual borrowers with financing solutions through digital platforms.

Its principal products have included Xiaoying Card, a revolving consumer credit product, and Xiaoying Loan, an installment-based personal lending service. The company’s offerings are designed primarily for consumers in China seeking financing for personal and household needs, with applications, credit assessment, and servicing conducted online.

Founded in 2014 and headquartered in Shenzhen, X Financial has focused on using automated risk-management and online customer-acquisition systems to support its lending operations. The company completed its initial public offering on the New York Stock Exchange in 2018. Its business is primarily oriented toward the Chinese market.

Key Stats

• Today's Range: $4.94 to $5.17
• 50-Day Range: $4.81 to $5.66
• 52-Week Range: $3.30 to $14.86
• Volume: 65,943 shs
• Average Volume: 71,476 shs
• Market Capitalization: $194.30 million
• P/E Ratio: 2.54
• Dividend Yield: 10.86%
• Price Target: N/A
• Consensus Rating: Hold

X Financial Stock Analysis - MarketRank™

X Financial scored higher than 36% of companies evaluated by MarketBeat, and ranked 679th out of 843 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: 1.2 / 5
• Analyst Rating: Hold

Consensus Rating

X Financial has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no strong buy ratings, no buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

X Financial has only been the subject of 1 research reports in the past 90 days.

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 2.54, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.94.

Price to Earnings Ratio vs. Sector

The P/E ratio of X Financial is 2.54, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.50.

Price to Book Value per Share Ratio

X Financial has a P/B Ratio of 0.17. 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

0.32% 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 1.96%, indicating that investor sentiment is improving.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

X Financial is a leading dividend payer. It pays a dividend yield of 10.56%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

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

Dividend Coverage

The dividend payout ratio of X Financial is 27.55%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 0.6 / 5
• News Sentiment: N/A

Search Interest

1 people have searched for XYF on MarketBeat in the last 30 days.

Company Ownership

• Score: 0.7 / 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

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

Company Calendar

• Last Earnings: 8/24/2026
• Record date for 9/28 Dividend: 9/10/2026
• Ex-Dividend for 9/28 Dividend: 9/10/2026
• Dividend Payable: 9/28/2026
• Today: 10/03/2026
• Next Earnings (Estimated): 11/25/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: Consumer Finance
• Sub-Industry: Consumer Finance
• Current Symbol: NYSE:XYF
• CIK: 1725033
• Web: www.xiaoyinggroup.com
• Phone: 8675586282977
• Fax: N/A
• Employees: 643
• Year Founded: 2015

Profitability

• EPS (Trailing Twelve Months): $1.96
• Trailing P/E Ratio: 2.54
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $209.43 million
• Net Margins: 9.94%
• Pretax Margin: 16.57%
• Return on Equity: 9.14%
• Return on Assets: 5.20%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 2.06
• Quick Ratio: 2.06

Sales & Book Value

• Annual Sales: $5.60 billion
• Price / Sales: 0.03
• Cash Flow: $5.35 per share
• Price / Cash Flow: 0.93
• Book Value: $28.67 per share
• Price / Book: 0.17

Miscellaneous

• Outstanding Shares: 39,086,000
• Free Float: 26,743,000
• Market Cap: $194.30 million
• Optionable: Not Optionable
• Beta: 0.47