NYSE:XYF X Financial (XYF) Stock Price, News & Analysis $5.38 -0.01 (-0.19%) As of 01:22 PM Eastern This is a fair market value price provided by Massive. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsNews and TrendsOwnershipSEC FilingsShort Interest About X Financial Stock (NYSE:XYF) View Price History Chart DataSkip Price History Chart 1 Day 5 Days 30 Days 90 Days 1 Year Advanced 1 Day 1 Day 5 Days 30 Days 90 Days 1 Year Advanced Show volume Show extended hours Get X Financial alerts:Sign Up Key Stats Today's Range$5.20▼$5.6350-Day Range$4.61▼$5.5652-Week Range$3.30▼$16.40Volume56,778 shsAverage Volume133,277 shsMarket Capitalization$210.28 millionP/E Ratio1.56Dividend Yield10.04%Price TargetN/AConsensus RatingHold Company Overview X Financial (NYSE:XYF) is a Beijing-based online credit marketplace focused on providing diversified financing solutions to individuals and small- and medium-sized enterprises (SMEs) in China. The company was established in 2014 and completed its initial public offering on the New York Stock Exchange in 2016. Since inception, X Financial has built a technology-driven platform that connects borrowers with a network of institutional investors, banks and other funding sources, aiming to streamline access to credit and improve lending efficiency. The company’s core offerings include consumer loans, SME loans, real estate-secured financing and wealth management products. Through its proprietary credit-scoring and risk-management systems, X Financial assesses borrower profiles and matches them with appropriate funding partners. This end-to-end digital approach spans loan origination, underwriting, servicing and collections, enabling the company to support a wide range of credit needs from personal installment financing to working‐capital loans for businesses. Serving clients across major urban centers and second-tier cities throughout China, X Financial emphasizes strong compliance with local regulations and prudent risk controls. The company’s leadership team comprises executives with deep experience in finance, technology and regulatory affairs, overseeing ongoing platform enhancements and geographic expansion initiatives. By leveraging data analytics and strategic partnerships, X Financial continues to scale its credit marketplace with the goal of addressing underserved lending segments in the Chinese market.AI Generated. May Contain Errors. Read More X Financial Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks56th Percentile Overall ScoreXYF MarketRank™: X Financial scored higher than 56% of companies evaluated by MarketBeat, and ranked 676th out of 837 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion1.2 / 5Analyst RatingHold Consensus RatingX 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 CoverageX Financial has only been the subject of 1 research reports in the past 90 days.Read more about X Financial's stock forecast and price target. Earnings and Valuation1.9 / 5Proj. Earnings GrowthN/A Price to Earnings Ratio vs. the MarketThe P/E ratio of X Financial is 1.56, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.63.Price to Earnings Ratio vs. SectorThe P/E ratio of X Financial is 1.56, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 29.80.Price to Book Value per Share RatioX Financial has a P/B Ratio of 0.19. 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. Short Interest5.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted0.53% of the float of X Financial has been sold short.Short Interest Ratio / Days to CoverX Financial has a short interest ratio ("days to cover") of 2.99, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in X Financial has recently decreased by 6.39%, indicating that investor sentiment is improving significantly. Dividend2.5 / 5Dividend StrengthModerate Dividend LeadershipX Financial is a leading dividend payer. It pays a dividend yield of 9.90%, putting its dividend yield in the top 25% of dividend-paying stocks.Dividend GrowthX Financial does not have a long track record of dividend growth.Dividend CoverageThe dividend payout ratio of X Financial is 15.65%. This payout ratio is at a healthy, sustainable level, below 75%.Read more about X Financial's dividend. News and Social Media3.2 / 5News Sentiment1.16 News SentimentX Financial has a news sentiment score of 1.16. 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 0.89 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 6 news articles for X Financial this week, compared to 0 articles on an average week. Company Ownership0.7 / 5Insider TradingN/A Insider Buying vs. Insider SellingIn the past three months, X Financial insiders have not sold or bought any company stock.Percentage Held by Insiders31.58% 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 Institutions1.15% of the stock of X Financial is held by institutions.Read more about X Financial's insider trading history. Receive XYF Stock News and Ratings via Email Sign-up to receive the latest news and ratings for X Financial and its competitors with MarketBeat's FREE daily newsletter. Submit View SMS TermsSMS is currently available in Australia, Belgium, Canada, France, Germany, Ireland, Italy, New Zealand, the Netherlands, Singapore, South Africa, Spain, Switzerland, the United Kingdom, and the United States. By entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy. XYF Stock News HeadlinesX Financial (XYF) Q2 2026 Earnings Call Transcript2 hours ago | seekingalpha.comX Financial Reports Second Quarter 2026 Unaudited Financial ResultsAugust 24 at 5:50 AM | prnewswire.comWhy major institutions are piling into this digital asset nowBlackRock, JPMorgan, Goldman Sachs, and Fidelity are reportedly accumulating a scarce blockchain asset - one that gets burned with every transaction on what analysts are calling America's new financial grid. The Nasdaq has received SEC approval to move stocks onto blockchain rails, and BlackRock CEO Larry Fink dedicated his entire 2026 annual letter to this infrastructure shift. Blockchain analyst Andy Howard is calling this asset 'Digital Oil' - and says institutional buyers are already positioned.August 24 at 1:00 AM | Awesomely (Ad)X Financial to Report Second Quarter 2026 Financial Results on August 24, 2026August 18, 2026 | prnewswire.comX Financial Announces Leadership ChangeJune 17, 2026 | prnewswire.comX Financial (XYF) Q1 2026 Earnings TranscriptJune 1, 2026 | finance.yahoo.comX Financial (XYF) Q1 2026 Earnings Call Highlights: Navigating Challenges with Improved Margins ...May 28, 2026 | finance.yahoo.comX Financial (XYF) Q1 2026 Earnings Call Prepared Remarks TranscriptMay 28, 2026 | seekingalpha.comSee More Headlines XYF Stock Analysis - Frequently Asked Questions How have XYF shares performed this year? X Financial's stock was trading at $5.64 at the beginning of the year. Since then, XYF stock has decreased by 4.6% and is now trading at $5.38. How were X Financial's earnings last quarter? X Financial Sponsored ADR (NYSE:XYF) announced its quarterly earnings results on Monday, August, 24th. The company reported $0.65 EPS for the quarter, topping analysts' consensus estimates of $0.29 by $0.36. The business earned $146.24 million during the quarter, compared to analyst estimates of $190.63 million. X Financial had a net margin of 15.06% and a trailing twelve-month return on equity of 14.38%. Read the conference call transcript. When did X Financial IPO? 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 $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. Who are X Financial's major shareholders? X Financial's top institutional investors include Ramsey Quantitative Systems (0.07%). 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 Today8/24/2026Last Earnings8/24/2026Next Earnings (Estimated)8/24/2026Fiscal Year End12/31/2026Get Stock Alerts Health Indicator TradeSmith's Health IndicatorA long-term volatility-based measure designed for securities held 12 months or longer.Green: Strong and healthy uptrend with normal pullbacks.Yellow: Significant pullback but still within expected volatility.Red: Dropped beyond expected volatility; considered unhealthy. Green Zone (3m+) 1-Year History Aug 25 Nov 25 Feb 26 May 26 Aug 26 XYF's financial health is in the Green zone, according to TradeSmith. XYF has been in this zone for over 3 months. Industry, Sector and Symbol Stock ExchangeNYSE SectorFinance Industry Consumer Finance Sub-IndustryConsumer Finance Current SymbolNYSE:XYF CIK1725033 Webwww.xiaoyinggroup.com Phone8675586282977FaxN/AEmployees420Year Founded2015Profitability EPS (Trailing Twelve Months)$3.45 Trailing P/E Ratio1.56 Forward P/E RatioN/A P/E GrowthN/ANet Income$209.43 million Net Margins15.06% Pretax Margin19.88% Return on Equity14.38% Return on Assets7.93% Debt Debt-to-Equity RatioN/A Current Ratio1.92 Quick Ratio1.92 Sales & Book Value Annual Sales$6.88 billion Price / Sales0.03 Cash Flow$5.49 per share Price / Cash Flow0.98 Book Value$28.67 per share Price / Book0.19Miscellaneous Outstanding Shares39,086,000Free Float26,743,000Market Cap$210.28 million OptionableNot Optionable Beta0.46 Social Links 10 Best Stocks to Own - Summer 2026Enter your email address and we’ll send you MarketBeat’s list of ten stocks set to soar in Summer 2026, despite the threat of tariffs and what's happening in Iran. These ten stocks are incredibly resilient and are likely to thrive in any economic environment. Get This Free Report This page (NYSE:XYF) was last updated on 8/24/2026 by MarketBeat.com Staff. From Our PartnersThe retirement stock I'd buy before Nvidia todayIn 2014, Marc Chaikin pointed readers toward Nvidia. Now the 60-year Wall Street veteran and creator of the Ch...Chaikin Analytics | SponsoredA $382 trillion migration and the position no one is talking aboutTrump just signed a law requiring America's entire $382 trillion financial system to migrate to a new money ne...Awesomely | SponsoredThe government values gold at $42. It's really $4,800.The U.S. Treasury still values its gold reserves at 42.22 dollars an ounce, a price set in 1973. 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He says a major shift...TradeSmith | Sponsored Adding Choose a watchlist: Watchlist Adding You have already added ten stocks to your watchlist. Upgrade to MarketBeat All Access to add more stocks to your watchlist. Adding X Financial Sponsored ADR Please log in to your account or sign up in order to add this asset to your watchlist. Share X Financial With A Colleague Link copied to clipboard. Unlock superior investment research and tools. Sign up for MarketBeat All Access to gain access to MarketBeat's full suite of research tools and reports. Get MarketBeat All Access MarketBeat All Access Features Best-in-Class Portfolio Monitoring Get personalized stock ideas. Compare portfolio to indices. Check stock news, ratings, SEC filings, and more. Stock Ideas and Recommendations See daily stock ideas from top analysts. Receive short-term trading ideas from MarketBeat. Identify trending stocks on social media. 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