NYSE:XYF X Financial (XYF) Stock Price, News & Analysis $6.75 +0.35 (+5.47%) (As of 10/22/2024 ET) Add Compare Share Share Stock Analysis Stock AnalysisChartCompetitorsDividendEarningsFinancialsHeadlinesOwnershipSEC FilingsShort InterestTrends About X Financial Stock (NYSE:XYF) 30 days 90 days 365 days Advanced Chart View Price History Chart DataSkip Price History Chart Get X Financial alerts:Sign Up Key Stats Today's Range$6.40▼$6.9450-Day Range$4.22▼$8.3252-Week Range$3.48▼$8.59Volume16,233 shsAverage Volume23,263 shsMarket Capitalization$330.25 millionP/E Ratio1.85Dividend Yield4.74%Price TargetN/AConsensus RatingN/A Company OverviewX Financial provides personal finance services in the People's Republic of China. The company offers services as an online marketplace connecting borrowers and investors or institutional funding partners. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as funds, money market, and insurance products; and loan facilitation services to other platforms. In addition, it engages in the technology development, service, and sale of products; and provision of guarantee and consulting services. The company was incorporated in 2014 and is headquartered in Shenzhen, the People's Republic of China.Read More… Watch this before it gets removed (Ad)If you missed it, my emergency election broadcast is now available - but will be removed soonClick here to watch it now. X Financial Stock Analysis - MarketRank™See Top Rated MarketRank™ Stocks52nd Percentile Overall ScoreXYF MarketRank™: X Financial scored higher than 52% of companies evaluated by MarketBeat, and ranked 605th out of 894 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's OpinionN/AAnalyst RatingN/A Consensus RatingThere is not enough analysis data for X Financial.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 1.85, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 132.66.Price to Earnings Ratio vs. SectorThe P/E ratio of X Financial is 1.85, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 49.54.Price to Book Value per Share RatioX Financial has a P/B Ratio of 0.40. 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 Interest3.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted0.04% of the outstanding shares of X Financial have been sold short.Short Interest Ratio / Days to CoverX Financial has a short interest ratio ("days to cover") of 0.7, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in X Financial has recently increased by 58.87%, indicating that investor sentiment is decreasing significantly. Dividend2.5 / 5Dividend StrengthModerate Dividend LeadershipX Financial is a leading dividend payer. It pays a dividend yield of 4.99%, 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 9.04%. This payout ratio is at a healthy, sustainable level, below 75%.Read more about X Financial's dividend. Sustainability and ESGN/AEnvironmental ScoreN/A Percentage of Shares Shorted0.04% of the outstanding shares of X Financial have been sold short.Short Interest Ratio / Days to CoverX Financial has a short interest ratio ("days to cover") of 0.7, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in X Financial has recently increased by 58.87%, indicating that investor sentiment is decreasing significantly. News and Social Media1.7 / 5News Sentiment0.09 News SentimentX Financial has a news sentiment score of 0.09. 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 0.57 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 4 news articles for X Financial this week, compared to 1 article on an average week. Company Ownership1.7 / 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 InstitutionsOnly 1.15% 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. Email Address XYF Stock News HeadlinesX Financial (NYSE:XYF) & Binah Capital Group (NASDAQ:BCG) Head-To-Head AnalysisOctober 19 at 4:46 AM | americanbankingnews.comSynchrony Financial (SYF) Receives a Buy from JMP SecuritiesOctober 18, 2024 | markets.businessinsider.comWatch this before it gets removed If you missed it, my emergency election broadcast is now available - but will be removed soonOctober 22, 2024 | Porter & Company (Ad)Synchrony Financial: Still Not Too Expensive At All Time HighsOctober 18, 2024 | seekingalpha.comY = f(x) Roadmap: Telling the DMAIC Story Using Xs and YsOctober 16, 2024 | msn.comAsk a Financial Pro: Here's What Gen X Should Know About RetiringOctober 2, 2024 | money.usnews.comX has lost 75% of its value since Elon Musk took overOctober 1, 2024 | yahoo.comX’s value has fallen 79% since Musk takeover, Fidelity estimatesSeptember 30, 2024 | yahoo.comSee More Headlines XYF Stock Analysis - Frequently Asked Questions How have XYF shares performed this year? X Financial's stock was trading at $3.66 on January 1st, 2024. Since then, XYF stock has increased by 84.4% and is now trading at $6.75. View the best growth stocks for 2024 here. How were X Financial's earnings last quarter? X Financial (NYSE:XYF) announced its earnings results on Wednesday, August, 21st. The company reported $1.00 earnings per share for the quarter. The firm had revenue of $188.88 million for the quarter. X Financial had a net margin of 25.38% and a trailing twelve-month return on equity of 20.63%. 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 acted 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. Compare Top Brokerages Here. 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), General Electric (GE), Disc Medicine (IRON) and ServiceNow (NOW). Company Calendar Last Earnings8/21/2024Ex-Dividend for 9/27 Dividend9/04/2024Dividend Payable9/27/2024Today10/22/2024Next Earnings (Estimated)11/27/2024Fiscal Year End12/31/2024Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNYSE SectorFinance Industry Nondepository credit institutions Sub-IndustryN/A Current SymbolNYSE:XYF CUSIPN/A CIK1725033 Webwww.xiaoyinggroup.com Phone8675586282977FaxN/AEmployees521Year FoundedN/AProfitability EPS (Most Recent Fiscal Year)$3.54 Trailing P/E Ratio1.85 Forward P/E RatioN/A P/E GrowthN/ANet Income$167.16 million Net Margins25.38% Pretax Margin30.27% Return on Equity20.63% Return on Assets10.74% Debt Debt-to-Equity RatioN/A Current Ratio2.01 Quick Ratio2.01 Sales & Book Value Annual Sales$2.23 billion Price / Sales0.15 Cash Flow$3.63 per share Price / Cash Flow1.86 Book Value$16.83 per share Price / Book0.40Miscellaneous Outstanding Shares48,926,000Free Float33,475,000Market Cap$330.74 million OptionableNot Optionable Beta0.29 2025 Gold Forecast: A Perfect Storm for DemandUnlock the timeless value of gold with our exclusive 2025 Gold Forecasting Report. 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