NYSE:XYF X Financial (XYF) Stock Price, News & Analysis $4.91 +0.08 (+1.72%) As of 03:02 PM Eastern This is a fair market value price provided by Massive. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesOwnershipSEC FilingsShort InterestTrendsBuy This Stock 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$4.80▼$4.9350-Day Range$3.42▼$5.1852-Week Range$3.30▼$20.35Volume22,780 shsAverage Volume172,298 shsMarket Capitalization$192.05 millionP/E Ratio1.42Dividend Yield10.99%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™ Stocks58th Percentile Overall ScoreXYF MarketRank™: X Financial scored higher than 58% of companies evaluated by MarketBeat, and ranked 592nd out of 883 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 1.41, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.92.Price to Earnings Ratio vs. SectorThe P/E ratio of X Financial is 1.41, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.89.Price to Book Value per Share RatioX 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.Read more about X Financial's valuation and earnings. Short Interest5.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted0.74% 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 1.59, 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 6.81%, 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 11.09%, 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 Media3.5 / 5News Sentiment0.55 News SentimentX Financial has a news sentiment score of 0.55. 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 0.81 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 3 news articles for X Financial this week, compared to 1 article on an average week.Search Interest6 people have searched for XYF on MarketBeat in the last 30 days. This is an increase of 500% compared to the previous 30 days.MarketBeat Follows4 people have added X Financial to their MarketBeat watchlist in the last 30 days. 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) Q1 2026 Earnings TranscriptJune 1 at 8:28 PM | finance.yahoo.comX Financial Q1 Earnings Call HighlightsMay 31, 2026 | americanbankingnews.comTesla. SolarCity. Twitter. This $4 stock is next.Elon Musk has a clear pattern: when a supplier becomes mission-critical, he acquires it. He bought SolarCity for $2.6 billion and Twitter for $44 billion. Now one small company makes the equipment his Colossus supercomputer - a million GPUs consuming nearly $1 billion a month in power - cannot run without. Analyst Dylan Jovine has identified the name and ticker. For investors who own shares before a potential move, the math could be significant.June 4 at 1:00 AM | Behind the Markets (Ad)X 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.comX Financial Reports First Quarter 2026 Unaudited Financial ResultsMay 27, 2026 | prnewswire.comX Financial to Report First Quarter 2026 Financial Results on May 28, 2026May 21, 2026 | prnewswire.comX Financial (XYF) Q4 2025 Earnings TranscriptMay 20, 2026 | finance.yahoo.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 start of the year. Since then, XYF stock has decreased by 13.9% and is now trading at $4.8550. How were X Financial's earnings last quarter? X Financial Sponsored ADR (NYSE:XYF) released its earnings results on Monday, August, 18th. The company reported $1.85 earnings per share for the quarter. The company had revenue of $317.32 million for the quarter. X Financial had a trailing twelve-month return on equity of 14.38% and a net margin of 15.06%. 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 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. 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 Earnings8/18/2025Record date for 5/20 Dividend4/30/2026Ex-Dividend for 5/20 Dividend4/30/2026Dividend Payable5/20/2026Today6/04/2026Next Earnings (Estimated)8/10/2026Fiscal 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 (3w+) 1-Year History Jun 25 Sep 25 Dec 25 Mar 26 Jun 26 For the last 3 weeks, XYF's financial health has been in the Green zone, according to TradeSmith. Industry, Sector and Symbol Stock ExchangeNYSE SectorFinance Industry FIN - MISC SVCS Sub-IndustryBanking Current SymbolNYSE:XYF CIK1725033 Webwww.xiaoyinggroup.com Phone8675586282977FaxN/AEmployees420Year Founded2015Profitability EPS (Trailing Twelve Months)$3.45 Trailing P/E Ratio1.42 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$1.09 billion Price / Sales0.18 Cash Flow$5.52 per share Price / Cash Flow0.89 Book Value$28.67 per share Price / Book0.17Miscellaneous Outstanding Shares39,090,000Free Float26,743,000Market Cap$191.93 million OptionableNot Optionable Beta0.56 Social Links Analysts Agree—These Gold Picks Outshine the RestUnlock the timeless value of gold with our exclusive 2026 Gold Forecasting Report. Explore why gold remains the ultimate investment for safeguarding wealth against inflation, economic shifts, and global uncertainties. Whether you're planning for future generations or seeking a reliable asset in turbulent times, this report is your essential guide to making informed decisions.Get This Free Report This page (NYSE:XYF) was last updated on 6/4/2026 by MarketBeat.com Staff. From Our PartnersHow to claim a stake in SpaceX before the June 12 IPOSpaceX is expected to go public on June 12 - and for the first time, everyday investors may have a way in befo...Brownstone Research | SponsoredTrump’s secret China dealTrump just returned from Beijing with the most powerful business delegation in American history - Elon Musk, J...Porter & Company | SponsoredJune 4: The day smart money moves (not June 12)Everyone is watching June 12 - the SpaceX listing date. The real deadline is June 4, when Goldman Sachs, Morga...Behind the Markets | SponsoredYour $29.97 book is free todayWhy Some Traders Skip Stocks Entirely You don't need a big account to trade options. In fact, options ca...Profits Run | SponsoredAI breakthrough hidden inside SpaceX exposed on June 11On June 11, SpaceX is hosting a major investor event - and growth investor Louis Navellier believes Elon Musk ...InvestorPlace | SponsoredThe Last Time This Happened… 125 Companies Went BankruptIn the 1870s, railroad stocks made up 81% of all NYSE trades - then 125 companies went bankrupt in a single ye...The Oxford Club | 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. Get 30 Days of MarketBeat All Access for Free Sign up for MarketBeat All Access to gain access to MarketBeat's full suite of research tools. Start Your 30-Day Trial 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. Advanced Stock Screeners and Research Tools Use our seven stock screeners to find suitable stocks. Stay informed with MarketBeat's real-time news. Export data to Excel for personal analysis. Sign in to your free account to enjoy these benefits In-depth profiles and analysis for 20,000 public companies. Real-time analyst ratings, insider transactions, earnings data, and more. Our daily ratings and market update email newsletter. Sign in to your free account to enjoy all that MarketBeat has to offer. Sign In Create Account Your Email Address: Email Address Required Your Password: Password Required Log In Email Me a Login Link or Sign in with Facebook Sign in with Google Forgot your password? Your Email Address: Please enter your email address. Please enter a valid email address Choose a Password: Please enter your password. Your password must be at least 8 characters long and contain at least 1 number, 1 letter, and 1 special character. Create My Account (Free) or Sign in with Facebook Sign in with Google By creating a free account, you agree to our terms of service. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
