X Financial (XYF) Stock Price, News & Analysis

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.

Key Stats

• Today's Range: $14.45 to $15.11
• 50-Day Range: $12.24 to $19.04
• 52-Week Range: $4.85 to $20.35
• Volume: 164,661 shs
• Average Volume: 282,585 shs
• Market Capitalization: $612.08 million
• P/E Ratio: 2.74
• Dividend Yield: 3.28%
• Price Target: N/A
• Consensus Rating: N/A

X Financial Stock Analysis - MarketRank™

X Financial scored higher than 54% of companies evaluated by MarketBeat, and ranked 645th out of 938 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 2.74, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 281.60.

Price to Earnings Ratio vs. Sector

The P/E ratio of X Financial is 2.74, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 240.75.

Price to Book Value per Share Ratio

X Financial has a P/B Ratio of 0.65. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.00% 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 0.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in X Financial has recently increased by 65.14%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

X Financial pays a meaningful dividend of 3.27%, 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 8.99%. 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

1.00% 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 0.7, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in X Financial has recently increased by 65.14%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 3.6 / 5
• News Sentiment: 1.51

News Sentiment

X Financial has a news sentiment score of 1.51. 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 1.00 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for X Financial this week, compared to 2 articles on an average week.

MarketBeat Follows

3 people have added X Financial to their MarketBeat watchlist in the last 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 on January 1st, 2025. Since then, XYF shares have increased by 76.7% and is now trading at $14.72.

How were X Financial's earnings last quarter?

X Financial Sponsored ADR (NYSE:XYF) posted its quarterly earnings data on Monday, August, 18th. The company reported $1.85 earnings per share for the quarter. The business earned $317.32 million during the quarter. X Financial had a trailing twelve-month return on equity of 25.42% and a net margin of 23.30%.
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.

Who are X Financial's major shareholders?

Top institutional shareholders of X Financial include Jump Financial LLC (0.10%).

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

• Record date for 7/2 Dividend: 6/20/2025
• Ex-Dividend for 7/2 Dividend: 6/20/2025
• Dividend Payable: 7/02/2025
• Last Earnings: 8/18/2025
• Today: 9/22/2025
• Record date for 10/15 Dividend: 9/26/2025
• Ex-Dividend for 10/15 Dividend: 9/26/2025
• Dividend Payable: 10/15/2025
• Next Earnings (Estimated): 11/20/2025
• 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): $5.34
• Trailing P/E Ratio: 2.73
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $210.97 million
• Net Margins: 23.30%
• Pretax Margin: 28.81%
• Return on Equity: 25.42%
• Return on Assets: 14.98%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 2.13
• Quick Ratio: 2.13

Sales & Book Value

• Annual Sales: $3.15 billion
• Price / Sales: 0.19
• Cash Flow: $4.77 per share
• Price / Cash Flow: 3.06
• Book Value: $22.80 per share
• Price / Book: 0.64

Miscellaneous

• Outstanding Shares: 41,780,000
• Free Float: 28,586,000
• Market Cap: $609.40 million
• Optionable: Not Optionable
• Beta: 0.30