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NYSE:XYF

X Financial (XYF) Stock Price, News & Analysis

X Financial logo
$13.65 +0.32 (+2.40%)
Closing price 05/2/2025 03:59 PM Eastern
Extended Trading
$13.62 -0.03 (-0.22%)
As of 05/2/2025 04:05 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.

About X Financial Stock (NYSE:XYF)

Key Stats

Today's Range
$13.43
$14.00
50-Day Range
$9.91
$16.25
52-Week Range
$3.68
$17.70
Volume
73,444 shs
Average Volume
73,366 shs
Market Capitalization
$667.84 million
P/E Ratio
3.60
Dividend Yield
2.34%
Price Target
N/A
Consensus Rating
N/A

Company Overview

X 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.

X Financial Stock Analysis - MarketRank™

See Top-Rated MarketRank™ Stocks
59th Percentile Overall Score

XYF MarketRank™: 

X Financial scored higher than 59% of companies evaluated by MarketBeat, and ranked 764th out of 949 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

  • Consensus Rating

    There is not enough analysis data for X Financial.

  • Price to Earnings Ratio vs. the Market

    The P/E ratio of X Financial is 3.60, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 21.97.

  • Price to Earnings Ratio vs. Sector

    The P/E ratio of X Financial is 3.60, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.27.

  • Price to Book Value per Share Ratio

    X Financial has a P/B Ratio of 0.81. 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.
  • Percentage of Shares Shorted

    0.34% 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 0.6, 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 10.49%, indicating that investor sentiment is improving significantly.
  • Dividend Yield

    X Financial pays a meaningful dividend of 2.43%, 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 7.36%. This payout ratio is at a healthy, sustainable level, below 75%.

  • Read more about X Financial's dividend.
  • Percentage of Shares Shorted

    0.34% 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 0.6, 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 10.49%, indicating that investor sentiment is improving significantly.
  • News Sentiment

    X Financial has a news sentiment score of 0.74. 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 news sentiment score is similar to the average news sentiment of Finance companies.
  • News Coverage This Week

    MarketBeat has tracked 1 news article for X Financial this week, compared to 2 articles on an average week.
  • MarketBeat Follows

    2 people have added X Financial to their MarketBeat watchlist in the last 30 days. This is an increase of 100% compared to the previous 30 days.
  • 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.

  • Read more about X Financial's insider trading history.
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XYF Stock News Headlines

Elon’s Terrifying Warning Forces Trump To Take Action
Elon Musk has avoided two major financial crises before. He pulled Tesla and SpaceX back from the brink of collapse and built two of the most valuable companies in history. Now, he's sounding the alarm about America's $36 trillion debt time bomb that could destroy the fabric of our society.As head of the Department of Government Efficiency (DOGE) under President Trump, Musk is exposing just how bad things are...
X Financial falls -9.0%
X Financial rises 7.8%
See More Headlines

XYF Stock Analysis - Frequently Asked Questions

X Financial's stock was trading at $8.33 at the beginning of the year. Since then, XYF stock has increased by 63.9% and is now trading at $13.65.
View the best growth stocks for 2025 here
.

X Financial (NYSE:XYF) posted its quarterly earnings data on Wednesday, March, 19th. The company reported $1.13 EPS for the quarter. The firm earned $234.09 million during the quarter. X Financial had a net margin of 25.03% and a trailing twelve-month return on equity of 20.66%.
Read the conference call transcript
.

X Financial (XYF) raised $110 million in an initial public offering 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 served as the underwriters for the IPO and EBS International, China Merchants Securities (HK) and AMTD Tiger were co-managers.

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.

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 Earnings
3/19/2025
Today
5/03/2025
Next Earnings (Estimated)
5/29/2025
Fiscal Year End
12/31/2025

Industry, Sector and Symbol

Stock Exchange
NYSE
Sector
Finance
Industry
Nondepository credit institutions
Sub-Industry
Banking
Current Symbol
NYSE:XYF
Fax
N/A
Employees
420
Year Founded
N/A

Profitability

Trailing P/E Ratio
3.60
Forward P/E Ratio
N/A
P/E Growth
N/A
Net Income
$167.16 million
Pretax Margin
30.26%

Debt

Sales & Book Value

Annual Sales
$2.56 billion
Cash Flow
$4.40 per share
Price / Cash Flow
3.10
Book Value
$16.83 per share
Price / Book
0.81

Miscellaneous

Free Float
33,475,000
Market Cap
$667.84 million
Optionable
Not Optionable
Beta
0.05
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This page (NYSE:XYF) was last updated on 5/4/2025 by MarketBeat.com Staff
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