NYSE:XYF X Financial (XYF) Stock Price, News & Analysis $17.32 -0.30 (-1.70%) Closing price 05/23/2025 03:59 PM EasternExtended Trading$17.18 -0.15 (-0.84%) As of 05/23/2025 07:42 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. Add Compare Share Share Stock Analysis Stock AnalysisChartCompetitorsDividendEarningsFinancialsHeadlinesOwnershipSEC FilingsShort InterestTrendsBuy This Stock 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$16.28▼$17.3650-Day Range$10.84▼$17.5652-Week Range$3.68▼$18.40Volume239,972 shsAverage Volume95,823 shsMarket Capitalization$723.63 millionP/E Ratio4.57Dividend Yield0.92%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… X Financial Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks51st Percentile Overall ScoreXYF MarketRank™: X Financial scored higher than 51% of companies evaluated by MarketBeat, and ranked 633rd out of 912 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. Earnings and Valuation1.3 / 5Proj. Earnings GrowthN/A Price to Earnings Ratio vs. the MarketThe P/E ratio of X Financial is 4.57, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 24.51.Price to Earnings Ratio vs. SectorThe P/E ratio of X Financial is 4.57, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.25.Price to Book Value per Share RatioX Financial has a P/B Ratio of 1.03. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities. Short Interest5.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted0.13% 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 0.3, 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 51.22%, indicating that investor sentiment is improving significantly. Dividend1.7 / 5Dividend StrengthWeak Dividend YieldX Financial pays a meaningful dividend of 1.02%, higher than the bottom 25% of all stocks that pay dividends.Dividend GrowthX Financial does not have a long track record of dividend growth.Dividend CoverageThe dividend payout ratio of X Financial is 3.33%. 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 Shorted0.13% 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 0.3, 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 51.22%, indicating that investor sentiment is improving significantly. News and Social Media2.6 / 5News Sentiment0.64 News SentimentX Financial has a news sentiment score of 0.64. 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 0.99 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 13 news articles for X Financial this week, compared to 2 articles on an average week.MarketBeat Follows2 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. 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) Q1 2025 Earnings Call TranscriptMay 21 at 9:23 PM | msn.comX Financial (XYF) Q1 2025 Earnings Call Highlights: Robust Loan Growth and Strategic Share BuybacksMay 21 at 9:23 PM | finance.yahoo.comMemorial Day Sale! 82% Off Disruptors and Dominators!Jensen Huang recently gave the keynote speech at the Consumer Electronics Show in Las Vegas. When the Nvidia CEO walked on stage, you could've heard a pin drop. Why? Robots — built by Nvidia.May 24, 2025 | Weiss Ratings (Ad)Q1 2025 X Financial Earnings Call TranscriptMay 21 at 12:25 AM | gurufocus.comX Financial XYF Q1 2025 Earnings Call TranscriptMay 20, 2025 | msn.comX Financial Authorizes $100 Million In Additional Share RepurchasesMay 20, 2025 | marketwatch.comAgilysys, Amer Sports, X Financial And Other Big Stocks Moving Higher On TuesdayMay 20, 2025 | benzinga.comX Financial (XYF) Q1 2025 Earnings Call TranscriptMay 20, 2025 | seekingalpha.comSee More Headlines XYF Stock Analysis - Frequently Asked Questions How have XYF shares performed this year? X Financial's stock was trading at $8.33 at the beginning of 2025. Since then, XYF stock has increased by 107.9% and is now trading at $17.32. View the best growth stocks for 2025 here. How were X Financial's earnings last quarter? X Financial (NYSE:XYF) released its earnings results on Monday, May, 19th. The company reported $1.40 EPS for the quarter. The company had revenue of $267 million for the quarter. X Financial had a trailing twelve-month return on equity of 20.66% and a net margin of 25.03%. Read the conference call transcript. When did X Financial IPO? 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. Who are X Financial's major shareholders? Top institutional shareholders of X Financial include AWH Capital L.P. (0.28%), Acadian Asset Management LLC (0.22%) and Hhlr Advisors LTD. (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 Last Earnings5/19/2025Today5/24/2025Record date for 7/2 Dividend6/20/2025Ex-Dividend for 7/2 Dividend6/20/2025Dividend Payable7/02/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNYSE SectorFinance Industry Nondepository credit institutions Sub-IndustryBanking Current SymbolNYSE:XYF CIK1725033 Webwww.xiaoyinggroup.com Phone8675586282977FaxN/AEmployees420Year FoundedN/AProfitability EPS (Most Recent Fiscal Year)$4.80 Trailing P/E Ratio4.57 Forward P/E RatioN/A P/E GrowthN/ANet Income$167.16 million Net Margins25.03% Pretax Margin30.26% Return on Equity20.66% Return on Assets11.17% Debt Debt-to-Equity RatioN/A Current Ratio2.16 Quick Ratio2.16 Sales & Book Value Annual Sales$2.76 billion Price / Sales0.26 Cash Flow$5.59 per share Price / Cash Flow3.10 Book Value$16.83 per share Price / Book1.03Miscellaneous Outstanding Shares41,780,000Free Float33,475,000Market Cap$723.63 million OptionableNot Optionable Beta0.05 Investing Strategies To Help Grow Your Retirement IncomeNeed to stretch out your 401K or Roth IRA plan? 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