NYSE:XYF X Financial (XYF) Stock Price, News & Analysis $15.75 +0.96 (+6.50%) Closing price 08/22/2025 03:59 PM EasternExtended Trading$15.78 +0.02 (+0.15%) As of 08/22/2025 07:11 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$14.84▼$16.0850-Day Range$12.24▼$19.9752-Week Range$4.36▼$20.35Volume585,999 shsAverage Volume620,865 shsMarket Capitalization$658.08 millionP/E Ratio2.95Dividend Yield3.05%Price TargetN/AConsensus RatingN/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. 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 640th out of 920 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 Valuation1.9 / 5Proj. Earnings GrowthN/A Price to Earnings Ratio vs. the MarketThe P/E ratio of X Financial is 2.95, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 28.44.Price to Earnings Ratio vs. SectorThe P/E ratio of X Financial is 2.95, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.41.Price to Book Value per Share RatioX Financial has a P/B Ratio of 0.61. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities. Short Interest3.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted0.75% 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 0.5, 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 10.90%, indicating that investor sentiment is decreasing significantly. Dividend1.7 / 5Dividend StrengthWeak Dividend YieldX Financial pays a meaningful dividend of 3.08%, 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 8.99%. 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 Shorted0.75% 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 0.5, 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 10.90%, indicating that investor sentiment is decreasing significantly. News and Social Media2.6 / 5News Sentiment0.70 News SentimentX Financial has a news sentiment score of 0.70. 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 1.05 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 14 news articles for X Financial this week, compared to 2 articles on an average week.Search Interest2 people have searched for XYF on MarketBeat in the last 30 days. MarketBeat FollowsOnly 1 people have added X Financial to their MarketBeat watchlist in the last 30 days. This is a decrease of -50% 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 HeadlinesWall Street Zen Downgrades X Financial (NYSE:XYF) to Buy1 hour ago | americanbankingnews.comX Financial (NYSE:XYF) Sees Unusually-High Trading Volume Following Dividend AnnouncementAugust 22 at 2:01 AM | americanbankingnews.comCover all your expenses with just $118,000 invested?Generate up to $5,000/month with 10X less money? That's what every financial advisor tells you. But I just discovered a new way to do it with 10X less money. | Investors Alley (Ad)X Financial (XYF) Q2 2025 Earnings Call Highlights: Robust Growth Amid Regulatory ChallengesAugust 21 at 1:51 PM | finance.yahoo.comX Financial (NYSE:XYF) Trading 3.7% Higher After Dividend AnnouncementAugust 21 at 2:17 AM | americanbankingnews.comX Financial (NYSE:XYF) Q2 2025 Earnings Call TranscriptAugust 20, 2025 | msn.comX Financial Reports Strong Q2 2025 PerformanceAugust 20, 2025 | msn.comX Financial (XYF) Q2 2025 Earnings Call TranscriptAugust 19, 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 the year. Since then, XYF stock has increased by 89.1% and is now trading at $15.7510. How were X Financial's earnings last quarter? X Financial Sponsored ADR (NYSE:XYF) announced its quarterly earnings results on Monday, August, 18th. The company reported $1.85 EPS for the quarter. The firm had revenue of $317.32 million for the quarter. X Financial had a net margin of 23.30% and a trailing twelve-month return on equity of 25.42%. 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? X Financial's top institutional investors 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 Dividend6/20/2025Ex-Dividend for 7/2 Dividend6/20/2025Dividend Payable7/02/2025Last Earnings8/18/2025Today8/24/2025Record date for 10/15 Dividend9/26/2025Ex-Dividend for 10/15 Dividend9/26/2025Dividend Payable10/15/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNYSE SectorFinance Industry FIN - MISC SVCS Sub-IndustryBanking Current SymbolNYSE:XYF CIK1725033 Webwww.xiaoyinggroup.com Phone8675586282977FaxN/AEmployees420Year FoundedN/AProfitability EPS (Trailing Twelve Months)$5.34 Trailing P/E Ratio2.95 Forward P/E RatioN/A P/E GrowthN/ANet Income$210.97 million Net Margins23.30% Pretax Margin28.81% Return on Equity25.42% Return on Assets14.98% Debt Debt-to-Equity RatioN/A Current Ratio2.13 Quick Ratio2.39 Sales & Book Value Annual Sales$804.43 million Price / Sales0.82 Cash Flow$4.95 per share Price / Cash Flow3.18 Book Value$25.80 per share Price / Book0.61Miscellaneous Outstanding Shares41,780,000Free Float28,586,000Market Cap$658.08 million OptionableNot Optionable Beta0.25 Social Links Analysts Agree—These Gold Picks Outshine the RestUnlock the timeless value of gold with our exclusive 2025 Gold Forecasting Report. 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