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: $4.74 to $4.82
• 50-Day Range: $4.39 to $5.13
• 52-Week Range: $3.30 to $16.40
• Volume: 38,511 shs
• Average Volume: 49,151 shs
• Market Capitalization: $186.85 million
• P/E Ratio: 1.39
• Dividend Yield: 11.30%
• Price Target: N/A
• Consensus Rating: Hold

X Financial Stock Analysis - MarketRank™

X Financial scored higher than 37% of companies evaluated by MarketBeat, and ranked 707th out of 876 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: 1.2 / 5
• Analyst Rating: Hold

Consensus Rating

X 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 Coverage

X Financial has only been the subject of 1 research reports in the past 90 days.

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 1.39, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 45.81.

Price to Earnings Ratio vs. Sector

The P/E ratio of X Financial is 1.39, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.66.

Price to Book Value per Share Ratio

X 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.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.57% 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 3.31, 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 11.07%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

X Financial is a leading dividend payer. It pays a dividend yield of 11.37%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

X Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of X Financial is 15.65%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 0.0 / 5
• News Sentiment: N/A

MarketBeat Follows

Only 2 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 Ownership

• Score: 0.7 / 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

1.15% of the stock of X Financial is held by institutions.

Company Calendar

• Last Earnings: 8/18/2025
• Record date for 5/20 Dividend: 4/30/2026
• Ex-Dividend for 5/20 Dividend: 4/30/2026
• Dividend Payable: 5/20/2026
• Today: 7/26/2026
• Next Earnings (Estimated): 8/10/2026
• Fiscal Year End: 12/31/2026

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: 2015

Profitability

• EPS (Trailing Twelve Months): $3.45
• Trailing P/E Ratio: 1.39
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $209.43 million
• Net Margins: 15.06%
• Pretax Margin: 19.88%
• Return on Equity: 14.38%
• Return on Assets: 7.93%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 1.92
• Quick Ratio: 1.92

Sales & Book Value

• Annual Sales: $1.09 billion
• Price / Sales: 0.17
• Cash Flow: $5.49 per share
• Price / Cash Flow: 0.87
• Book Value: $28.67 per share
• Price / Book: 0.17

Miscellaneous

• Outstanding Shares: 39,090,000
• Free Float: 26,743,000
• Market Cap: $186.85 million
• Optionable: Not Optionable
• Beta: 0.41