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NYSE:XYF

X Financial (XYF) Stock Price, News & Analysis

X Financial logo
$15.75 +0.96 (+6.50%)
Closing price 08/22/2025 03:59 PM Eastern
Extended Trading
$15.91 +0.16 (+1.02%)
As of 08:45 AM 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
$14.84
$16.08
50-Day Range
$12.24
$19.97
52-Week Range
$4.36
$20.35
Volume
585,999 shs
Average Volume
568,970 shs
Market Capitalization
$658.08 million
P/E Ratio
2.95
Dividend Yield
3.05%
Price Target
N/A
Consensus Rating
N/A

Company Overview

X Financial Stock Analysis - MarketRank™

See Top-Rated MarketRank™ Stocks
51st Percentile Overall Score

XYF MarketRank™: 

X Financial scored higher than 51% of companies evaluated by MarketBeat, and ranked 637th out of 924 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 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. Sector

    The 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 Ratio

    X Financial has a P/B Ratio of 0.69. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

  • Percentage of Shares Shorted

    0.75% 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 0.5, 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 10.90%, indicating that investor sentiment is decreasing significantly.
  • Dividend Yield

    X Financial pays a meaningful dividend of 3.08%, 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%.

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

    0.75% 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 0.5, 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 10.90%, indicating that investor sentiment is decreasing significantly.
  • News Sentiment

    X Financial has a news sentiment score of 0.66. 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 1.07 average news sentiment score of Finance companies.
  • News Coverage This Week

    MarketBeat has tracked 16 news articles for X Financial this week, compared to 2 articles on an average week.
  • Search Interest

    2 people have searched for XYF on MarketBeat in the last 30 days.
  • MarketBeat Follows

    Only 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.
  • 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

Wall Street Zen Downgrades X Financial (NYSE:XYF) to Buy
What Steve Bannon revealed about Trump’s gold play
A Trump advisor just said 3 words that could reset the dollar. It’s a gold move nobody saw coming—and your IRA could be at risk. Here’s how to prepare.tc pixel
X Financial (XYF) Q2 2025 Earnings Call Transcript
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 shares have increased by 89.1% and is now trading at $15.7510.

X Financial Sponsored ADR (NYSE:XYF) issued its quarterly earnings data 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
.

X Financial (XYF) raised $110 million in an initial public offering (IPO) 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.

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

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

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
8/25/2025
Record date for 10/15 Dividend
9/26/2025
Ex-Dividend for 10/15 Dividend
9/26/2025
Dividend Payable
10/15/2025
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
Fax
N/A
Employees
420
Year Founded
N/A

Profitability

EPS (Trailing Twelve Months)
$5.34
Trailing P/E Ratio
2.95
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
$804.43 million
Price / Sales
0.82
Cash Flow
$4.95 per share
Price / Cash Flow
3.18
Book Value
$22.80 per share
Price / Book
0.69

Miscellaneous

Outstanding Shares
41,780,000
Free Float
28,586,000
Market Cap
$658.08 million
Optionable
Not Optionable
Beta
0.25

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This page (NYSE:XYF) was last updated on 8/25/2025 by MarketBeat.com Staff
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