NYSE · Credit Services · USD

X Financial (XYF) Stock Analysis

X Financial (XYF) is a Credit Services stock listed on NYSE and quoted in US Dollar.

Last Updated: October 21, 2026

XYF

$4.82

−$0.05 (−1.03%)

Oct 21, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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XYF Key Statistics

As of Oct 21, 2026

Trading

Open: $4.89
Previous Close: $4.87
Day's Range: 4.75–4.89
52-Week Range: 3.30–13.16
Volume: 68.17K
Beta: 0.43

Valuation

Market Cap: $178.02M
P/E Ratio: 2.31
Forward P/E: 13.03
P/S ratio: 0.03
EPS (ttm): 2.09

Financials (FY)

Revenue (FY): $7.64B+30.10%
Net Income (FY): $1.46B−4.89%
Profit margin: 10.06%
Shares Outstanding: 20.67M
1-Year Return: −59.64%

Dividend and dates

Dividend: $0.56+11.50%
Ex-Dividend Date: September 10, 2026
Earnings Date: November 26, 2026estimated
Avg Volume: 60.65K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, XYF closed at $4.82, −59.64% over 1 year.

X Financial (XYF) has a market capitalization of $178.02M.

In fiscal 2025, XYF reported revenue of $7.64B.

XYF Stock Return by Calendar Year

X Financial (XYF) return since Sep 2018: what $10,000 became

1 year: $10,000 $4,036; −59.64%
5 years: $10,000 $9,593; −4.07%
Since Sep 2018: $10,000 $1,655; −83.45%

If you had invested $10,000 in X Financial (XYF) at the close on September 19, 2018, the earliest close on record here, it would have been worth $1,655 at the close on October 21, 2026: −83.45% in total, −19.94% a year, with dividends reinvested, over a partial period shorter than 10 years. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

−64.33%+146.55%−8.76%

2018*20192020202120222023202420252026*

Year	Return
2026 (partial year)	−8.76%
2025	−31.79%
2024	+146.55%
2023	+26.06%
2022	+0.33%
2021	+50.50%
2020	−60.55%
2019	−59.73%
2018 (partial year)	−64.33%

As of October 21, 2026.

XYF Revenue and Earnings by Fiscal Year

FY ends December

RevenueNet income

2022202320242025

Fiscal year	Revenue	Net income	Net margin
2025	$7.64B	$1.46B	19.2%
2024	$5.87B	$1.54B	26.2%
2023	$4.81B	$1.19B	24.6%
2022	$3.56B	$812.00M	22.8%

Fiscal year	Revenue	Gross profit	Operating income	Net income	Net margin
2025	$7.64B	$5.60B	$1.61B	$1.46B	19.2%
2024	$5.87B	$4.11B	$1.85B	$1.54B	26.2%
2023	$4.81B	$3.24B	$1.41B	$1.19B	24.6%
2022	$3.56B	$2.23B	$1.08B	$812.00M	22.8%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

XYF Dividend History

’19’23’24’25’26*

$0.25−26.5% vs 2024

Dividends per share, 2025 · 1 payments

Year	Dividends per share	Payments	Change
2026*	$0.56	2	—
2025	$0.25	1	−26.5%
2024	$0.34	2	+100.0%
2023	$0.17	1	—

Year	Dividends per share	Payments	Change
2026 (partial year)	$0.56	2	—
2025	$0.25	1	−26.5%
2024	$0.34	2	+100.0%
2023	$0.17	1	—
2019	$0.30	1	—

Most recent payment: $0.28 per share, ex-dividend September 10, 2026. Per-share amounts summed by calendar year from ex-dividend dates. Partial years are shown muted and marked with an asterisk.

XYF Valuation vs Credit Services Median

Median of 56 stocks

Metric	XYF	Credit Services median	vs median
P/E	2.31	10.91	0.2x the median
P/S ratio	0.03	1.50	0.0x the median
Profit margin	10.06%	9.89%	0.2 pts above

Medians across 56 Credit Services stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Analysis

Data-derived

Company Overview

X Financial (XYF) carries a market capitalisation of $178.02M. The company sits in the Financial Services sector, in the Credit Services industry. Headcount on file is 643.

XYF last closed at $4.82 on October 21, 2026. That is −$0.05 (−1.03%) against the previous close. The 52-week range on file runs from $3.30 to $13.16. The latest close sits 46.06% above that 52-week low.

Financial Health

Fiscal 2025 revenue came to $7.64B. That is +30.10% against the prior fiscal year, when revenue was $5.87B. The same year closed with net income of $1.46B. That is −4.89% against the prior fiscal year. The reported profit margin is 10.06%. That is 0.2 percentage points above the Credit Services median of 9.89%. Earnings per share on a trailing basis come to 2.09.

Across the 4 fiscal years on file, revenue moves from $3.56B in 2022 to $7.64B in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

On trailing earnings, the shares are priced at 2.31 times earnings. That is 0.2 times the Credit Services median of 10.91. On forward earnings the ratio is 13.03. The price-to-sales ratio is 0.03. On price-to-sales that is 0 times the Credit Services median of 1.5. The medians here are taken across 56 Credit Services companies that report the metric.

Beta against the wider market is reported at 0.43. Annualized volatility over the trailing 8 years is 89.8%. Over the trailing twelve months the total return is −59.64%. Measured over 5 years, that is −0.83% a year compounded.

Growth & Income

XYF pays a dividend yielding 11.5%. That is 8.3 percentage points above the Credit Services median yield of 3.19%. At the indicated rate that is $0.56 a share a year. The ex-dividend date on file is September 10, 2026. Dividends are recorded for 5 calendar years; 2026 shows 2 payments totalling $0.56 a share. The year before, 2025, totalled $0.25 a share.

So far in 2026 the total return is −8.76%. Across the complete calendar years on file, 2024 returned +146.55% and 2020 returned −60.55%. Of the 7 complete calendar years on file, 4 finished higher.

Peer Comparison

X Financial (XYF) operates in the Credit Services industry. Here is how it compares to its closest peers by market capitalization:

Company	Ticker	Market Cap	P/E Ratio
X Financial	XYF	$178.02M	2.3
Visa Inc.	V	$765.68B	34.7
Mastercard Incorporated	MA	$545.42B	34.3
American Express Company	AXP	$214.98B	19.3

The Credit Services industry average P/E ratio is 10.9x. X Financial trades at a P/E of 2.3.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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About X Financial

X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. The company offers Xiaoying credit loans, which are online personal credit loan products comprising Xiaoying card loans and other unsecured loan products; and Xiaoying housing loans, a secured home equity loan product. It also provides guarantee, consulting, e-commerce, and microcredit services. In addition, the company engages in the technology development and service, as well as the sale of products. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.

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