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StockVS

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.

XYF

$5.53

−$0.04 (−0.72%)

Sep 4, 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 Sep 4, 2026
Trading
Open
$5.52
Previous Close
$5.57
Day's Range
5.48–5.61
52-Week Range
3.30–15.58
Volume
88.40K
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
0.48
Valuation
Market Cap
$204.24M
P/E Ratio
2.51
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
14.95
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
0.04
EPS (ttm)Profit attributable to each share over the last twelve months.
2.20
Financials (FY)
Revenue (FY)
$7.64B+30.10%
Net Income (FY)
$1.46B−4.89%
Profit marginThe share of revenue left as profit after all costs and taxes.
10.06%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
20.67M
1-Year Return
−61.86%
Dividend and dates
Dividend
$0.56+10.13%
Ex-Dividend Date
September 10, 2026
Earnings Date
November 26, 2026estimated
Avg Volume
60.43K

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

XYF Stock Return by Calendar Year

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

YearReturn
2026 (partial year)+4.68%
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 September 4, 2026.

XYF Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$7.64B$1.46B19.2%
2024$5.87B$1.54B26.2%
2023$4.81B$1.19B24.6%
2022$3.56B$812.00M22.8%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$7.64B$5.60B$1.61B$1.46B19.2%
2024$5.87B$4.11B$1.85B$1.54B26.2%
2023$4.81B$3.24B$1.41B$1.19B24.6%
2022$3.56B$2.23B$1.08B$812.00M22.8%

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

XYF Dividend History

$0.25−26.5% vs 2024

Dividends per share, 2025 · 1 payments

YearDividends per sharePaymentsChange
2026*$0.281—
2025$0.251−26.5%
2024$0.342+100.0%
2023$0.171—
YearDividends per sharePaymentsChange
2026 (partial year)$0.281—
2025$0.251−26.5%
2024$0.342+100.0%
2023$0.171—
2019$0.301—

Most recent payment: $0.28 per share, ex-dividend April 30, 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 60 stocks
MetricXYFCredit Services medianvs median
P/E2.5112.470.2x the median
P/S ratio0.041.640.0x the median
Profit margin10.06%9.99%0.1 pts above

Medians across 60 Credit Services stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of September 4, 2026.

Recent News

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

X Financial (XYF) carries a market capitalisation of $204.24M. The company sits in the Financial Services sector, in the Credit Services industry. Headcount on file is 643.

XYF last closed at $5.53 on September 4, 2026. That is −$0.04 (−0.72%) against the previous close. The 52-week range on file runs from $3.30 to $15.58. The latest close sits 67.58% 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 0.1 percentage points above the Credit Services median of 9.99%. Earnings per share on a trailing basis come to 2.2.

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 2.51 times earnings. That is 0.2 times the Credit Services median of 12.47. On forward earnings the ratio is 14.95. The price-to-sales ratio is 0.04. On price-to-sales that is 0 times the Credit Services median of 1.64. The medians here are taken across 60 Credit Services companies that report the metric.

Beta against the wider market is reported at 0.48. Annualized volatility over the trailing 8 years is 90.13%. Over the trailing twelve months the price has returned −61.86%. Measured over 5 years, that is +7.22% a year compounded.

Growth & Income

XYF pays a dividend yielding 10.13%. That is 5.9 percentage points above the Credit Services median yield of 4.22%. 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 1 payments totalling $0.28 a share. The year before, 2025, totalled $0.25 a share.

So far in 2026 the price is +4.68%. 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 $204.24M 2.5
Visa Inc. V $700.27B 31.9
Mastercard Incorporated MA $507.39B 32.3
American Express Company AXP $220.26B 20.0

The Credit Services industry average P/E ratio is 12.5x. X Financial trades at a P/E of 2.5.

Every figure above is read from this page's own data on each nightly rebuild. Informational only, not financial advice. As of September 4, 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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