X Financial (XYF)

NYSE: XYF · USD

$4.87

-0.02 (-0.3%)· Recorded snapshot

Market cap	187.4M
Revenue (ttm)	824.2M
Net income (ttm)	82.9M
EPS (ttm)	$2.13
Shares out	38.5M
P/E (trailing)	2.3x
Dividend	$0.56 (11.56%)
Volume	27,790
Beta	0.43

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 824.2M
Net income (ttm): 82.9M
EPS (ttm): $2.13
P/E (trailing): 2.3x
Market cap: 187.4M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Starker Kauf
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Starker Kauf
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Halten

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/E2.3

P25 n/aP50 n/aP75 n/a

ROE7.3

P25 n/aP50 n/aP75 n/a

ROIC30.8

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All XYF indicators

Market & fundamental data

Available fields

245

Groups with data

Currency

CNY

Showing 245 of 245 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001725033
Company name	X Financial
Country	China
Country code	US
CUSIP number	98372W202
Earnings date	2026-11-19
Earnings time	amc
Employees	643
Employees change	80
Employees growth	14.21%
Enterprise value	$83.4M
Exchange	NYSE
Financial currency	CNY
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	2014
Industry	Credit Services
IPO date	2018-09-18
Is primary listing	Yes
Is SPAC	No
ISIN number	US98372W2026
Last 10-K release date	2026-04-30
Last earnings date	2026-08-24
Last refreshed	2026-10-28
Last stock split date	2020-11-19
Last stock split type	Reverse
Market cap	$187.4M
Market cap category	Micro-Cap
Next earnings date	2026-11-19
Options	No
Price	$4.87
Price currency	USD
Sector	Financials
SIC code	6199
Stock price date	2026-10-28
Symbol	XYF
Website	https://ir.xiaoyinggroup.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Average P/E ratio (10Y)	4.63x
Average P/E ratio (3Y)	1.73x
Average P/E ratio (5Y)	4.49x
Earnings yield	43.77%
EV/Earnings	1.02x
EV/EBIT	0.2x
EV/EBITDA	0.2x
EV/FCF	0.39x
EV/Sales	0.1x
FCF / EV yield	257.18%
FCF yield	115.13%
Graham number	38.16933
Graham upside	680.56%
Industry forward P/E	19.55x
Industry P/E	22.96x
Lynch fair value	$10.65
Lynch upside	117.72%
P/B ratio	0.16x
P/E ratio	2.28x
P/FCF ratio	0.87x
P/S ratio	0.23x
Price / tangible book value	0.17x
Price/EBITDA ratio	0.44x
Sector forward P/E	13.23x
Sector P/E	15.68x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	52.2%
EBITDA margin	52.43%
Effective tax rate	25.33%
FCF margin	21.02%
Gross margin	60.11%
Operating margin	52.2%
Pretax margin	13.48%
Profit margin	10.06%
Profit per employee	$128,976
Profitable quarters	22
Profitable years	5
Revenue per employee	$1.3M
ROA	14.16%
ROA (5Y)	17.15%
ROCE	28.67%
ROE	7.28%
ROE (5Y)	21.65%
ROIC	30.77%
ROIC (5Y)	44%
Tax / revenue	3.41%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	-62.06%
EPS growth (Q)	-89.57%
EPS growth (QoQ)	30.36%
EPS growth 3Y	-14.01%
EPS growth years	5
Gross profit growth	-38.19%
Gross profit growth (Q)	-67.16%
Gross profit growth 3Y	31.66%
Gross profit growth 5Y	34.58%
Net income growth	-67.77%
Net income growth (Q)	-91.1%
Net income growth (QoQ)	23.81%
Net income growth 3Y	-20.87%
Net income growth years	0
Operating income growth	-43.63%
Operating income growth (Q)	-69.56%
Operating income growth 3Y	30.48%
Operating income growth 5Y	38.71%
Revenue growth	-25.37%
Revenue growth (Q)	-56.29%
Revenue growth (QoQ)	-15.52%
Revenue growth 3Y	11.16%
Revenue growth 5Y	12.44%
Revenue growth years	3

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-3.3M
Depreciation and amortization	$2M
EBIT	$430.2M
EBITDA	$432.2M
EPS	$2.13
FCF per share	$5.63
Free cash flow	$216.8M
Gross profit	$495.4M
Income taxes	$28.1M
Net income	$82.9M
Operating income	$430.2M
Revenue	$824.2M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Altman Z-Score	2.9
Book value per share	$30.41
Debt / EBITDA	0.14
Debt / equity	0.05
Debt / FCF	0.29
Interest coverage	245.68
Long-term assets	$522.7M
Long-term liabilities	$353.6M
Net cash (debt)	$104M
Net cash / market cap	55.23%
Net cash growth	-3.41%
Net debt / EBITDA	-0.24
Net debt / equity	-0.09
Net debt / FCF	-0.48
Piotroski F-Score	2
Property, plant and equipment	$3.7M
Shareholders' equity	$1.1B
Tangible book value	$1.1B
Tangible book value per share	$30.26
Total assets	$1.8B
Total cash	$166.6M
Total debt	$62.6M
Total liabilities	$639.9M
WACC	5.47%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.43
Current assets	$1.3B
Current liabilities	$286.3M
Current ratio	4.4
Net working capital	$846.3M
Quick ratio	1.31
Working capital	$954.6M
Working capital turnover	0.1

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	14.93%
Dividend growth	5.84%
Dividend growth (3Y)	49.75%
Dividend growth (5Y)	27.41%
Dividend growth years	2
Dividend payment date	2026-09-28
Dividend payment years	4
Dividend payout frequency	Semi-Annual
Dividend per share	$0.56
Dividend yield	11.56%
Ex-dividend date	2026-09-10
FCF payout ratio	9.66%
Last dividend	$0.27
Payout ratio	25.55%
Shareholder yield	26.39%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	$4.93
1D price change	-0.31%
1M price change	-6.84%
1M total return	-6.84%
1W price change	0.62%
1W total return	0.62%
1Y price change	-61.66%
1Y return CAGR	-57.35%
1Y total return	-57.32%
20-day SMA	$4.99
200-day SMA	$4.99
3M price change	-1.61%
3M total return	3.49%
3Y price change	20.39%
3Y return CAGR	14.36%
3Y total return	49.58%
50-day SMA	$5.17
50-day SMA vs 200-day SMA	50over200
52-week high	$12.85
52-week high date	2025-11-03
52-week low	$3.30
52-week low date	2026-03-27
5Y price change	8.89%
5Y return CAGR	7.03%
5Y total return	40.46%
6M price change	-1.21%
6M total return	9.97%
All-time high	$60.90
All-time high date	2018-09-19
All-time low	$1.43
All-time low date	2020-09-24
Average true range (ATR)	$0.20
Average volume	48.4K
Beta (1Y)	1.89
Beta (2Y)	0.91
Beta (5Y)	0.43
Change from 52-week high	-62.14%
Change from 52-week low	47.42%
Change from all-time high	-91.95%
Change from all-time low	243.86%
Change from open	-0.1%
Day's gap	-0.2%
Dollar volume	$135,198
High price	$4.93
Low price	$4.70
Monthly RSI	41.47
Open price	$4.87
Position in 52-week range	72.34%
Premarket change	0%
Premarket close	$4.88
Premarket price	$4.88
Premarket volume	200
Previous close	$4.88
Price vs 150-day SMA	-0.57%
Price vs 20-day SMA	-1.72%
Price vs 200-day SMA	-1.8%
Price vs 50-day SMA	-5.28%
Relative volume	0.57
RSI	45.59
Sharpe ratio	-1.24
Sharpe ratio (3Y)	0.49
Sharpe ratio (5Y)	0.36
Sortino ratio	-1.45
Sortino ratio (3Y)	0.81
Sortino ratio (5Y)	0.63
Volume	27.8K
Weekly RSI	43.32
YTD price change	-12.5%
YTD total return	-2.6%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	14.2M
Float percentage	36.94%
Shares change (QoQ)	-3.79%
Shares change (YoY)	-14.93%
Shares held by insiders	57.05%
Shares held by institutions	2.27%
Shares outstanding	38.5M
Short % of shares	0.51%
Short ratio	1.1 days

Deeper analysis on XYF

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this XYF report

Is a complete XYF research report available?

No complete published report is available for X Financial (XYF) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

X Financial (XYF)

Price

Financial snapshot

Fair-value bridge

Latest news · XYF

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All XYF indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on XYF

Frequently asked questions