Financials / Credit ServicesUpdated 2026-05-10 22:07 UTC

XYF stock hub

X Financial has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

211M

NYSE

Market data

Live price

Current market quote for this ticker.

Current price

XYF

In the news

Latest news · XYF

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Fetching the latest headlines.

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/En/a

P25 8.8P50 10.4P75 13.1

Trailing P/E1

P25 10.9P50 14.7P75 36.2

ROE19.8

P25 4.9P50 10.4P75 15

ROIC54

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All XYF market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

216

Groups with data

Currency

CNY

Showing 216 of 216 available metrics for this ticker.

Profile and market data

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

Metric	Value
Cik	0001725033
Company name	X Financial
Country	China
Country code	US
Cusip	98372W202
Employees	563
Employees Change	42%
Employees Change Percent	8.06
Enterprise value	$133.4M
Exchange	NYSE
Financial currency	CNY
First seen	2026-05-09
Industry	Credit Services
IPO Date	2018-09-18
Isin	US98372W2026
Last refreshed	2026-05-10
Market cap	$211M
Market cap category	Micro-Cap
Price	$5
Price currency	USD
Rev Per Employee	1,940,000.36x
Sector	Financials
Sic	6199
Symbol	XYF
Website	https://ir.xiaoyinggroup.com

Valuation

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

Metric	Value
Earnings Yield	99.21%
EV Earnings	0.64x
EV/EBIT	0.19x
EV/EBITDA	0.19x
EV/Sales	0.12x
P/B ratio	0.17x
P/E ratio	0.99x
P/S ratio	0.19x
PE Ratio10 Y	4.87x
PE Ratio3 Y	1.65x
PE Ratio5 Y	4.8x

Profitability

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

Metric	Value
EBIT Margin	63.31%
EBITDA Margin	63.4%
Gross margin	69.1%
Gross Profit	$754.7M
Gross Profit Growth	34.94%
Gross Profit Growth Q	-31.16%
Gross Profit Growth3 Y	36.69%
Net Income	$209.4M
Net Income Growth	-4.89%
Net Income Growth Q	-85.18%
Net Income Growth Years	0%
Net Income Growth3 Y	21.73%
Pretax Margin	22.99%
Profit Margin	19.17%
Profit Per Employee	$371,917
Profitable Years	5
ROA	22.83
Roa5y	17.15
ROCE	39.6
ROE	19.8
Roe5y	21.65
ROIC	54.01
Roic5y	44.01

Growth

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

Metric	Value
Cagr1y	-57.43%
Cagr3y	22.44%
Cagr5y	7.46%
Div CAGR3	49.77%
EPS Growth	11.81
EPS Growth Q	-82.09
EPS Growth Years	5
EPS Growth3 Y	32.56
Revenue Growth	30.1x
Revenue Growth Q	-14.1x
Revenue Growth Years	3x
Revenue Growth3 Y	28.95x
Revenue Growth5 Y	28.35x

Financial strength

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

Metric	Value
Asset Turnover	$0.58
Assets	$2.1B
Cash	$141.2M
Current Assets	$1.8B
Current Liabilities	$360.8M
Debt	$63.5M
Debt EBITDA	$0.09
Debt Equity	$0.06
Equity	$1.1B
Liabilities	$976.3M
Long Term Assets	$283M
Long Term Liabilities	$615.6M
Net Cash	$77.7M
Net Cash By Market Cap	$36.8
Net Cash Growth	-11.78%
Net Debt EBITDA	$-0.11
Net Debt Equity	$-0.07
Tangible Book Value	$1.1B
Tangible Book Value Per Share	$28.64
WACC	5.42

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	5.03
Net Working Capital	$1.3B
Quick ratio	1.68
Working Capital	$1.4B
Working Capital Turnover	$0.12

Dividends and buybacks

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

Metric	Value
Buyback Yield	14.95%
Dividend Growth	124.88%
Dividend Growth Years	2%
Dividend per share	$0.56
Dividend Years	4
Dividend Yield	11.21%
Ex Div Date	2026-04-30
Last Dividend	$0.27
Payout Frequency	Semi-Annual
Payout Ratio	10.81%

Performance and technicals

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

Metric	Value
1Y total return	-57.41%
200-day SMA	8.89
3Y total return	83.6%
50-day SMA	4.66
50-day SMA vs 200-day SMA	50under200
5Y total return	43.28%
All Time High	60.9
All Time High Change	-91.79%
All Time High Date	2018-09-19
All Time Low	1.43
All Time Low Change	250.88%
All Time Low Date	2020-09-24
ATR	0.26
Beta	0.51
Beta1y	1.53
Beta2y	0.77
Ch YTD	-10.71
High	5.22
High52	20.36
High52 Date	2025-07-09
High52ch	-75.44%
Low	4.97
Low52	3.3
Low52 Date	2026-03-27
Low52ch	51.52%
Ma50ch	7.39%
Price vs 200-day SMA	-43.73%
RSI	56.13
RSI Monthly	41.04
RSI Weekly	36.99
Sharpe ratio	-1.06x
Sortino ratio	-1.29
Total Return	26.16%
Tr YTD	-5.51
Tr1m	23.64%
Tr1w	3.95%
Tr3m	0.6%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	$691.5M
Operating Income Growth	30.7
Operating Income Growth Q	-43.67
Operating Income Growth3 Y	36.49
Operating margin	63.31

Ownership and float

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

Metric	Value
Float	18,295,322%
Float Percent	43.34%
Shares Insiders	51.17%
Shares Institutions	5.24%
Shares Out	42,209,393
Shares Qo Q	-5.17%
Shares Yo Y	-14.95%
Short Ratio	1.01
Short Shares	1.55

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	138,476.95x
Bv Per Share	28.79
Ch1m	16.82
Ch1w	3.95
Ch1y	-61.09
Ch3m	-4.94
Ch3y	49.7
Ch5y	16.82
Ch6m	-59.87
Change	-3.29%
Change From Open	-4.21
Close	5.17
Days Gap	0.97
Depreciation Amortization	1,058,519
Dollar Volume	522,205
Earnings Date	2026-05-20
Earnings Time	amc
EBIT	$691.5M
EBITDA	$692.5M
EPS	$5.04
F Score	5
Fiscal Year End	December
Founded	2,014
Graham Number	57.11023
Graham Upside	1,042.2
Income Tax	$41.7M
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-03-25
Last Report Date	2025-12-31
Last Split Date	2020-11-19
Last Split Type	Reverse
Last10k Filing Date	2026-04-30
Lynch Fair Value	$109
Lynch Upside	2,088
Ma150	7.08
Ma150ch	-29.41%
Ma20	4.86
Ma20ch	2.99%
Next Earnings Date	2026-05-22
Open	5.22
Optionable	No
Payment Date	2026-05-20
Position In Range	12
Post Close	5
Postmarket Change Percent	-4
Postmarket Price	$4.8
Ppne	3,514,292.4
Price Date	2026-05-08
Price EBITDA	$0.3
Ptbv Ratio	0.19
Relative Volume	0.75x
Revenue	1,092,220,204x
Tax By Revenue	3.82x
Tax Rate	16.61%
Tr6m	-57.53%
Volume	104,441
Z Score	3.29

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

XYF dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+11.2%

$0.56 annual per share

Payout ratio

+10.8%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

n/a

2 consecutive years of growth

Total shareholder yield

+26.2%

Next ex-dividend date: 2026-04-30

Performance

XYF stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns XYF?

Insider, institutional, and short-interest positioning.

Institutional ownership

+5.2%

Float: +43.3% of shares outstanding

Insider ownership

+51.2%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

XYF momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

56.1

Neutral momentum band

Price vs 200-day MA

-43.7%

50/200-day relationship not available

Beta (5Y)

0.51

Less volatile than the market

Sharpe ratio

-1.06

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

XYF vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	縮小
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	縮小
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	縮小

Questions

About XYF

Hub-level FAQ points readers to the deeper analysis pages.

What is the current XYF stock rating?

X Financial is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full XYF analysis?

The full report lives at /stocks/XYF/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for XYF?

The latest report frames XYF around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the XYF page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.