X Financial/$XYF
13:30
15:10
16:45
18:25
20:00
1D1W1MYTD1Y5YMAX
About X Financial
X Financial is a Cayman Islands-based technology-driven personal finance company. Along with its subsidiaries, the firm provides diversified investment opportunities to investors in China through its wealth management platform, Xiaoying Wealth Management. Loan products offered by the company include Xiaoying Card Loan, Xiaoying Preferred Loan, and Xiaoying Housing Loan. The company generates revenue from loan facilitation service, post-origination service, and guarantee services provided.
Ticker
$XYF
Sector
Primary listing
NYSE
Industry
Consumer Finance
Headquarters
Employees
563
ISIN
US98372W2026
Website
X Financial Metrics
BasicAdvanced
$731M
3.60
$4.81
0.24
$0.16
2.79%
Price and volume
Market cap
$731M
Beta
0.24
52-week high
$19.80
52-week low
$3.78
Average daily volume
392K
Dividend rate
$0.16
Financial strength
Current ratio
4.268
Quick ratio
1.489
Long term debt to equity
0.267
Total debt to equity
8.383
Profitability
EBITDA (TTM)
608.75
Gross margin (TTM)
69.59%
Net profit margin (TTM)
24.77%
Operating margin (TTM)
66.17%
Effective tax rate (TTM)
21.85%
Revenue per employee (TTM)
$1,631,760
Management effectiveness
Return on assets (TTM)
22.53%
Return on equity (TTM)
23.94%
Valuation
Price to earnings (TTM)
3.604
Price to revenue (TTM)
0.875
Price to book
0.1
Price to tangible book (TTM)
0.1
Dividend yield (TTM)
0.94%
Forward dividend yield
2.79%
Growth
Revenue change (TTM)
31.55%
Earnings per share change (TTM)
32.83%
3-year revenue growth (CAGR)
22.30%
3-year earnings per share growth (CAGR)
36.00%
Bulls say / Bears say
X Financial reported a 104% year-over-year increase in net income to 386 million RMB in Q4 2024, indicating strong financial performance. (Investing.com)
The company announced a $48.7 million share repurchase agreement, demonstrating confidence in its valuation and commitment to returning value to shareholders. (StockTitan)
X Financial's P/E ratio of 2.5x is significantly lower than the peer average of 9.3x, suggesting potential undervaluation. (Simply Wall St)
X Financial's debt-to-equity ratio of 1.06 is slightly above the industry average of 0.95, indicating higher leverage and potential financial risk. (DCF.fm)
The company's Altman-Z score of 1.68 suggests a risk of financial distress, as scores below 2.99 indicate potential bankruptcy risk. (ChartMill)
X Financial's revenue growth over the past three years falls short of the industry's one-year growth forecast of 32%, potentially justifying its lower P/S ratio. (Simply Wall St)
Data summarised monthly by Lightyear AI. Last updated on 11 Jun 2025.
X Financial Financial Performance
Revenues and expenses
X Financial Earnings Performance
Company profitability
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
Capital at risk
Upcoming events
Jul2
X Financial
Dividend·Payment
$0.25Per share
FAQs
What’s the current market cap for X Financial stock?
X Financial (XYF) has a market cap of $731M as of June 20, 2025.
What is the P/E ratio for X Financial stock?
The price to earnings (P/E) ratio for X Financial (XYF) stock is 3.6 as of June 20, 2025.
Does X Financial stock pay dividends?
Yes, the X Financial (XYF) stock pays dividends to shareholders. As of June 20, 2025, the dividend rate is $0.162 and the yield is 2.79%. X Financial has a payout ratio of 0% on a trailing twelve-month basis.
When is the next X Financial dividend payment date?
The next X Financial (XYF) dividend payment is scheduled for July 02, 2025.
What is the beta indicator for X Financial?
X Financial (XYF) has a beta rating of 0.24. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.