X Financial/$XYF
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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
$772M
3.80
$4.81
0.24
$0.40
2.64%
Price and volume
Market cap
$772M
Beta
0.24
52-week high
$20.36
52-week low
$3.78
Average daily volume
299K
Dividend rate
$0.40
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)
609.538
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)
$1,633,870
Management effectiveness
Return on assets (TTM)
22.53%
Return on equity (TTM)
23.94%
Valuation
Price to earnings (TTM)
3.803
Price to revenue (TTM)
0.924
Price to book
0.1
Price to tangible book (TTM)
0.1
Dividend yield (TTM)
2.21%
Forward dividend yield
2.64%
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 63.4% year-over-year increase in total loan facilitation to RMB35.1 billion in Q1 2025, indicating strong growth in its core business. (stocktitan.net)
The company announced a new US$100 million share repurchase program effective June 2025, demonstrating confidence in its financial position and commitment to returning value to shareholders. (stocktitan.net)
X Financial's net income grew by 26.2% year-over-year to RMB458.1 million in Q1 2025, reflecting improved profitability. (stocktitan.net)
Despite strong financial performance, X Financial's stock is considered undervalued, trading at a price-to-earnings ratio of 3.29, which may indicate market skepticism about future growth. (defenseworld.net)
The company faces uncertainties due to potential changes in the regulatory environment and macroeconomic conditions in China, which could impact its operations. (gurufocus.com)
There is no guarantee of continued profitability growth, as the company did not provide specific profitability forecasts for 2025, leading to potential investor uncertainty. (gurufocus.com)
Data summarised monthly by Lightyear AI. Last updated on 13 Jul 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.
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Capital at risk
Upcoming events
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FAQs
What’s the current market cap for X Financial stock?
X Financial (XYF) has a market cap of $772M as of July 18, 2025.
What is the P/E ratio for X Financial stock?
The price to earnings (P/E) ratio for X Financial (XYF) stock is 3.8 as of July 18, 2025.
Does X Financial stock pay dividends?
Yes, the X Financial (XYF) stock pays dividends to shareholders. As of July 18, 2025, the dividend rate is $0.404 and the yield is 2.64%. 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 date is unconfirmed.
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.