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
Employees
563
Headquarters
Website
X Financial Metrics
BasicAdvanced
$507M
2.24
$5.36
0.30
$0.51
4.53%
Price and volume
Market cap
$507M
Beta
0.3
52-week high
$20.36
52-week low
$6.04
Average daily volume
186K
Dividend rate
$0.51
Financial strength
Current ratio
4.445
Quick ratio
1.547
Long term debt to equity
0.258
Total debt to equity
5.458
Profitability
EBITDA (TTM)
730.265
Gross margin (TTM)
72.58%
Net profit margin (TTM)
23.30%
Operating margin (TTM)
69.11%
Effective tax rate (TTM)
21.49%
Revenue per employee (TTM)
$1,873,190
Management effectiveness
Return on assets (TTM)
25.25%
Return on equity (TTM)
24.31%
Valuation
Price to earnings (TTM)
2.24
Price to revenue (TTM)
0.508
Price to book
0.07
Price to tangible book (TTM)
0.07
Dividend yield (TTM)
4.28%
Forward dividend yield
4.53%
Growth
Revenue change (TTM)
45.10%
Earnings per share change (TTM)
41.77%
3-year revenue growth (CAGR)
28.93%
3-year earnings per share growth (CAGR)
42.86%
X Financial Financial Performance
Revenues and expenses
X Financial Earnings Performance
Company profitability
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Capital at risk
Upcoming events
No upcoming events
FAQs
What’s the current market cap for X Financial stock?
X Financial (XYF) has a market cap of $507M as of October 31, 2025.
What is the P/E ratio for X Financial stock?
The price to earnings (P/E) ratio for X Financial (XYF) stock is 2.24 as of October 31, 2025.
Does X Financial stock pay dividends?
Yes, the X Financial (XYF) stock pays dividends to shareholders. As of October 31, 2025, the dividend rate is $0.514 and the yield is 4.53%. 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 0.3. 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.