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
$599M
2.65
$5.35
0.30
$0.40
3.41%
Price and volume
Market cap
$599M
Beta
0.3
52-week high
$20.36
52-week low
$4.56
Average daily volume
423K
Dividend rate
$0.40
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)
729.434
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)
$1,871,060
Management effectiveness
Return on assets (TTM)
25.25%
Return on equity (TTM)
24.31%
Valuation
Price to earnings (TTM)
2.652
Price to revenue (TTM)
0.601
Price to book
0.08
Price to tangible book (TTM)
0.08
Dividend yield (TTM)
2.85%
Forward dividend yield
3.41%
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%
Bulls say / Bears say
Total net revenue jumped 65.6% YoY to $317.3 million in Q2 2025, driven by robust platform activity and loan facilitation growth (PRNewswire).
X Financial originated a record RMB 38.99 billion in loans during Q2 2025, up 71.4% YoY, reflecting strong borrower demand on its Xiaoying Wealth Management platform (PRNewswire).
Active borrowers rose 73.7% YoY to 2.85 million in Q2 2025 while the 31–60 day delinquency rate improved to 1.16%, underscoring both rapid user growth and enhanced asset quality (PRNewswire).
Impending regulatory changes from the NFRA’s April 1, 2025 Notice on Strengthening the Management of Internet Loan Assistance Business, effective October 1, 2025, may curtail X Financial’s ability to collect certain facilitation and service fees and impose stricter disclosure requirements, potentially reducing fee income margins (SEC 20-F).
For Q3 2025, X Financial guided loan facilitation volumes of RMB 32.0–34.0 billion, down from a record RMB 38.99 billion in Q2, indicating a deceleration in growth momentum that could pressure top-line expansion (PRNewswire).
X Financial’s Cayman-based VIE structure remains subject to PRC regulatory scrutiny, and any government action disallowing VIE arrangements could materially disrupt its operations and impair the value of its ADSs (SEC 20-F).
Data summarised monthly by Lightyear AI. Last updated on 4 Sept 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
Sept26
X Financial
DividendEx-dividend
Oct15
X Financial
DividendPayment
$0.28Per share
FAQs
What’s the current market cap for X Financial stock?
X Financial (XYF) has a market cap of $599M as of September 13, 2025.
What is the P/E ratio for X Financial stock?
The price to earnings (P/E) ratio for X Financial (XYF) stock is 2.65 as of September 13, 2025.
Does X Financial stock pay dividends?
Yes, the X Financial (XYF) stock pays dividends to shareholders. As of September 13, 2025, the dividend rate is $0.404 and the yield is 3.41%. 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 October 15, 2025.
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.