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
$520M
2.30
$5.35
0.30
$0.51
4.42%
Price and volume
Market cap
$520M
Beta
0.3
52-week high
$20.36
52-week low
$6.04
Average daily volume
162K
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)
729.331
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)
$1,870,790
Management effectiveness
Return on assets (TTM)
25.25%
Return on equity (TTM)
24.31%
Valuation
Price to earnings (TTM)
2.301
Price to revenue (TTM)
0.522
Price to book
0.07
Price to tangible book (TTM)
0.07
Dividend yield (TTM)
4.17%
Forward dividend yield
4.42%
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
China plans to enhance its regulatory framework to support tech firms’ overseas listings, which could facilitate X Financial’s future capital raising and strategic flexibility on NYSE (Reuters cite turn6news14).
Mainland China’s Shanghai Composite fintech rally driven by easing U.S.–China tensions and policy shifts suggests strong investor appetite for fintech stocks, potentially lifting X Financial’s valuation (Reuters cite turn6news12).
China’s new policy offering an annual 1 percentage point interest subsidy for loans in consumer service sectors is likely to lower borrowing costs and boost demand for X Financial’s loan products (Reuters cite turn11news13).
Former CSRC chairman Yi Huiman’s investigation for alleged corruption signals intensifying regulatory scrutiny in China’s financial sector, raising compliance risks for platforms like X Financial (Reuters cite turn6news13).
China’s online finance regulator warned unqualified micro-lenders to immediately stop lending, reflecting a broader crackdown on the microloan sector that could constrain X Financial’s core business (Reuters cite turn10search1).
Bloomberg reports regulators ordered fintech firms to break up information monopolies and separate payment services from lending products, tightening oversight that may restrict X Financial’s integrated business model (Bloomberg cite turn9search0).
Data summarised monthly by Lightyear AI. Last updated on 7 Nov 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
No upcoming events
FAQs
What’s the current market cap for X Financial stock?
X Financial (XYF) has a market cap of $520M as of November 12, 2025.
What is the P/E ratio for X Financial stock?
The price to earnings (P/E) ratio for X Financial (XYF) stock is 2.3 as of November 12, 2025.
Does X Financial stock pay dividends?
Yes, the X Financial (XYF) stock pays dividends to shareholders. As of November 12, 2025, the dividend rate is $0.514 and the yield is 4.42%. 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.