X Financial

XYF | NYSE

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$5.12

+$0.22 (+4.49%)

At close: Sep 21, 2026, 4:00 PM ET

-$0.12 (-2.34%)

Pre-market: Sep 22, 2026, 7:53 AM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

+4.49%

(1D)

Rating

Updated: Aug 22, 2026

Fundamentals Excellent

Market Sentiment Neutral

Moat None

Full Analysis

Key Statistics

Market Data

Market Cap $34.05M

1D Range

5.08 5.22

52W Range

3.30 15.29

Valuation (TTM)

PE 0.44

PB 0.03

EV/EBITDA -1.49

Valuation (NTM)

Forward PE 2.25

Forward PEG -0.03

Price Target N/A

Cash Flow

FCF Yield 633.6%

SBC Adj. FCF Yield 599.8%

SBC Impact -5.3%

Margins

Gross Margin 63.6%

Operating Margin 12.9%

FCF Margin 26.0%

Growth (CAGR)

Revenue 3Y | 5Y 33.7% | 47.8%

Dil EPS 3Y | 5Y -15.2% | 7.5%

FCF 3Y | 5Y -92.2% | -58.0%

Returns

ROA 4.6%

ROE 7.2%

ROIC 4.4%

Financial Health

Net Cash

¥2.45B ($360.67M)

Current Ratio 10.65

Interest Coverage 1.35

Dividends

Div Yield 10.94%

Payout Ratio 0.7%

FCF Payout Ratio 10.7%

All Key Statistics

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Profile

Operating in the People's Republic of China, X Financial delivers personal financial solutions, primarily functioning as an online platform that connects individuals seeking funds with potential inves...

Sector Financial Services

Industry Financial - Credit Services

Employees 643

IPO Date Sep 18, 2018

Website www.xiaoyinggroup.com

Fiscal Year January - December

Full Company Profile

Latest News

No news articles available yet.

Earnings

Latest Earnings

Aug 24, 2026

EPS

$0.65

Beat +122.70%

YoY: -65.43%

REV

$145.96M

Miss 0.00%

YoY: -53.95%

Next Earnings

Nov 25, 2026

EPS Est

Pro

Rev Est

Pro

Earnings Details ➞