X Financial

XYF | NYSE

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$5.12

+$0.22 (+4.49%)

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

$5

-$0.12 (-2.34%)

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

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $34.05M

Enterprise Value $-2.22B

Beta 0.48

Average Volume 82.29K

Shares Outstanding (Diluted) 6.32M

Shares Change YoY -13.79%

Institutional Ownership 19.45%

Exchange NYSE

ISIN US98372W2026

Price Performance

Price Change 1M -6.7%

Price Change 3M 4.9%

Price Change 6M 10.8%

Price Change YTD -11.4%

Price Change 1Y -65.2%

Price Change 3Y 19.4%

Price Change 5Y 19.9%

1M CAGR (ann.) 1.8%

1Y CAGR (ann.) -60.6%

5Y CAGR (ann.) 9.4%

All-Time CAGR -18.8%

Valuation

PE Ratio 0.44

Forward PE 2.25

PEG Ratio -0.01

Forward PEG -0.03

PS Ratio 0.04

Forward PS 0.10

PB Ratio 0.03

P/FCF Ratio 0.16

P/Adj. FCF Ratio 0.17

P/OCF Ratio 0.15

EV/Sales -0.40

EV/EBIT -1.50

EV/EBITDA -1.49

EV/FCF -1.53

Earnings Yield 238.9%

FCF Yield 633.6%

Adj. FCF Yield 599.8%

Financial Health

Net Cash ¥2.45B

Total Debt ¥396.35M

Cash & Short-Term Investments ¥2.84B

Total Assets ¥12.11B

Current Ratio 10.65

Quick Ratio 10.65

Debt / Equity Ratio 0.05

Debt / EBITDA 0.27

Debt / FCF 0.27

OCF / Debt 3.70

Interest Coverage 1.35

Altman Z-Score 1.91

Piotroski F-Score 5

Margins & Profitability

Gross Profit Margin 63.6%

Operating Profit Margin 12.9%

EBITDA Margin 26.8%

Net Profit Margin 10.1%

FCF Margin 26.0%

Adj. FCF Margin 24.6%

SBC / Revenue 1.2%

SBC Impact (per share) -5.3%

Returns

Return on Assets 4.6%

Return on Equity 7.2%

Return on Invested Capital 4.4%

Return on Capital Employed 6.1%

Return on Tangible Assets 4.7%

Historical Growth (CAGR)

Revenue CAGR 3Y 33.7%

Revenue CAGR 5Y 47.8%

Revenue CAGR 10Y N/A

EPS CAGR 3Y -15.2%

EPS CAGR 5Y 7.5%

EPS CAGR 10Y N/A

FCF CAGR 3Y -92.2%

FCF CAGR 5Y -58.0%

FCF CAGR 10Y N/A

Analyst Forecasts

Analyst Rating Hold

Analyst Count 0

EPS Growth Next 3Y -55.9%

Revenue Growth Next 3Y -15.2%

Earnings Date Nov 24, 2026

EPS Estimate (next Q) $0.05

EPS Growth Est (next Q) -79.5%

Revenue Est (next Q) $24.44M

Revenue Growth Est (next Q) -40.5%

Fair Value Estimates

Graham Number $222.87

Graham Upside 4252.9%

Lynch Fair Value $88.50

Lynch Upside 1628.5%

Price Target N/A

Price Target Upside N/A

Cash Flow

Operating Cash Flow ¥1.47B

Free Cash Flow ¥1.45B

Adj. Free Cash Flow ¥1.37B

FCF Per Share $231.04

OCF Per Share $234.53

OCF/S Ratio 26.4%

Income Statement

Revenue ¥5.57B

Gross Profit ¥3.54B

Operating Income ¥716.04M

EBITDA ¥1.49B

Net Income ¥562.19M

EPS (Diluted) $81.96

Revenue / Employee $8.66M

Profit / Employee $874.32K

Employees 643

Dividends

Annual Dividend $0.56

Dividend Yield 10.94%

Payout Ratio 0.7%

FCF Payout Ratio 10.7%

Adj. FCF Payout Ratio 11.3%

Dividend Growth (YoY) 5.7%

Pay Frequency Semi-Annual

Ex-Dividend Date Sep 9, 2026