X Financial (XYF) Stock Price, Financials & Summary

Price chart

Sep 17Sep 22Sep 25Sep 30Oct 5Oct 8Oct 13Oct 16

Key dataOct 16, 2026

Open$5.15

From 52W high−62.44%

Volume45174.00

Market cap$183.93M

P/E (TTM)0.4x

P/S (TTM)0.2x

Div yield11.25%

Key dataOct 16, 2026

Open

$5.15

From 52W high

−62.44%

Volume

45174.00

Market cap

$183.93M

ValuationView details →

P/E (Fwd)

—

EV/EBITDA

−0.8x

P/E (TTM)

0.4x

RSI (14)

48.6

MomentumView details →

1D Return

−2.73%

YTD Return

−9.29%

SummaryUpdated Jun 1, 2026

X Financial (NYSE:XYF) is a Chinese fintech company that operates as an online marketplace connecting borrowers and investors in the People's Republic of China. Founded in 2014 and headquartered in Shenzhen, the company went public on the New York Stock Exchange in September 2018. X Financial has evolved from a traditional peer-to-peer lending platform into a comprehensive personal finance services provider, adapting to China's evolving regulatory landscape while maintaining its core mission of facilitating credit access for underserved consumers and small businesses.

Ask drillr about X Financial →

ValuationView details →

P/E (Fwd)

—

P/E (TTM)

0.4x

EV/EBITDA

−0.8x

EV/Sales

−0.2x

P/S (TTM)

0.2x

P/B (TTM)

0.2x

ProfitabilityView details →

Gross Margin

63.60%

Net Margin

10.10%

EBITDA Margin

26.75%

ROE (TTM)

7.25%

ROA (TTM)

4.64%

Asset Turnover

0.43x

GrowthView details →

Revenue YoY

−14.68%

EPS YoY

−63.42%

FCF YoY

—

Revenue CAGR 3Y

+47.34%

EPS CAGR 3Y

+31.51%

EBITDA YoY

−32.02%

MomentumView details →

1D Return

−2.73%

YTD Return

−9.29%

1Y Return

−61.04%

RSI (14)

48.6

vs 50D SMA

−3.22%

vs 200D SMA

+0.88%

Capital & dividendView details →

Debt/Equity

0.05x

Current Ratio

10.65x

Quick Ratio

10.65x

Div Yield

11.25%

Div Rate

$0.56

Div Growth 1Y

—

EarningsView details →

EPS (Actual)

$0.65

EPS Surprise

121.54%

Beats (12Q)

1/12

Next Q EPS Est

—

Avg Surprise (4Q)

49.39%

Rev Surprise

0.00%

Financials snapshotView financials →

Revenue (TTM)

5.57B

Net Income (TTM)

562.19M

Op. CF (TTM)

1.47B

Next earningsNov 25, 2026 →

Latest newsMore news →

X Financial reported lower second-quarter revenue and loan origination volumes, maintaining a conservative operating approach focused on credit quality, liquidity, and balance-sheet strength.53d ago

X Financial announced it will release its unaudited financial results for the second quarter ended June 30, 2026, before the open of U.S. markets on Monday, August 24, 2026, and will host an earnings conference call at 8:30 AM U.S. Eastern Time the same day.59d ago

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Latest newsMore news →

X Financial reported lower second-quarter revenue and loan origination volumes, maintaining a conservative operating approach focused on credit quality, liquidity, and balance-sheet strength.53d ago X Financial announced it will release its unaudited financial results for the second quarter ended June 30, 2026, before the open of U.S. markets on Monday, August 24, 2026, and will host an earnings conference call at 8:30 AM U.S. Eastern Time the same day.59d ago X Financial announced the resignation of Chief Risk Officer Yufan Jiang, effective July 1, 2026.121d ago