X Financial Class A (XYF)

NYSE
Currency in USD
18.770
-0.240(-1.26%)
Closed·
After Hours
18.900+0.130(+0.693%)
·
XYF Scorecard
Full Analysis
Trading at a low P/E ratio relative to near-term earnings growth
XYF is not included in our AI-picked strategies. See which stocks are.
Fair Value
Day's Range
18.41019.700
52 wk Range
3.78019.800
Key Statistics
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Prev. Close
19.01
Open
19.21
Day's Range
18.41-19.7
52 wk Range
3.78-19.8
Volume
371.3K
Average Volume (3m)
288.33K
1-Year Change
337.02%
Book Value / Share
21.6
Fair Value
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Fair Value Upside
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Company’s Health
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Fair Value
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Fair Price
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Analysts Sentiment
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Members' Sentiments
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ProTips
Valuation implies a strong free cash flow yield

X Financial Class A News & Analysis

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X Financial A Company Profile

X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. The company offers Xiaoying credit loans, which are online personal credit loan products comprising Xiaoying card loans and other unsecured loan products; and Xiaoying housing loans, a secured home equity loan product. It also provides guarantee, consulting, e-commerce, and microcredit services. In addition, the company engages in the technology development and service, as well as the sale of products. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.

Sector
Financial
Employees
563

X Financial Class A Earnings Call Summary for Q4/2024

  • Net income surged 104% YoY to 386M RMB in Q4; full-year revenue hit record 5.9B RMB, up 43% YoY
  • Stock price rose 6.61% in premarket trading to $14.03; market cap at $624M with P/E ratio of 2.61
  • Q4 loan volumes up 24% YoY to 32B RMB; AI investments and improved efficiency drove strong performance
  • 2025 guidance: Q1 loan volumes 33.5-34.5B RMB; full-year 134.4-138.4B RMB
  • Executives emphasize continued AI investments and sustainable growth strategy amid potential market challenges
Last Updated: 20-03-2025, 05:40 pm
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Compare XYF to Peers and Sector

Metrics to compare
XYF
Peers
Sector
Relationship
P/E Ratio
3.5x6.0x9.5x
PEG Ratio
0.110.140.03
Price/Book
0.8x1.0x1.0x
Price / LTM Sales
0.9x1.1x2.8x
Upside (Analyst Target)
-14.4%8.4%
Fair Value Upside
Unlock5.9%1.8%Unlock

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 35.23%
Dividend Yield
2.13%
Industry Median 4.25%
Annualised payout
0.40
Paid semi-annually
5-Years Growth
-
Growth Streak

Earnings

Latest Release
May 19, 2025
EPS / Forecast
10.56 / --
Revenue / Forecast
1.94B / --
EPS Revisions
Last 90 days

XYF Income Statement

FAQ

What Is the X Financial A (XYF) Stock Price Today?

The X Financial A stock price today is 18.77.

What Stock Exchange Does X Financial A Trade On?

X Financial A is listed and trades on the New York Stock Exchange stock exchange.

What Is the Stock Symbol for X Financial A?

The stock symbol for X Financial A is "XYF."

Does X Financial A Pay Dividends? What’s The Current Dividend Yield?

The X Financial A dividend yield is 2.15%.

What Is the X Financial A Market Cap?

As of today, X Financial A market cap is 802.40M.

What Is X Financial A's Earnings Per Share (TTM)?

The X Financial A EPS (TTM) is 35.23.

From a Technical Analysis Perspective, Is XYF a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Buy.

How Many Times Has X Financial A Stock Split?

X Financial A has split 1 times.

How Many Employees Does X Financial A Have?

X Financial A has 563 employees.

What is the current trading status of X Financial A (XYF)?

As of 07 Jul 2025, X Financial A (XYF) is trading at a price of 18.77, with a previous close of 19.01. The stock has fluctuated within a day range of 18.41 to 19.70, while its 52-week range spans from 3.78 to 19.80.
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