X Financial Class A (XYF)

Currency in USD
5.300
-0.120(-2.21%)
Closed·
5.300+0.005(+0.09%)
·
High dividend Yield
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Fair Value
Day's Range
5.2505.350
52 wk Range
3.30016.400
Key Statistics
Prev. Close
5.42
Open
5.28
Day's Range
5.25-5.35
52 wk Range
3.3-16.4
Volume
28.15K
Average Volume (3m)
76.16K
1-Year Change
-58.7869%
Book Value / Share
26.68
Fair Value
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Fair Value Upside
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XYF Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Analysts Sentiment
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Members' Sentiments
Bearish
Bullish
ProTips
Has raised its dividend for 3 consecutive years

X Financial Class A News & Analysis

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Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Strong Sell
Technical Indicators
Strong Sell
Moving Averages
Sell

X Financial Class A Earnings Call Summary for Q1/2026

  • Q1 2026 revenue plunged 39.3% YoY to $170.5M; net income dropped 91.7% to $5.5M amid strategic origination pullback and elevated credit costs.
  • Operating margin compressed to 12.0% from 29.6% prior year; EPS fell sharply to $0.14 versus $1.64 in Q1 2025 as profitability remains pressured.
  • Company shifted focus to credit quality over volume growth, cutting borrower acquisition costs 69% through internally operated channels.
  • Q2 2026 guidance projects continued loan origination decline to RMB 11.5-12.5B; management prioritizes capital preservation amid regulatory uncertainty.
  • Stock rose 10.18% despite challenges; trades at 0.89x earnings with 22.34% dividend yield, though elevated delinquencies pose ongoing risk.
Last Updated: 28-05-2026, 06:38 pm
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Earnings

Latest Release
27-05-2026
EPS / Forecast
0.96 / --
Revenue / Forecast
1.18B / --
EPS Revisions
Last 90 days

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 25.72%
Dividend Yield
14.14%
Industry Median 1.84%
Annualised payout
0.79
Paid unevenly
5-Years Growth
+2.81%
Growth Streak

XYF Income Statement

Compare XYF to Peers and Sector

Metrics to compare
XYF
Peers
Sector
Relationship
P/E Ratio
1.3x5.0x9.9x
PEG Ratio
−0.05−0.010.03
Price/Book
0.2x0.5x1.0x
Price / LTM Sales
0.2x0.5x3.0x
Upside (Analyst Target)
-51.0%13.1%
Fair Value Upside
Unlock27.0%2.3%Unlock

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.

Ownership

Ownership Overview

Type
Common Stock Held% of Shares OutstandingMarket Value
Mutual Funds & ETFs
165.47K0.43%896.85K
Other Institutional Investors
3.53M9.16%19.13M
Public Companies & Retail Investors
34.83M90.41%188.78M
Total
38.52M100.00%208.8M

Top Holders

Holder
% of holding
Shares Held
Date Reported
Value (In 1,000s)
Legend Architecture Consultant Limited6.01%23,16,07512,553
Acadian Asset Management LLC0.70%2,69,4871,461

FAQ

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

The X Financial A share price today is 5.300.

What is the current X Financial A (XYF) share price and day range?

As of 18-08-2026, the X Financial A share price is 5.300, with a previous close of 5.420. The share price has ranged from 5.250 to 5.350 today, while the 52-week range spans from 3.300 to 16.400.

What Is the X Financial A Market Cap?

As of today, X Financial A market cap is 204.140M.

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

The X Financial A dividend yield is 14.83%.

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

The X Financial A EPS (TTM) is 25.716.

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.

What Stock Exchange Does X Financial A Trade On?

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

What Is the Stock Symbol for X Financial A?

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

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 643 employees.

What Is the XYF Premarket Price?

XYF's last pre-market stock price is 5.400. The pre-market share volume is 100.000, and the stock has changed by -0.020, or -0.370%.

What Is the XYF After Hours Price?

XYF's last after hours stock price is 5.300, the stock has changed by 0.005, or 0.090%.
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