Business Description
X Financial
ISIN : US98372W2026
Share Class Description:
XYF: ADRTotal Employee Number:
643Description
X Financial is a Cayman Islands-based technology-driven personal finance company. Along with its subsidiaries, the firm provides diversified investment opportunities to investors in China through its wealth management platform, Xiaoying Wealth Management. Loan products offered by the company include Xiaoying Card Loan, Xiaoying Preferred Loan, and Xiaoying Housing Loan. The company generates revenue from loan facilitation service, post-origination service, guarantee services provided and financing income.
Financial Strength
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 2.86 | |||||
Equity-to-Asset | 0.64 | |||||
Debt-to-Equity | 0.05 | |||||
Debt-to-EBITDA | 0.57 | |||||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 6/9 | |||||
Altman Z-Score | 1.96 | |||||
Beneish M-Score | -2.16 | |||||
WACC vs ROIC | ||||||
Growth Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 40 | |||||
3-Year EBITDA Growth Rate | 24.1 | |||||
3-Year EPS without NRI Growth Rate | 31.7 | |||||
3-Year FCF Growth Rate | 43.9 | |||||
3-Year Book Growth Rate | 26.1 |
Momentum Rank
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 52.11 | |||||
9-Day RSI | 54.4 | |||||
14-Day RSI | 55.71 | |||||
3-1 Month Momentum % | 2.26 | |||||
12-1 Month Momentum % | -66.76 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Current Ratio | 2.17 | |||||
Quick Ratio | 2.17 | |||||
Cash Ratio | 0.29 | |||||
Days Sales Outstanding | 171.62 | |||||
Days Payable | 456.24 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 10.37 | |||||
Dividend Payout Ratio | 0.26 | |||||
Forward Dividend Yield % | 10.37 | |||||
5-Year Yield-on-Cost % | 10.37 | |||||
3-Year Average Share Buyback Ratio | 6.6 | |||||
Shareholder Yield % | 0.52 |
Profitability Rank
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Gross Margin % | 64.85 | |||||
Operating Margin % | 12.75 | |||||
Net Margin % | 9.95 | |||||
EBITDA Margin % | 12.75 | |||||
FCF Margin % | 25.63 | |||||
OCF Margin % | 26.01 | |||||
ROE % | 7.15 | |||||
ROA % | 4.06 | |||||
ROIC % | 6.79 | |||||
3-Year ROIIC % | 14.58 | |||||
ROC (Joel Greenblatt) % | 139.46 | |||||
ROCE % | 8.48 | |||||
Years of Profitability over Past 10-Year | 8 | |||||
Moat Score | 5 | |||||
Tariff Resilience Score | 7 |
GF Value Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 2.78 | |||||
PE Ratio without NRI | 2.52 | |||||
Shiller PE Ratio | 2.81 | |||||
Price-to-Owner-Earnings | 1.69 | |||||
PS Ratio | 0.26 | |||||
PB Ratio | 0.18 | |||||
Price-to-Tangible-Book | 0.18 | |||||
Price-to-Free-Cash-Flow | 1.1 | |||||
Price-to-Operating-Cash-Flow | 1.09 | |||||
EV-to-EBIT | 0.97 | |||||
EV-to-EBITDA | 0.97 | |||||
EV-to-Revenue | 0.12 | |||||
EV-to-FCF | 0.48 | |||||
Price-to-GF-Value | 0.81 | |||||
Price-to-Projected-FCF | 0.1 | |||||
Price-to-Graham-Number | 0.14 | |||||
| Price-to-Net-Current-Asset-Value | 0.35 | |||||
Earnings Yield (Greenblatt) % | 103.09 | |||||
FCF Yield % | 98.68 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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Performance
Dividend
Log
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Annualized Return % Â
Total Annual Return % Â
X Financial Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 800.973 | ||
| EPS (TTM) ($) | 1.944 | ||
| Beta | 0.7137 | ||
| 3-Year Sharpe Ratio | 0.2 | ||
| 3-Year Sortino Ratio | 0.32 | ||
| Volatility % | 56.03 | ||
| 14-Day RSI | 55.71 | ||
| 14-Day ATR ($) | 0.260155 | ||
| 20-Day SMA ($) | 5.3135 | ||
| 12-1 Month Momentum % | -66.76 | ||
| 52-Week Range ($) | 3.3 - 15.96 | ||
| Shares Outstanding (Mil) | 38.52 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 6 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
X Financial Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
X Financial Stock Events
| Event | Date | Price ($) | ||
|---|---|---|---|---|
| General meeting for 2026 | 2026-12-18 10:00 | In 113 days | ||
| Third quarter earnings conference call for 2026 | 2026-11-20 08:30 | In 85 days | ||
| Third quarter earnings results for 2026 | 2026-11-20 | In 84 days | ||
| USD 0.280000 Cash Dividend | 2026-09-10 | In 13 days | ||
| Second quarter earnings conference call for 2026 | 2026-08-24 08:30 | 5.39 (-3.23%) | ||
| Second quarter earnings results for 2026 | 2026-08-24 | 5.39 (-3.23%) | ||
| First quarter earnings conference call for 2026 | 2026-05-28 07:30 | 4.87 (+9.93%) | ||
| First quarter earnings results for 2026 | 2026-05-28 | 4.87 (+9.93%) | ||
| USD 0.280200 Cash Dividend | 2026-04-30 | 4.94 (+0.00%) | ||
| Annual report for 2025 | 2026-04-30 | 4.94 (+0.00%) |
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X Financial Frequently Asked Questions
What is X Financial(XYF)'s stock price today?
The current price of XYF is $5.40. The 52 week high of XYF is $15.96 and 52 week low is $3.30.
When is next earnings date of X Financial(XYF)?
The next earnings date of X Financial(XYF) is 2026-11-20 Est..
Does X Financial(XYF) pay dividends? If so, how much?
The Dividend Yield %  of X Financial(XYF) is 10.37% (As of Today), Highest Dividend Payout Ratio of X Financial(XYF) was 0.26. The lowest was 0.08. And the median was 0.1. The  Forward Dividend Yield % of X Financial(XYF) is 10.37%. For more information regarding to dividend, please check our Dividend Page.
Guru Commentaries on NYSE:XYF
Ararfund
Bullish
2026 Q2
investor letter may 2026 public
What the manager wrote
We are optimistic about X Financial as it has shown strong earnings growth, with a notable increase following its recent earnings release. The sector is experiencing a normalization of provisions, which has made the low forward P/E estimates an attractive upside risk. Despite regulatory challenges, the stock has seen significant increases, and we believe it has the potential for further growth as we monitor for regulatory clarity.
Van Der Mandele Arar Fund
Bearish
2026 Q1
investor letter mar 2026 public
What the manager wrote
X Financial has been significantly impacted by the recent reforms in the lending sector, particularly the reduction of the allowed annualized lending rate to 24%. This has led to a dramatic reduction in total lending, especially for companies focused on subprime borrowers. X Financial's net earnings came in 75% lower than expected, and guidance for the upcoming quarter indicates further declines in origination. The company has stopped paying dividends, which raises concerns about its financial health moving forward. The potential for further interest rate reductions could exacerbate these challenges.
Press Release
Articles on X Financial
Headlines
See More- 1
Aug 24, 2026
X Financial Non-GAAP EPADS of $0.65, revenue of $146.44M
Seeking Alpha • 4:55am
- 1
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