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X FinancialXYF +2.66%76 5-Year Yield-on-Cost % is 10.37 as of Aug. 28, 2026, which is 145% above its 10-year median of 4.24. GuruFocus rates XYF with a GF Score™ of 76/100 and a GF Value™ of $6.70 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 210 Credit Services companies, X Financial ranks better than 85.24% on this metric.
X Financial's yield on cost for the quarter that ended in Jun. 2026 was 10.37.
The historical rank and industry rank for X Financial's 5-Year Yield-on-Cost % or its related term are showing as below:
XYF'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.7 Med: 4.24 Max: 14.56
Current: 10.37
During the past 10 years, X Financial's highest Yield on Cost was 14.56. The lowest was 1.70. And the median was 4.24.
XYF's 5-Year Yield-on-Cost % is ranked better than 85.24% of 210
companies
in the Credit Services industry
Industry Median: 4.48
vs XYF: 10.37
X Financial (NYSE:XYF) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
X Financial 5-Year Yield-on-Cost % Related Terms
XYF vs CPSS, FOA, PMTS: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, X Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
X Financial 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, X Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where X Financial's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of X Financial is calculated as
X Financial (XYF) has a 5-Year Yield-on-Cost % of 10.37 as of Aug. 28, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on X Financial and its competitors. This is 145% above median its historical median of 4.24. Over the past decade, X Financial's 5-Year Yield-on-Cost % has ranged from 1.70 to 14.56. According to the industry distribution chart, X Financial ranks #31 out of 210 companies in the Credit Services industry, placing it in the top 14.8%.
Is X Financial's 5-Year Yield-on-Cost % too high?
X Financial's current 5-Year Yield-on-Cost % of 10.37 is 145% above median its 10-year median of 4.24. Over the past 10 years, this metric has ranged from a low of 1.70 to a high of 14.56. The Credit Services industry median 5-Year Yield-on-Cost % is 4.48. X Financial's value of 10.37 is 131.5% above this industry median. Based on the distribution chart, X Financial ranks #31 out of 210 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, X Financial has a GF Score™ of 76/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does X Financial's 5-Year Yield-on-Cost % compare to CPSS and FOA?
According to the Credit Services industry distribution chart, X Financial ranks #31 out of 210 companies for 5-Year Yield-on-Cost %. This places X Financial in the top 15% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 4.48. X Financial's value of 10.37 is 131.5% above this benchmark. Historically, X Financial's own 5-Year Yield-on-Cost % has ranged from 1.70 to 14.56 over the past decade. While the company's 10-year median is 4.24 vs. the industry median of 4.48, X Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.48, based on 210 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. X Financial's current 5-Year Yield-on-Cost % of 10.37 is 131.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on X Financial and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. X Financial's current 5-Year Yield-on-Cost % is 10.37, which is 145% above median its own 10-year median of 4.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is X Financial stock overvalued right now?
Based on GuruFocus' analysis, X Financial (XYF) is currently considered Modestly Undervalued. The stock's GF Value™ is $6.70, compared to a current price of $5.40 — trading 19.4% below its estimated fair value. The current 5-Year Yield-on-Cost % is 10.37, which is 145% above median its 10-year median of 4.24 and 131.5% above the Credit Services industry median of 4.48. X Financial's overall GF Score™ is 76/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For X Financial (XYF), the current 5-Year Yield-on-Cost % is 10.37 as of Aug. 28, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is X Financial (XYF) Overvalued in 2026?
Based on GuruFocus' analysis, X Financial stock appears to be undervalued.
The current stock price of $5.40 is trading 19.4% below its estimated GF Value™ of $6.70.
GuruFocus considers X Financial to be Modestly Undervalued.
Key valuation signals for XYF:
5-Year Yield-on-Cost %: 10.37 (145% above median its 10-year median of 4.24)
GF Value™: $6.70 vs. price of $5.40 (19.4% below fair value)
Industry Position: 131.5% above the Credit Services median (#31 of 210)
No single metric tells the full story. See the XYF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
76GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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