XYF Company Profile and Key Details

Q: Who are the executives of XYF?

Ms. Jennifer ZhangInvestor RelationsMr. Yue TangFounder, Chief Executive Officer & ChairmanMr. Fuya ZhengChief Financial OfficerMr. Ding GaoCo-Founder & Chief Technology OfficerMr. Kan LiPres, Chief Risk Officer & Director

NYSE : XYF

X Financial

$5.18

-0.34-6.16%

At Close 4:00 PM

62.36

BESG ScoreESG Rating

Profile Key Stats Analyst Ratings Ownership Ratios Financials Dividend & splits Sentiment Forecast

Price Chart

Stock Price Today

X Financial (XYF) stock declined over -6.16%, trading at $5.18 on NYSE, down from the previous close of $5.52. The stock opened at $5.26, fluctuating between $5.15 and $5.40 in the recent session.

Stock Snapshot

5.52

Prev. Close

34.45M

Market Cap

5.1501

Day Low

1.34

P/E Ratio

3.87

EPS (TTM)

9078.93

Cash Flow per Share

5.26

Open

6.65M

Number of Shares

5.4

Day High

246.81%

Free Float in %

118.82

Book Value

37.75K

Volume

Relevant Articles

SEC Fillings

Current Report (8-k)

Filing Date	Accepted Date

Annual Report (10-k)

Filing Date	Accepted Date

Stock Price History Chart

Date	Open	High	Low	Close	Volume
Sep 10, 2026	5.32	5.40	5.15	5.18	37.75K
Sep 09, 2026	5.45	5.62	5.36	5.52	63K
Sep 08, 2026	5.50	5.56	5.35	5.44	300.64K
Sep 04, 2026	5.52	5.61	5.48	5.53	88.45K
Sep 03, 2026	5.53	5.60	5.36	5.57	74.63K
Sep 02, 2026	5.49	5.60	5.44	5.53	31.1K
Sep 01, 2026	5.66	5.84	5.50	5.54	74.99K
Aug 31, 2026	5.54	5.70	5.35	5.70	99.68K
Aug 28, 2026	5.15	5.55	5.11	5.54	78.82K
Aug 27, 2026	5.26	5.40	5.21	5.40	76.55K
Aug 26, 2026	5.37	5.37	5.04	5.26	56.25K
Aug 25, 2026	5.50	5.50	5.18	5.42	49.4K
Aug 24, 2026	5.43	5.63	5.11	5.50	105.32K
Aug 21, 2026	5.57	5.65	5.27	5.39	72.02K
Aug 20, 2026	5.47	5.56	5.40	5.50	45.62K
Aug 19, 2026	5.41	5.50	5.25	5.48	35.38K
Aug 18, 2026	5.22	5.40	5.21	5.33	39.73K
Aug 17, 2026	5.28	5.35	5.25	5.30	28.15K
Aug 14, 2026	5.56	5.56	5.33	5.42	29.72K
Aug 13, 2026	5.21	5.59	5.21	5.56	81.98K

Contact Details

Shenzhen, GD 518067

China

https://www.xiaoyinggroup.com 867 558 6282977

About Company

Operating in the People's Republic of China, X Financial delivers personal financial solutions, primarily functioning as an online platform that connects individuals seeking funds with potential investors. The company's diverse lending portfolio encompasses the Xiaoying credit loan, which features the Xiaoying card loan component; the Xiaoying preferred loan, specifically tailored for small enterprise owners; and the Xiaoying revolving loan. Beyond these offerings, X Financial also provides the Xiaoying housing loan, a home equity product for property owners. Through its Xiaoying wealth management platform, clients can access various investment vehicles, including loans, money market instruments, and insurance products. Furthermore, the company extends loan facilitation support to other external platforms. X Financial was established in 2014 and maintains its corporate headquarters in Shenzhen, China.

Stock Peers

-2.13-0.38%

Mastercard Incorporated$565.37 V

-0.18-0.05%

Visa Inc.$367.21 AGM-PC

72.64271+26.31%

Federal Agricultural Mortgage Corporation$348.71 AXP

-1.09-0.34%

American Express Company$320.71 AGM

0.15+0.07%

Federal Agricultural Mortgage$224.60 ENVA

-0.97-0.43%

Enova International, Inc.$223.06 COF

-3.75-1.78%

Capital One Financial Corporation$207.11 DFS

-0.43-0.21%

Discover Financial Services$200.05 AGM-A

Federal Agricultural Mortgage Corporation$155.00 NNI

0.38+0.30%

Nelnet, Inc.$125.78

Company Overview

X Financial (NYSE:XYF) closed at $5.18 USD, losing -$0.34 (-6.16%) from the previous close of $5.52. The stock is currently mid-range between its 52-week high and low $3.30 and $15.58. With a market capitalization of about $34.45 million, X Financial is classified as a micro-cap and shows lower-than-market volatility (beta ~0.48). Key stats such as the average daily volume over the past year has been around 60.78 thousand shares, volume is running light vs its 52-week average. Headquartered in Shenzhen, GD, X Financial operates in the Financial Services sector and the Financial - Credit Services industry. Led by CEO Yue Tang, the company employs approximately 643 people and listed since September 19, 2018. Operating in the People's Republic of China, X Financial delivers personal financial solutions, primarily functioning as an online platform that connects individuals seeking funds with potential investors.

Technical Performance

Short-term trend indicators are bullishly aligned (SMA20 -2.46%, SMA50 -11.75%, SMA200 -58.68%). The stock’s 14-day RSI is 38.94 (weak momentum), while the ATR of 0.26 points to higher daily volatility. The stock remains hovering near 52-week lows, trading -75.34% below its high and over 5.02% above its low. Average 10-day trading volume of 95.79 thousand shares is significantly above the 3-month average of 61.11 thousand, indicating heightened recent market interest.

Valuation Metrics

X Financial trades at a P/E ratio of 0.41, slightly below the S&P 500 average, with a price-to-sales ratio of 0.04 and a price-to-book ratio of 0.03 suggesting the stock is closer to book value. The P/FCF stands at 0.16, also below market averages.

Dividend & Fair Value

X Financial last paid a dividend of 0.56 per share, Dividend and splits history remains an important factor for investors monitoring long-term returns. A discounted cash flow model estimates fair value at around $12.69. This means the shares are trading below this model’s fair value.

Earnings & Analyst Outlook

X Financial generated EPS of $5.63 over the past year. Five-year average earnings growth is 15.35%. X Financial earnings surprise history is a mixed track record. The quarter that ended August 24, 2026, missed forecasts by 121.54%. The prior quarter beat by 3.31%. Over the last six quarters, Apple has recorded several small beats. These include -255.56% in June 29, 2020.

Shareholding & Insider Activity

X Financial has 24.62 million shares outstanding. The public float is 100.90 million shares, elevated short interest at 1.91% of float. This equals 284.69 thousand shares. The short ratio is 0.58 days. Institutional investors hold 4.84% of the float. Insiders own 16.66%. Over the past six months, insider transactions show net selling. They sold 90.00 thousand shares across 1 transactions.

Financial & Profitability Overview

Over the trailing twelve months, X Financial generated $4.81B in revenue, or $99.33 per share. Gross margin was 35.64%, operating margin 31.25%, and net profit margin 24.65%. Returns are exceptional, with ROA at 13.43% and ROE at 24.97%.
On valuation metrics, X Financial trades at a P/E of 0.41, P/S of 0.04 and P/B of 0.03. The current ratio is 10.65 and quick ratio is 10.65. Operationally, the company’s inventory turnover is 0.00 and cash conversion cycle is 90.32 days. Debt-to-equity is 0.05, supported by a cash flow-to-debt ratio of 3.70.

Quarterly Financial Highlights

For the quarter ended Dec 31, 2023, X Financial posted revenue of $4.81B, down slightly from $1.54B in the prior quarter. Gross profit was $1.72B (margin 35.64%). Operating income was $1.50B (margin 31.2%). Net income was$1.19B (EPS $24.48).
The company ended the quarter with $2.37B in cash and short-term investments, a total debt of $81.51M, and net debt of - $2.29B. Total assets were $8.84B, with equity of $4.75B. Financials further reflected stability, with operating cash flow of $322.70M, free cash flow of $316.65M, and capital expenditures of - $6.06M.

Price Forecast & Outlook

Our AI price prediction model suggests that X Financial stock has strong potential for upside but may face short-term weakness followed by gains in the medium and long term. 2-Week Outlook: Projected increase of 5.6%, with price expected at $5.47 by September 24, 2026, within a range of $5.36 to $5.60 3-Month Outlook: Projected fall of -30.5%, reaching $3.60 by December 08, 2026, with a range of $3.23 to $3.90. 1-Year Outlook: Projected gain of 45.95%, with price at $7.56 by September 10, 2027, within a range of $0.00 to $8.46.

Key Takeaways

X Financial (NYSE:XYF) shares are flat 7.14% year-to-date currently trading near 52-week highs band. Short-term momentum has been negative over the last quarter, despite recent volatility. Valuation shows X Financial trading at a premium to the broader market with a P/E of 0.41. Our AI forecast model points to short-term strength (5.6% over two weeks), a medium-term fall (-30.5% over three months), and a longer-term gain (45.95% over one year), with expected trading ranges indicating moderate volatility.

Frequently Asked Questions

What is the current X Financial (XYF) stock price?

X Financial (NYSE: XYF) stock price is $5.18 in the last trading session. During the trading session, XYF stock reached the peak price of $5.40 while $5.15 was the lowest point it dropped to. The percentage change in XYF stock occurred in the recent session was -6.16% while the dollar amount for the price change in XYF stock was - $0.34.

XYF's industry and sector of operation?

The NYSE listed XYF is part of Financial - Credit Services industry that operates in the broader Financial Services sector. X Financial designs, manufactures, and markets smartphones, personal computers, tablets, wearables, and accessories worldwide.

Who are the executives of XYF?

Ms. Jennifer Zhang
Investor Relations
Mr. Yue Tang
Founder, Chief Executive Officer & Chairman
Mr. Fuya Zheng
Chief Financial Officer
Mr. Ding Gao
Co-Founder & Chief Technology Officer
Mr. Kan Li
Pres, Chief Risk Officer & Director

How XYF did perform over past 52-week?

XYF's closing price is 56.97% higher than its 52-week low of $3.30 where as its distance from 52-week high of $15.58 is -66.75%.

How many employees does XYF have?

Number of XYF employees currently stands at 643.

Link for XYF official website?

Official Website of XYF is: https://www.xiaoyinggroup.com

How do I contact XYF?

XYF could be contacted at phone 867 558 6282977 and can also be accessed through its website. XYF operates from Aerospace Science and Technology Plaza, Shenzhen, GD 518067, China.

How many shares of XYF are traded daily?

XYF stock volume for the day was 37.75K shares. The average number of XYF shares traded daily for last 3 months was 60.78K.

What is the market cap of XYF currently?

The market value of XYF currently stands at $34.45M with its latest stock price at $5.18 and 6.65M of its shares outstanding.

Stocks Telegraph provides information and tools designed to assist investors and Wall Street players. A major goal is to offer financiers comprehensive information that will help them gain insight into investing.

Stocks Telegraph does not provide any advice or recommendations for buying or selling stocks, securities, or other financial products. Information contained on this website is for informational purposes only and should not be construed as professional financial, investment or other advice. Stocks Telegraph is not liable for any loss or damage that may occur as a result of reliance on this data.

Employees	643
Beta	0.46
Sales or Revenue	$4.81B
5Y Sales Change%	0.353%
Fiscal Year Ends	December
Sector	Financial Services
Industry	Financial - Credit Services

XYF Company Profile and Key Details

X Financial

Price Chart

Stock Price Today

Stock Snapshot

Relevant Articles

SEC Fillings

Current Report (8-k)

Annual Report (10-k)

Stock Price History Chart

Contact Details

About Company

Company Information

Stock Peers

Company Overview

Technical Performance

Valuation Metrics

Dividend & Fair Value

Earnings & Analyst Outlook

Shareholding & Insider Activity

Financial & Profitability Overview

Quarterly Financial Highlights

Price Forecast & Outlook

Key Takeaways

Frequently Asked Questions

Financial & Profitability Overview

Quarterly Financial Highlights

Earnings & Analyst Outlook

Shareholding & Insider Activity

Technical Performance

Dividend & Fair Value

Company Overview

Valuation Metrics

Price Forecast & Outlook

Key Takeaways