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X Financial (XYF)

NYSE: XYF · Real-Time Price · USD

5.33

+0.03 (0.57%)

At close: Aug 18, 2026, 3:59 PM

0.57% (1D)

Bid	n/a
Market Cap	205.29M
Revenue (ttm)	6.88B
Net Income (ttm)	1.04B
Beta	0.46
EPS (ttm)	3.8
PE Ratio (ttm)	1.4
Forward PE	14.41
P/B (ttm)	0.18
P/S (ttm)	0.03
Earnings Date	Aug 21, 2026

Ask	n/a
Volume	38,337
Avg. Volume (20D)	74,935
Open	5.22
Previous Close	5.30
Day's Range	5.21 - 5.40
52-Week Range	3.30 - 16.40
Analyst	n/a
Price Target	n/a
Dividends	$0.56 (10.57%)
Ex-Dividend Date	Apr 30, 2026

About XYF

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 e...

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Industry Credit Services

Sector Financial Services

IPO Date Sep 19, 2018

Employees 643

Stock Exchange NYSE

Ticker Symbol XYF

Website https://ir.xiaoyinggroup.com

Full Company Profile

Financial Performance

In 2025, X Financial's revenue was 7.64B, an increase of 30.1% compared to the previous year's 5.87B. Earnings were 1.46B, a decrease of -4.89%.

Financial Statements

Earnings Surprise

X Financial has released their quarterly earnings on Apr 27, 2020:

Revenue of $1.18B misses estimates by $0, with -39.30% YoY decline.

EPS of 0.3 misses estimates by -0.48, with -61.54% YoY decline.

Next Earnings Release

X Financial is scheduled to release its earnings on Aug 21, 2026, after market closes.
Analysts project revenue of ... Upgrade

News

2 months ago · Motley Fool

X Financial (XYF) Q1 2026 Earnings Transcript

Kan Li: Thank you, Victoria, and hello, everyone. In the first quarter of 2026, we continue to operate with a high degree of discipline as the operating environment remained challenging. Carrying fo...

2 months ago · GuruFocus.com

X Financial (XYF) Q1 2026 Earnings Call Highlights: Navigating Challenges with Improved Margins ...

X Financial (XYF) focuses on operational efficiency and risk management amid declining revenues and regulatory uncertainties.

2 months ago · Simply Wall St.

Top Dividend Stocks To Consider In May 2026

Over the last 7 days, the United States market has remained flat, yet it has seen an impressive 27% increase over the past year with earnings projected to grow by 17% per annum in the coming years. In...

3 months ago · Motley Fool

X Financial (XYF) Q4 2025 Earnings Transcript

Kan Li: Thank you, Victoria, and hello, everyone. In the fourth quarter of 2025, we continue to operate with heightened discipline as the external environment became more demanding. During the quart...

4 months ago · GuruFocus.com

X Financial (XYF) Q4 2025 Earnings Call Highlights: Navigating Challenges with Strategic Adjustments

X Financial (XYF) reports a strategic moderation in loan origination and enhanced risk controls amid a challenging regulatory environment.

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