Symbols / XYF
XYF Chart
About
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.
Fundamentals
Scroll to Statements| Sector | Financial Services | Industry | Credit Services | Market Cap | 208.91M |
| Enterprise Value | 933.13M | Income | 1.79B | Sales | 7.88B |
| Book/sh | 28.83 | Cash/sh | 3.73 | Dividend Yield | 10.37% |
| Payout | 9.27% | Employees | 563 | IPO | — |
| P/E | 0.86 | Forward P/E | 13.81 | PEG | — |
| P/S | 0.03 | P/B | 0.18 | P/C | — |
| EV/EBITDA | 0.17 | EV/Sales | 0.12 | Quick Ratio | 1.44 |
| Current Ratio | 4.51 | Debt/Eq | 7.62 | LT Debt/Eq | — |
| EPS (ttm) | 5.91 | EPS next Y | 0.37 | EPS Growth | 30.20% |
| Revenue Growth | 23.90% | Earnings | 2026-03-19 | ROA | 25.35% |
| ROE | 24.19% | ROIC | — | Gross Margin | 71.75% |
| Oper. Margin | 62.30% | Profit Margin | 22.75% | Shs Outstand | 22.80M |
| Shs Float | 101.59M | Short Float | 0.89% | Short Ratio | 0.49 |
| Short Interest | — | 52W High | 20.36 | 52W Low | 4.83 |
| Beta | 0.37 | Avg Volume | 218.70K | Volume | 171.59K |
| Target Price | — | Recom | None | Prev Close | $4.80 |
| Price | $5.11 | Change | 6.46% |
Valuation Models
Price estimates from analyst targets and simple models.
1. Analyst consensus
—
Mean price target
2. Current target
$5.11
Latest analyst target
3. DCF / Fair value
$88.65
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$5.11
Low
—
High
—
Mean
—
News
RSS: Latest XYF news- X Financial: The Most Likely Path Forward Is Still Pointing Higher (NYSE:XYF) - Seeking Alpha Mon, 20 Oct 2025 07
- There's No Escaping X Financial's (NYSE:XYF) Muted Revenues - simplywall.st hu, 20 Nov 2025 08
- X Financial-ADR (NYSE:XYF) Passes Key Peter Lynch Investment Filters - ChartMill Mon, 23 Feb 2026 13
- Why X Financial (XYF) Is Surging in 2025 - Yahoo Finance Fri, 02 May 2025 07
- X Financial Sponsored ADR (NYSE:XYF) Short Interest Up 20.3% in January - MarketBeat ue, 03 Feb 2026 08
- How X Financial American Depositary Shares Each Representing Six Class A (XYF) Affects Rotational Strategy Timing - Stock Traders Daily Sun, 08 Feb 2026 08
- Earnings call transcript: X Financial’s Q3 2025 sees revenue rise, stock dips - Investing.com Fri, 21 Nov 2025 08
- With a 54% stake, X Financial (NYSE:XYF) insiders have a lot riding on the company - Yahoo Finance Mon, 01 Sep 2025 07
- X Financial-ADR (NYSE:XYF) Emerges as a Peter Lynch-Style GARP Candidate - ChartMill Sat, 31 Jan 2026 12
- Here's Why We Think X Financial (NYSE:XYF) Is Well Worth Watching - simplywall.st Sat, 27 Sep 2025 07
- X Financial: A Tech-Finance Gem In A Rough Geopolitical Climate - Seeking Alpha Sat, 18 Oct 2025 07
- (XYF) and the Role of Price-Sensitive Allocations - Stock Traders Daily Wed, 28 Jan 2026 09
- Earnings call transcript: X Financial Q2 2025 highlights growth and AI focus - Investing.com ue, 19 Aug 2025 07
- X Financial ADR (NYSE:XYF) Emerges as a Peter Lynch-Style GARP Opportunity - ChartMill Sat, 10 Jan 2026 08
- After the recent decline, X Financial (NYSE:XYF) CEO Yue Tang's holdings have lost 10% of their value - simplywall.st Sat, 27 Dec 2025 08
Insider Transactions
No recent insider transactions.
Financials
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| TaxEffectOfUnusualItems | 0.00 | 0.00 | 0.00 | 0.00 |
| TaxRateForCalcs | 0.21 | 0.18 | 0.32 | 0.31 |
| NetIncomeFromContinuingOperationNetMinorityInterest | 1.54B | 1.19B | 812.00M | 825.41M |
| ReconciledDepreciation | 7.20M | 5.26M | 6.65M | 8.14M |
| NetInterestIncome | -211.03M | -253.97M | 136.92M | 691.61M |
| InterestExpense | 1.58B | 1.37B | 833.11M | |
| InterestIncome | 1.37B | 1.12B | 970.03M | 691.61M |
| NormalizedIncome | 1.54B | 1.19B | 812.00M | 825.41M |
| NetIncomeFromContinuingAndDiscontinuedOperation | 1.54B | 1.19B | 812.00M | 825.41M |
| DilutedAverageShares | 48.89M | 48.47M | 53.73M | 56.15M |
| BasicAverageShares | 48.14M | 48.02M | 52.74M | 54.87M |
| DilutedEPS | 31.50 | 24.48 | 15.12 | 14.70 |
| BasicEPS | 31.98 | 24.72 | 15.42 | 15.06 |
| DilutedNIAvailtoComStockholders | 1.54B | 1.19B | 812.00M | 825.41M |
| NetIncomeCommonStockholders | 1.54B | 1.19B | 812.00M | 825.41M |
| NetIncome | 1.54B | 1.19B | 812.00M | 825.41M |
| MinorityInterests | 0.00 | 0.00 | 0.00 | 478.00 |
| NetIncomeIncludingNoncontrollingInterests | 1.54B | 1.19B | 812.00M | 825.41M |
| NetIncomeContinuousOperations | 1.54B | 1.19B | 812.00M | 825.41M |
| EarningsFromEquityInterestNetOfTax | 51.28M | -20.65M | -11.83M | 3.34M |
| TaxProvision | 405.70M | 261.13M | 396.07M | 368.74M |
| PretaxIncome | 1.89B | 1.47B | 1.22B | 1.19B |
| OtherNonOperatingIncomeExpenses | 13.52M | 24.35M | 40.72M | 32.51M |
| GainOnSaleOfSecurity | 18.02M | 30.85M | 113.85M | -176.38M |
| SellingGeneralAndAdministration | 175.93M | 153.94M | 143.23M | 208.69M |
| SellingAndMarketingExpense | 12.54M | 15.45M | 20.83M | |
| GeneralAndAdministrativeExpense | 175.93M | 153.94M | 143.23M | 187.86M |
| OtherGandA | 175.93M | 153.94M | 143.23M | 187.86M |
| TotalRevenue | 2.56B | 1.91B | 1.49B | 1.51B |
| OperatingRevenue | 2.56B | 1.91B | 1.49B | 1.51B |
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | |
|---|---|---|---|---|
| TreasurySharesNumber | 78.44M | 35.56M | 41.20M | |
| OrdinarySharesNumber | 250.68M | 293.55M | 287.92M | 329.12M |
| ShareIssued | 329.12M | 329.12M | 329.12M | 329.12M |
| TotalDebt | 341.23M | 577.85M | 81.51M | 178.83M |
| TangibleBookValue | 6.92B | 5.81B | 4.72B | 3.84B |
| InvestedCapital | 7.28B | 6.41B | 4.82B | 4.14B |
| NetTangibleAssets | 6.92B | 5.81B | 4.72B | 3.84B |
| CapitalLeaseObligations | 12.73M | 12.85M | 11.30M | 12.33M |
| CommonStockEquity | 6.95B | 5.85B | 4.75B | 3.98B |
| TotalEquityGrossMinorityInterest | 6.95B | 5.85B | 4.75B | 3.98B |
| MinorityInterest | 0.00 | 0.00 | 0.00 | |
| StockholdersEquity | 6.95B | 5.85B | 4.75B | 3.98B |
| GainsLossesNotAffectingRetainedEarnings | 81.05M | 69.48M | 63.60M | 6.31M |
| OtherEquityAdjustments | 81.05M | 69.48M | 63.60M | 6.31M |
| TreasuryStock | 509.64M | 111.52M | 124.60M | 0.00 |
| RetainedEarnings | 4.17B | 2.69B | 1.62B | 810.86M |
| AdditionalPaidInCapital | 3.21B | 3.20B | 3.19B | 3.16B |
| CapitalStock | 206.79K | 206.79K | 206.79K | 206.79K |
| CommonStock | 206.79K | 206.79K | 206.79K | 206.79K |
| TotalLiabilitiesNetMinorityInterest | 4.87B | 5.80B | 4.08B | 3.37B |
| DerivativeProductLiabilities | 0.00 | 107.89M | 565.95M | |
| NonCurrentDeferredLiabilities | 247.36M | 149.83M | 28.28M | |
| NonCurrentDeferredRevenue | 181.41M | 119.79M | 27.56M | |
| NonCurrentDeferredTaxesLiabilities | 65.96M | 30.04M | 721.68K | |
| LongTermDebtAndCapitalLeaseObligation | 12.73M | 12.85M | 11.30M | 12.33M |
| LongTermCapitalLeaseObligation | 12.73M | 12.85M | 11.30M | 12.33M |
| CurrentDebtAndCapitalLeaseObligation | 328.50M | 565.00M | 70.21M | 166.50M |
| CurrentDebt | 328.50M | 565.00M | 70.21M | 166.50M |
| OtherCurrentBorrowings | 328.50M | 565.00M | 70.21M | 166.50M |
| PayablesAndAccruedExpenses | 3.92B | 4.88B | 3.75B | 2.52B |
| CurrentAccruedExpenses | 144.08M | 134.69M | 82.64M | 73.32M |
| Payables | 3.78B | 4.74B | 3.67B | 2.45B |
| OtherPayable | 2.65B | 3.77B | 2.95B | 2.03B |
| DividendsPayable | 0.00 | 59.23M | 0.00 | |
| TotalTaxPayable | 871.49M | 736.32M | 525.78M | 336.69M |
| IncomeTaxPayable | 871.49M | 736.32M | 525.78M | 336.69M |
| AccountsPayable | 258.01M | 179.83M | 195.09M | 83.08M |
| TotalAssets | 11.82B | 11.65B | 8.84B | 7.34B |
| InvestmentsAndAdvances | 1.01B | 1.10B | 688.61M | 642.88M |
| AvailableForSaleSecurities | 513.48M | 608.20M | 192.62M | 82.84M |
| LongTermEquityInvestment | 498.04M | 493.41M | 495.99M | 560.04M |
| GoodwillAndOtherIntangibleAssets | 36.59M | 36.81M | 36.55M | 136.05M |
| OtherIntangibleAssets | 36.59M | 36.81M | 36.55M | 136.05M |
| NetPPE | 15.83M | 8.64M | 5.86M | 6.19M |
| AccumulatedDepreciation | -45.51M | -42.32M | -44.05M | -39.73M |
| GrossPPE | 61.35M | 50.96M | 49.91M | 45.92M |
| Leases | 27.53M | 24.31M | 23.71M | 22.80M |
| OtherProperties | 816.10K | 816.10K | 816.10K | 816.10K |
| MachineryFurnitureEquipment | 33.00M | 25.84M | 25.39M | 22.30M |
| PrepaidAssets | 10.68M | 8.42M | 22.51M | 20.53M |
| Receivables | 2.05B | 1.68B | 1.20B | 834.24M |
| OtherReceivables | 17.92M | 24.55M | 35.68M | 78.87M |
| AccountsReceivable | 2.03B | 1.66B | 1.16B | 755.37M |
| AllowanceForDoubtfulAccountsReceivable | -24.17M | -9.27M | -21.88M | -25.87M |
| GrossAccountsReceivable | 2.05B | 1.67B | 1.19B | 781.24M |
| OtherShortTermInvestments | 82.84M | |||
| CashAndCashEquivalents | 2.94B | 2.90B | 2.37B | 2.09B |
| CashCashEquivalentsAndFederalFundsSold | 3.62B | 3.65B | 2.78B | 2.49B |
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| FreeCashFlow | 1.51B | 1.38B | 620.73M | 446.55M |
| RepurchaseOfCapitalStock | -182.20M | -24.87M | -146.74M | 0.00 |
| RepaymentOfDebt | -370.00M | -307.71M | -166.50M | -450.55M |
| IssuanceOfDebt | 133.50M | 802.50M | 70.21M | 266.50M |
| CapitalExpenditure | -14.22M | -8.47M | -6.06M | -2.62M |
| InterestPaidSupplementalData | 24.16M | 23.25M | 1.99M | 6.72M |
| IncomeTaxPaidSupplementalData | 289.08M | 102.28M | 37.37M | 30.96M |
| EndCashPosition | 1.66B | 1.94B | 1.01B | 992.04M |
| BeginningCashPosition | 1.94B | 1.01B | 992.04M | 1.60B |
| EffectOfExchangeRateChanges | 6.89M | 2.29M | 29.26M | -9.37M |
| ChangesInCash | -289.76M | 935.26M | -14.33M | -597.11M |
| FinancingCashFlow | -1.94B | 1.23B | 576.35M | 1.30B |
| CashFlowFromContinuingFinancingActivities | -1.94B | 1.23B | 576.35M | 1.30B |
| NetOtherFinancingCharges | -1.40B | 814.84M | 819.11M | 1.48B |
| ProceedsFromStockOptionExercised | 122.51K | 1.10M | 277.34K | 2.96M |
| CashDividendsPaid | -116.64M | -58.40M | 0.00 | 0.00 |
| NetCommonStockIssuance | -182.20M | -24.87M | -146.74M | 0.00 |
| CommonStockPayments | -182.20M | -24.87M | -146.74M | 0.00 |
| NetIssuancePaymentsOfDebt | -236.50M | 494.79M | -96.29M | -184.04M |
| NetShortTermDebtIssuance | -236.50M | 494.79M | -96.29M | -184.04M |
| ShortTermDebtPayments | -370.00M | -307.71M | -166.50M | -450.55M |
| ShortTermDebtIssuance | 133.50M | 802.50M | 70.21M | 266.50M |
| InvestingCashFlow | 122.03M | -1.68B | -1.22B | -2.35B |
| CashFlowFromContinuingInvestingActivities | 122.03M | -1.68B | -1.22B | -2.35B |
| NetInvestmentPurchaseAndSale | 242.45M | -424.15M | -83.69M | -351.84M |
| SaleOfInvestment | 391.08M | 0.00 | 6.85M | 76.00M |
| PurchaseOfInvestment | -148.63M | -424.15M | -90.54M | -427.84M |
| NetIntangiblesPurchaseAndSale | 0.00 | 0.00 | 100.00M | 160.00M |
| SaleOfIntangibles | 0.00 | 0.00 | 100.00M | 160.00M |
| PurchaseOfIntangibles | 0.00 | |||
| NetPPEPurchaseAndSale | -14.12M | -8.45M | -6.05M | -2.38M |
| SaleOfPPE | 107.95K | 18.05K | 5.44K | 236.78K |
| PurchaseOfPPE | -14.22M | -8.47M | -6.06M | -2.62M |
| OperatingCashFlow | 1.52B | 1.39B | 626.78M | 449.17M |
| CashFlowFromContinuingOperatingActivities | 1.52B | 1.39B | 626.78M | 449.17M |
| DividendReceivedCFO | 7.50M | 19.91M | 0.00 | |
| ChangeInWorkingCapital | -428.44M | -125.13M | -544.47M | -1.12B |
| ChangeInOtherWorkingCapital | -266.73M | -14.41M | -496.46M | -33.37M |
| ChangeInOtherCurrentLiabilities | -116.00M | -5.61M | 14.00M | -9.79M |
| ChangeInOtherCurrentAssets | -1.08M | -121.12K | 1.56M | 162.65K |
| ChangeInPayablesAndAccruedExpense | 256.93M | 326.07M | 273.28M | 163.83M |
| ChangeInAccruedExpense | 122.89M | 115.52M | 84.19M | -23.87M |
| ChangeInPayable | 134.04M | 210.54M | 189.09M | 187.70M |
| ChangeInTaxPayable | 134.04M | 210.54M | 189.09M | 187.70M |
| ChangeInIncomeTaxPayable | 134.04M | 210.54M | 189.09M | 187.70M |
| ChangeInPrepaidAssets | 14.32M | 7.92M | 121.76M | 21.23M |
| ChangeInReceivables | -405.69M | -509.91M | -436.27M | -411.42M |
| ChangesInAccountReceivables | -405.69M | -509.91M | -436.27M | -411.42M |
| OtherNonCashItems | -89.83M | 651.23K | 6.83M | 7.15M |
| StockBasedCompensation | 40.18M | 42.60M | 53.54M | 88.43M |
| DeferredTax | -27.25M | -17.57M | 202.31M | 333.42M |
| DeferredIncomeTax | -27.25M | -17.57M | 202.31M | 333.42M |
| DepreciationAmortizationDepletion | 7.20M | 5.26M | 6.65M | 8.14M |
| DepreciationAndAmortization | 7.20M | 5.26M | 6.65M | 8.14M |
| AmortizationCashFlow | 2.33M | 2.23M | 2.25M | 1.92M |
| AmortizationOfIntangibles | 2.33M | 2.23M | 2.25M | 1.92M |
| Depreciation | 4.87M | 3.03M | 4.39M | 6.22M |
| OperatingGainsLosses | -28.39M | -29.38M | -77.00M | 166.82M |
| EarningsLossesFromEquityInvestments | -10.16M | 1.93M | 42.25M | -3.34M |
| GainLossOnInvestmentSecurities | -17.13M | -6.50M | 9.53M | 0.00 |
| GainLossOnSaleOfPPE | -56.29K | 148.20K | -2.68K | -180.54K |
| NetIncomeFromContinuingOperations | 1.54B | 1.19B | 812.00M | 825.41M |
SEC Filings
No SEC filings found for this symbol (may be non-US or ticker not in SEC index).
Public Trades for XYF
| Date | User | Asset | Broker | Type | Position Size | Entry Price | Patterns |
|---|