XYF

X Financial ADR

4.80

Nov 03 • 10:29 AM ET -0.04 (-0.83%)

Financial Credit Services China Micro NYSE

Peers: FINV LX QFIN YRD JFIN LU HTT SNTG TROO DXF

Index	-
Market Cap	109.54M
Enterprise Value	-250.96M
Income	79.30M
Sales	796.81M
Book/sh	29.24
Cash/sh	18.36
Dividend Est.	-
Dividend TTM	0.56 (11.67%)
Dividend Ex-Date	Sep 10, 2026
Dividend Gr. 3/5Y	- -
Payout	11.11%
Employees	643
IPO	Sep 19, 2018

P/E	2.49
Forward P/E	-
PEG	-
P/S	0.14
P/B	0.16
P/C	0.26
P/FCF	-
EV/EBITDA	-
EV/Sales	-0.31
Quick Ratio	1.22
Current Ratio	1.22
Debt/Eq	0.05
LT Debt/Eq	0.00
Option/Short	No / Yes

EPS (ttm)	1.93
EPS next Y	-
EPS next Q	-
EPS this Y	-
EPS next Y	-
EPS next 5Y	-
EPS past 3/5Y	29.73% -
Sales past 3/5Y	26.17% 27.14%
EPS Y/Y TTM	-63.32%
Sales Y/Y TTM	-23.31%
EPS Q/Q	-89.03%
Sales Q/Q	-53.55%
Earnings	Aug 24 BMO
EPS/Sales Surpr.	- -

Insider Own	-
Insider Trans	-
Inst Own	3.76%
Inst Trans	-24.06%
ROA	4.29%
ROE	7.14%
ROIC	6.94%
Gross Margin	65.25%
Oper. Margin	12.85%
Profit Margin	9.95%
SMA20	-2.89%
SMA50	-6.26%
SMA200	-3.31%
Trades

Shs Outstand	22.82M
Shs Float	-
Short Float	-
Short Ratio	1.21
Short Interest	0.07M
52W High	12.85 -62.65%
52W Low	3.30 45.45%
Volatility	3.40% 3.78%
ATR (14)	0.20
RSI (14)	43.21
Beta	0.39
Rel Volume	1.05
Avg Volume	58.60K
Volume	17,091

Perf Week	-1.64%
Perf Month	-3.03%
Perf Quarter	-5.33%
Perf Half Y	-3.42%
Perf YTD	-14.29%
Perf Year	-61.90%
Perf 3Y	15.66%
Perf 5Y	3.59%
Perf 10Y	-
Recom	3.00
Target Price	5.10
Prev Close	4.84
Price	4.80
Change %	-0.83%

Consensus

Hold

Avg. Price Target

$5.10

Implied Upside

+6.2%

Analysts1incl. previous ratings

Rating Distribution0 Buy · 1 Hold · 0 Sell

Date	Action	Analyst	Rating Change	Price Target Change	Implied Upside
Oct 15, 2018	Initiated	MMorgan Stanley	Equal-Weight

Aug-24-26 07:00PM	X Financial (XYF) (Q2 2026) Earnings Call Highlights: Revenue Declines 56% Amid Strategic ... (GuruFocus.com)
05:50AM	X Financial Reports Second Quarter 2026 Unaudited Financial Results (PR Newswire)
Aug-18-26 06:00AM	X Financial to Report Second Quarter 2026 Financial Results on August 24, 2026 (PR Newswire)
Jun-17-26 05:50AM	X Financial Announces Leadership Change (PR Newswire) -5.05%
May-28-26 07:02PM	X Financial (XYF) Q1 2026 Earnings Call Highlights: Navigating Challenges with Improved Margins ... (GuruFocus.com)
04:50PM	Loading…
May-27-26 04:50PM	X Financial Reports First Quarter 2026 Unaudited Financial Results (PR Newswire) +10.18%
May-21-26 06:00AM	X Financial to Report First Quarter 2026 Financial Results on May 28, 2026 (PR Newswire) +5.47%
Apr-30-26 06:50AM	X Financial Files Annual Report on Form 20-F for Fiscal Year 2025 (PR Newswire)
Mar-26-26 03:02PM	X Financial (XYF) Q4 2025 Earnings Call Highlights: Navigating Challenges with Strategic Adjustments (GuruFocus.com) -26.19%
Mar-25-26 04:50PM	X Financial Reports Fourth Quarter and Fiscal Year 2025 Unaudited Financial Results (PR Newswire)
Mar-19-26 06:00AM	X Financial to Report Fourth Quarter and Fiscal Year 2025 Financial Results on March 26, 2026 (PR Newswire) -8.09%
Nov-24-25 12:00PM	X Financial (XYF) Q3 2025 Earnings Call Highlights: Navigating Growth Amidst Regulatory Challenges (GuruFocus.com)
Nov-20-25 04:50PM	X Financial (NYSE: XYF) Reports Q3 2025 Results: Revenue +23.9% YoY, Sequential Decline Amid Rising Credit Costs and Moderating Borrower Activity (PR Newswire) -6.18% -15.70%
Nov-18-25 05:50AM	X Financial to Hold Annual General Meeting on December 18, 2025 (PR Newswire)
Nov-11-25 06:00AM	X Financial to Report Third Quarter 2025 Financial Results on November 21, 2025 (PR Newswire)
12:22PM	Loading…
Sep-30-25 12:22PM	Circle Internet Group Stock Sees RS Rating Jump To 83 (Investor's Business Daily)
Sep-15-25 02:10PM	Bitdeer Technologies Group Stock Earns 91 RS Rating (Investor's Business Daily)
Sep-10-25 01:54PM	Bitdeer Technology Stock Earns 84 RS Rating (Investor's Business Daily)
03:00AM	Galaxy Digital Stock Sees RS Rating Jump To 83 (Investor's Business Daily)
Aug-21-25 11:00AM	X Financial (XYF) Q2 2025 Earnings Call Highlights: Robust Growth Amid Regulatory Challenges (GuruFocus.com) +15.73%
Aug-18-25 04:50PM	X Financial (NYSE: XYF) Reports Q2 2025 Results: Revenue +66%, Record Loan Originations, Improved Asset Quality (PR Newswire)
Aug-08-25 06:00AM	X Financial to Report Second Quarter 2025 Financial Results on August 19, 2025 (PR Newswire)
Jul-17-25 01:41PM	MARA Holdings Stock Earns RS Rating Jump To 82 (Investor's Business Daily)
Jul-03-25 02:54PM	Ally Financial Stock Gets Relative Strength Rating Lift (Investor's Business Daily)
Jun-09-25 04:33PM	Coinbase Global Stock Earns RS Rating Upgrade (Investor's Business Daily) -5.46%
May-21-25 03:02AM	X Financial (XYF) Q1 2025 Earnings Call Highlights: Robust Loan Growth and Strategic Share Buybacks (GuruFocus.com) +9.85%
May-20-25 09:24PM	Q1 2025 X Financial Earnings Call (Thomson Reuters StreetEvents) +5.60%
May-19-25 04:50PM	X Financial Reports First Quarter 2025 Unaudited Financial Results (PR Newswire)
May-15-25 06:00AM	X Financial to Report First Quarter 2025 Financial Results on May 20, 2025 (PR Newswire)
May-02-25 01:11PM	Why X Financial (XYF) Is Surging in 2025 (Insider Monkey)
07:27AM	Loading…
Apr-25-25 07:27AM	X Financial Files Annual Report on Form 20-F for Fiscal Year 2024 (PR Newswire)
Mar-21-25 03:01AM	X Financial (XYF) Q4 2024 Earnings Call Highlights: Record Growth in Loan Volumes and Net Income (GuruFocus.com) +7.85%
Mar-20-25 09:13PM	Q4 2024 X Financial Earnings Call (Thomson Reuters StreetEvents)
03:52PM	X Financial (XYF) Q4 2024 Earnings Call Transcript (SeekingAlpha)
Mar-19-25 04:50PM	X Financial Reports Fourth Quarter and Fiscal Year 2024 Unaudited Financial Results (PR Newswire)
Mar-18-25 06:00AM	X Financial to Report Fourth Quarter and Fiscal Year 2024 Financial Results on March 20, 2025 (PR Newswire)
Dec-20-24 06:32AM	X Financial Announces $48.7 Million Share Repurchase (TipRanks)
Dec-19-24 05:50AM	X Financial Announces US$48.7 Million Share Repurchase from Major Shareholder (PR Newswire) +6.10%
Nov-28-24 02:00AM	X Financial (XYF) Q3 2024 Earnings Call Highlights: Strong Revenue Growth and Record Net Income ... (GuruFocus.com)
01:24AM	Q3 2024 X Financial Earnings Call (Thomson Reuters StreetEvents)
Nov-26-24 04:50PM	X Financial Reports Third Quarter 2024 Unaudited Financial Results (PR Newswire) +6.92%
Nov-22-24 06:50AM	X Financial to Hold Annual General Meeting on December 20, 2024 (PR Newswire)
Nov-19-24 08:27AM	X Financial to Report Third Quarter 2024 Financial Results on November 27, 2024 (PR Newswire)
Aug-22-24 09:58PM	Q2 2024 X Financial Earnings Call (Thomson Reuters StreetEvents) +8.54%
Aug-21-24 08:52PM	XYF Stock Earnings: X Financial Reported Results for Q2 2024 (InvestorPlace)
04:50PM	X Financial Reports Second Quarter 2024 Unaudited Financial Results (PR Newswire)
Aug-13-24 06:00AM	X Financial to Report Second Quarter 2024 Financial Results on August 22, 2024 (PR Newswire)
Jul-15-24 07:00AM	X Financial Announces Results of Tender Offer (PR Newswire)
Jun-05-24 09:13AM	X Financial Commences a Tender Offer to Repurchase approximately $9.04 Million of its ADSs (PR Newswire)
Jun-02-24 08:02AM	X Financial (NYSE:XYF) Q1 2024 Earnings Call Transcript (Insider Monkey)
May-30-24 09:52PM	XYF Stock Earnings: X Financial Reported Results for Q1 2024 (InvestorPlace) +6.14%
04:50PM	X Financial Reports First Quarter 2024 Unaudited Financial Results (PR Newswire)
May-24-24 09:23PM	X Financial Reschedules the Release of First Quarter 2024 Financial Results to May 31, 2024 (PR Newswire)
May-23-24 06:00AM	X Financial to Report First Quarter 2024 Financial Results on May 29, 2024 (PR Newswire)
Apr-29-24 07:04PM	X Financial Files Annual Report on Form 20-F for Fiscal Year 2023 (PR Newswire)
Mar-28-24 09:39AM	X Financial (NYSE:XYF) Q4 2023 Earnings Call Transcript (Insider Monkey) +8.73%
02:42AM	Q4 2023 X Financial Earnings Call (Thomson Reuters StreetEvents)
Mar-26-24 09:53PM	XYF Stock Earnings: X Financial Reported Results for Q4 2023 (InvestorPlace) -22.99%
04:50PM	X Financial Reports Fourth Quarter and Fiscal Year 2023 Unaudited Financial Results (PR Newswire)
Mar-21-24 06:00AM	X Financial to Report Fourth Quarter and Fiscal Year 2023 Financial Results on March 27, 2024 (PR Newswire)
Dec-22-23 07:00AM	7 Micro-Cap Stocks for Risk-Tolerant Investors to Buy in 2024 (InvestorPlace)
Nov-23-23 01:44PM	Q3 2023 X Financial Earnings Call (Thomson Reuters StreetEvents)
08:51AM	X Financial (NYSE:XYF) Q3 2023 Earnings Call Transcript (Insider Monkey)
Nov-22-23 04:50PM	X Financial Reports Third Quarter 2023 Unaudited Financial Results (PR Newswire)
Nov-17-23 06:00AM	X Financial to Hold Annual General Meeting on December 22, 2023 (PR Newswire)
05:00AM	X Financial to Report Third Quarter 2023 Financial Results on November 22, 2023 (PR Newswire)
Oct-14-23 01:44PM	11 Cheap Chinese Penny Stocks to Buy According to Hedge Funds (Insider Monkey)
Aug-30-23 09:19AM	X Financial (NYSE:XYF) Q2 2023 Earnings Call Transcript (Insider Monkey)
Aug-29-23 08:43PM	Q2 2023 X Financial Earnings Call (Thomson Reuters StreetEvents)
Aug-28-23 04:50PM	X Financial Reports Second Quarter 2023 Unaudited Financial Results (PR Newswire) +8.11%
Aug-23-23 06:00AM	X Financial to Report Second Quarter 2023 Financial Results on August 29, 2023 (PR Newswire)
Jul-30-23 02:17PM	7 Millionaire-Maker Penny Stocks to Buy Before the Window Closes (InvestorPlace)
Jul-28-23 06:03AM	Why Investors Shouldn't Be Surprised By X Financial's (NYSE:XYF) Low P/S (Simply Wall St.)
Jul-07-23 10:58AM	With EPS Growth And More, X Financial (NYSE:XYF) Makes An Interesting Case (Simply Wall St.)
Jun-10-23 08:32AM	Owning 53% in X Financial (NYSE:XYF) means that insiders are heavily invested in the company's future (Simply Wall St.)
May-26-23 11:19AM	X Financial (NYSE:XYF) Q1 2023 Earnings Call Transcript (Insider Monkey) -7.30%
May-25-23 09:39PM	Q1 2023 X Financial Earnings Call (Thomson Reuters StreetEvents) +14.84%
May-24-23 04:50PM	X Financial Reports First Quarter 2023 Unaudited Financial Results (PR Newswire) -5.78%
May-18-23 06:00AM	X Financial to Report First Quarter 2023 Financial Results on May 25, 2023 (PR Newswire)
May-14-23 08:02AM	Those who invested in X Financial (NYSE:XYF) three years ago are up 48% (Simply Wall St.)
Apr-27-23 06:18PM	X Financial Files Annual Report on Form 20-F for Fiscal Year 2022 (PR Newswire) +10.13%
Apr-05-23 07:44PM	X Financial (NYSE:XYF) Q4 2022 Earnings Call Transcript (Insider Monkey)
Apr-02-23 08:03AM	X Financial Full Year 2022 Earnings: EPS: CN¥15.40 (vs CN¥15.04 in FY 2021) (Simply Wall St.)
Mar-30-23 04:50PM	X Financial Reports Fourth Quarter and Fiscal Year 2022 Unaudited Financial Results (PR Newswire) +11.99%
Mar-29-23 04:10PM	X Financial to Report Fourth Quarter and Fiscal Year 2022 Financial Results on March 31, 2023 (PR Newswire) +6.18%
Dec-26-22 08:46PM	X Financial (NYSE:XYF) Q3 2022 Earnings Call Transcript (Insider Monkey)
Dec-11-22 08:10AM	With 54% ownership, X Financial (NYSE:XYF) insiders have a lot riding on the company's future (Simply Wall St.)
Nov-16-22 04:50PM	X Financial Reports Third Quarter 2022 Unaudited Financial Results (PR Newswire) +12.27%
Nov-14-22 05:00PM	X Financial to Hold Annual General Meeting on December 9, 2022 (PR Newswire)
Nov-10-22 05:00AM	X Financial to Report Third Quarter 2022 Financial Results on November 17, 2022 (PR Newswire)
Sep-30-22 06:00AM	X Financial Upsizes Share Repurchase Program to US$20 Million (PR Newswire) -5.51%
Aug-08-22 05:00PM	X Financial Reports Second Quarter 2022 Unaudited Financial Results (PR Newswire) -8.78%
Jul-27-22 08:21AM	X Financial to Report Second Quarter 2022 Financial Results on August 9, 2022 (PR Newswire)
Jul-25-22 09:03AM	10 Chinese Real Estate Stocks to Watch as Analysts Predict More Defaults and Crisis (Insider Monkey)
Jul-04-22 07:03AM	Could The X Financial (NYSE:XYF) Ownership Structure Tell Us Something Useful? (Simply Wall St.)
May-23-22 05:00PM	X Financial Reports First Quarter 2022 Unaudited Financial Results (PR Newswire) +7.60%
May-17-22 07:18AM	X Financial to Report First Quarter 2022 Financial Results on May 24, 2022 (PR Newswire) +11.16%
May-16-22 09:18AM	7 Penny Stocks to Buy Now (InvestorPlace)
May-07-22 08:29AM	X Financial (NYSE:XYF) sheds CN¥22m, company earnings and investor returns have been trending downwards for past three years (Simply Wall St.)
May-06-22 06:00AM	X Financial Provides Update on its Status under the Holding Foreign Companies Accountable Act (PR Newswire) -13.61%

Show Previous News

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Wan Zheng	Director	Jun 15 '26	Proposed Sale	5.05	30,000	151,500		Jun 12 03:50 PM
Cheng Shaoyong	Director	Dec 01 '25	Proposed Sale	11.83	10,000	118,300		Nov 14 09:03 AM

X Financial operates as an online personal finance company that develops and provides a technology platform for personal finance services. It is committed to connecting borrowers on its platform with its institutional funding partners. The company was founded by Yue Tang and Baoguo Zhu on January 5, 2015 and is headquartered in Shenzhen, China.

FounderMr. Yue Tang

PresidentMr. Kan Li

Co-FounderMr. Ding Gao

Chief Financial OfficerMr. Fuya Zheng

Investor RelationsMs. Jennifer Zhang

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XYF

X Financial ADR

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