XYF

X Financial ADR

Oct 13 • 04:00PM ET

13.44

+0.31 2.36 %

Financial • Credit Services • China • NYSE

Peers: FINV QFIN LX QD YRD JFIN TIGR SOS NVFY LXEH

Index	-	P/E	2.54	EPS (ttm)	5.30	Insider Own	-	Shs Outstand	25.51M	Perf Week	-7.37%
Market Cap	342.85M	Forward P/E	-	EPS next Y	-	Insider Trans	-	Shs Float	-	Perf Month	-5.02%
Enterprise Value	-170.90M	PEG	-	EPS next Q	-	Inst Own	15.90%	Short Float	-	Perf Quarter	-27.63%
Income	242.03M	P/S	0.33	EPS this Y	-	Inst Trans	21.33%	Short Ratio	0.88	Perf Half Y	24.79%
Sales	1.04B	P/B	0.52	EPS next Y	-	ROA	13.60%	Short Interest	0.33M	Perf YTD	61.34%
Book/sh	25.79	P/C	0.60	EPS next 5Y	-	ROE	24.28%	52W High	20.35 -33.97%	Perf Year	85.12%
Cash/sh	22.34	P/FCF	-	EPS past 3/5Y	23.34% 15.35%	ROIC	22.46%	52W Low	6.04 122.52%	Perf 3Y	492.38%
Dividend Est.	-	EV/EBITDA	-	Sales past 3/5Y	13.21% 12.79%	Gross Margin	74.87%	Volatility	4.90% 4.98%	Perf 5Y	779.42%
Dividend TTM	0.53 (3.94%)	EV/Sales	-0.16	EPS Y/Y TTM	46.56%	Oper. Margin	30.43%	ATR (14)	0.74	Perf 10Y	-
Dividend Ex-Date	Sep 26, 2025	Quick Ratio	1.41	Sales Y/Y TTM	45.25%	Profit Margin	23.30%	RSI (14)	42.09	Recom	3.00
Dividend Gr. 3/5Y	- 9.00%	Current Ratio	1.41	EPS Q/Q	44.91%	SMA20	-5.16%	Beta	0.29	Target Price	5.10
Payout	9.23%	Debt/Eq	0.05	Sales Q/Q	65.82%	SMA50	-5.52%	Rel Volume	0.34	Prev Close	13.13
Employees	563	LT Debt/Eq	0.00	Earnings	Aug 19 BMO	SMA200	-0.35%	Avg Volume	372.40K	Price	13.44
IPO	Sep 19, 2018	Option/Short	No / Yes	EPS/Sales Surpr.	- -	Trades		Volume	125,226	Change	2.36%

Date	Action	Analyst	Rating Change	Price Target Change
Oct-15-18	Initiated	Morgan Stanley	Equal-Weight

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%
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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)
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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)
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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%
Apr-28-22 07:47AM	X Financial Files Annual Report on Form 20-F for Fiscal Year 2021 (PR Newswire)
Mar-30-22 05:00PM	X Financial Reports Fourth Quarter and Fiscal Year 2021 Unaudited Financial Results (PR Newswire) -5.96%
Mar-22-22 06:00AM	X Financial to Report Fourth Quarter and Fiscal Year 2021 Financial Results on March 31, 2022 (PR Newswire) +9.23%
Jan-25-22 10:32AM	Here's What X Financial's (NYSE:XYF) Shareholder Ownership Structure Looks Like (Simply Wall St.) +5.30%
Dec-29-21 05:00PM	X Financial Announces Results of 2021 Annual General Meeting of Shareholders (PR Newswire) -7.08%
Nov-22-21 05:00PM	X Financial Reports Third Quarter 2021 Unaudited Financial Results (PR Newswire)
Nov-16-21 05:00PM	X Financial to Hold Annual General Meeting on December 29, 2021 (PR Newswire)
Nov-15-21 05:00AM	X Financial to Report Third Quarter 2021 Financial Results on November 23, 2021 (PR Newswire) -5.03%
Aug-09-21 05:00PM	X Financial Reports Second Quarter 2021 Unaudited Financial Results (PR Newswire) -13.91%
Aug-02-21 07:00AM	X Financial to Report Second Quarter 2021 Financial Results on August 10, 2021 (PR Newswire)
Jul-29-21 08:32AM	Announcing: X Financial (NYSE:XYF) Stock Increased An Energizing 227% In The Last Year (Simply Wall St.)
Jun-25-21 11:51AM	Why Shares of X Financial Are Surging Heading Into the Weekend (Motley Fool) +30.28%
Jun-18-21 01:56PM	Is XYF Stock A Buy Here? (Insider Monkey)
Jun-16-21 08:00AM	Wednesdays Pre-Market: Heres What You Need to Know Before the Market Opens (TipRanks) +16.08%
Jun-15-21 04:50PM	X Financial Reports First Quarter 2021 Unaudited Financial Results (PR Newswire)

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.

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	SEC Form 4
LI KAN	Officer	Sep 05 '25	Proposed Sale	15.73	83,333	1,310,828	Sep 04 08:39 AM
ZHANG LONGGEN	Director	Sep 03 '25	Proposed Sale	16.39	30,000	491,700	Aug 25 11:25 AM
Cheng Shaoyong	Director	Dec 13 '24	Proposed Sale	8.25	10,000	82,500	Dec 12 09:05 PM

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XYF

X Financial ADR

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