Financial Services
X Financial(XYF)
Live Price
Offline$4.81
+2.34% today
1Y Change
-71.66%
Window
Jun 23, 2025 โ Jun 18, 2026
- Market Cap
- $230.00M
- Revenue Growth
- +26.6%
- EPS Growth
- +9.5%
- Dividend Yield
- 11.0%
Coverage: 249 bars ยท Jun 23, 2025 โ Jun 18, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
X Financial (XYF) is a Financial Services stock with a market cap of $230.00M and listed on NYSE. The stock last traded around $4.81 and down 71.7% across the available one-year price window (Jun 23, 2025 โ Jun 18, 2026). Baseline metrics include revenue growth of +26.6%, EPS growth of +9.5%, a dividend yield of 11.0%. What stands out right now is revenue +26.6%, EPS +9.5%, free cash flow 0.0% with operating margin 24.2% and ROIC 9.1%. The dividend matters to the case here, with a current yield around 11.0%. Valuation is more restrained than many high-expectation growth names at P/E 0.2 and price/sales 0.0. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines XYF price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+26.6% vs +3.4% peer median
Operating Margin
Above sector median
+24.2% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on May 25, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +26.6% and EPS at +9.5%, with operating margin around 24.2%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 11.0%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +2.2% over the next 5 trading days and finished higher after 2 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 May 25, 2026 | โ | +10.2% | +11.1% | โ |
2026 Apr 1, 2026 | โ | +2.4% | +6.3% | +14.6% |
2026 Mar 25, 2026 | -22.8% | -26.2% | -10.8% | +7.1% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
XYF
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
XYF Max Drawdown
-82.99%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for XYF and SPY.
Company Overview
X Financial
New York Stock Exchange
X Financial provides personal finance services in the People's Republic of China. The company offers services as an online marketplace connecting borrowers and investors. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners, as well as Xiaoying revolving loan. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as loans, money market, and insurance products; and loan facilitation services to other platforms. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.
- Leadership
- Yue Tang
- IPO Date
- Sep 19, 2018
- Employees
- 563
- Street Address
- Aerospace Science and Technology Plaza
- Mailing
- Shenzhen, 518067
- Region
- Shenzhen, CN
- Reporting Currency
- USD
- Investor Line
- 86 75 5862 82977
- Last Updated
- May 6, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 0.2
- EV/EBITDA
- โ
- Price/Sales
- 0.0
- Price/Book
- 0.0
Growth
- Revenue
- +26.6%
- EPS
- +9.5%
- Free Cash Flow
- 0.0%
Profitability
- Gross Margin
- 54.5%
- Operating Margin
- 24.2%
- Net Margin
- 22.1%
- ROE
- 18.9%
- ROIC
- 9.1%
Balance Sheet
- Debt/Equity
- 0.05
- Current Ratio
- 15.93
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.