NYSE:XYF X Financial (XYF) Stock Price, News & Analysis $12.48 +0.99 (+8.57%) Closing price 03/14/2025 03:58 PM EasternExtended Trading$12.61 +0.13 (+1.00%) As of 03/14/2025 07:59 PM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisChartCompetitorsDividendEarningsFinancialsHeadlinesOwnershipSEC FilingsShort InterestTrends About X Financial Stock (NYSE:XYF) 30 days 90 days 365 days Advanced Chart View Price History Chart DataSkip Price History Chart Get X Financial alerts:Sign Up Key Stats Today's Range$11.68▼$12.7050-Day Range$7.05▼$11.5452-Week Range$3.48▼$12.70Volume307,196 shsAverage Volume35,389 shsMarket Capitalization$610.84 millionP/E Ratio3.29Dividend Yield2.56%Price TargetN/AConsensus RatingN/A Company OverviewX Financial provides personal finance services in the People's Republic of China. The company offers services as an online marketplace connecting borrowers and investors or institutional funding partners. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as funds, money market, and insurance products; and loan facilitation services to other platforms. In addition, it engages in the technology development, service, and sale of products; and provision of guarantee and consulting services. The company was incorporated in 2014 and is headquartered in Shenzhen, the People's Republic of China.Read More… Remove Ads X Financial Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks69th Percentile Overall ScoreXYF MarketRank™: X Financial scored higher than 69% of companies evaluated by MarketBeat, and ranked 471st out of 954 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's OpinionN/AAnalyst RatingN/A Consensus RatingThere is not enough analysis data for X Financial. Earnings and Valuation1.9 / 5Proj. Earnings GrowthN/A Price to Earnings Ratio vs. the MarketThe P/E ratio of X Financial is 3.29, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 23.47.Price to Earnings Ratio vs. SectorThe P/E ratio of X Financial is 3.29, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 23.92.Price to Book Value per Share RatioX Financial has a P/B Ratio of 0.74. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.Read more about X Financial's valuation and earnings. Short Interest5.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted0.01% of the float of X Financial has been sold short.Short Interest Ratio / Days to CoverX Financial has a short interest ratio ("days to cover") of 0.1, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in X Financial has recently decreased by 77.58%, indicating that investor sentiment is improving significantly. Dividend1.7 / 5Dividend StrengthWeak Dividend YieldX Financial pays a meaningful dividend of 2.99%, higher than the bottom 25% of all stocks that pay dividends.Dividend GrowthX Financial does not have a long track record of dividend growth.Dividend CoverageThe dividend payout ratio of X Financial is 8.44%. This payout ratio is at a healthy, sustainable level, below 75%.Read more about X Financial's dividend. Sustainability and ESGN/AEnvironmental ScoreN/A Percentage of Shares Shorted0.01% of the float of X Financial has been sold short.Short Interest Ratio / Days to CoverX Financial has a short interest ratio ("days to cover") of 0.1, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in X Financial has recently decreased by 77.58%, indicating that investor sentiment is improving significantly. News and Social Media3.4 / 5News Sentiment1.05 News SentimentX Financial has a news sentiment score of 1.05. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.83 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 5 news articles for X Financial this week, compared to 2 articles on an average week.Search Interest2 people have searched for XYF on MarketBeat in the last 30 days. MarketBeat FollowsOnly 1 people have added X Financial to their MarketBeat watchlist in the last 30 days. This is a decrease of 0% compared to the previous 30 days. Company Ownership1.7 / 5Insider TradingN/A Insider Buying vs. Insider SellingIn the past three months, X Financial insiders have not sold or bought any company stock.Percentage Held by Insiders31.58% of the stock of X Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.Percentage Held by InstitutionsOnly 1.15% of the stock of X Financial is held by institutions.Read more about X Financial's insider trading history. Receive XYF Stock News and Ratings via Email Sign-up to receive the latest news and ratings for X Financial and its competitors with MarketBeat's FREE daily newsletter. Email Address XYF Stock News Headlines REX launches Bitcoin Corporate Treasury Convertible Bond ETF March 14 at 8:58 PM | cointelegraph.com REX launches Bitcoin Corporate Treasury Convertible Bond ETF March 14 at 6:39 PM | cointelegraph.comTrump doesn’t give a damnPorter Stansberry: “I met with Trump’s biggest backers… they’re scooping up these 10 stocks” I recently met with one of Trump’s longest-serving advisors. We helped put together a plan to help investors capitalize on Trump’s election. And we found out these 10 stocks are the most likely to boom…March 15, 2025 | Porter & Company (Ad) REX launches Bitcoin Corporate Treasury Convertible Bond ETF March 14 at 12:32 PM | cointelegraph.comX Financial rises 22.4%February 19, 2025 | markets.businessinsider.comX Financial Discloses Details of $48.7 Million Share RepurchaseDecember 23, 2024 | tipranks.comX Financial shareholder repurchases $48.7M shares from the companyDecember 19, 2024 | tipranks.comX Financial Announces US$48.7 Million Share Repurchase from Major ShareholderDecember 19, 2024 | prnewswire.comSee More Headlines XYF Stock Analysis - Frequently Asked Questions How have XYF shares performed this year? X Financial's stock was trading at $8.33 at the start of the year. Since then, XYF stock has increased by 49.9% and is now trading at $12.4850. View the best growth stocks for 2025 here. How were X Financial's earnings last quarter? X Financial (NYSE:XYF) issued its quarterly earnings data on Tuesday, November, 26th. The company reported $1.24 earnings per share for the quarter. X Financial had a trailing twelve-month return on equity of 20.66% and a net margin of 25.03%. When did X Financial IPO? X Financial (XYF) raised $110 million in an initial public offering on Wednesday, September 19th 2018. The company issued 11,000,000 shares at $9.00-$11.00 per share. Deutsche Bank Securities and Morgan Stanley acted as the underwriters for the IPO and EBS International, China Merchants Securities (HK) and AMTD Tiger were co-managers. Who are X Financial's major shareholders? Top institutional shareholders of X Financial include Renaissance Technologies LLC (0.17%). How do I buy shares of X Financial? Shares of XYF stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services. What other stocks do shareholders of X Financial own? Based on aggregate information from My MarketBeat watchlists, some other companies that X Financial investors own include NVIDIA (NVDA), Broadcom (AVGO), Builders FirstSource (BLDR), e.l.f. Beauty (ELF), General Electric (GE), Disc Medicine (IRON) and ServiceNow (NOW). Company Calendar Last Earnings11/26/2024Today3/14/2025Next Earnings (Estimated)3/25/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNYSE SectorFinance Industry Nondepository credit institutions Sub-IndustryBanking Current SymbolNYSE:XYF CIK1725033 Webwww.xiaoyinggroup.com Phone8675586282977FaxN/AEmployees420Year FoundedN/AProfitability EPS (Most Recent Fiscal Year)$3.79 Trailing P/E Ratio3.29 Forward P/E RatioN/A P/E GrowthN/ANet Income$167.16 million Net Margins25.03% Pretax Margin30.26% Return on Equity20.66% Return on Assets11.17% Debt Debt-to-Equity RatioN/A Current Ratio2.16 Quick Ratio2.16 Sales & Book Value Annual Sales$2.26 billion Price / Sales0.27 Cash Flow$4.03 per share Price / Cash Flow3.10 Book Value$16.83 per share Price / Book0.74Miscellaneous Outstanding Shares48,926,000Free Float33,475,000Market Cap$610.84 million OptionableNot Optionable Beta0.45 A Beginner's Guide to Investing in CannabisUnlock your free copy of MarketBeat's comprehensive guide to pot stock investing and discover which cannabis companies are poised for growth. Plus, you'll get exclusive access to our daily newsletter with expert stock recommendations from Wall Street's top analysts.Get This Free Report This page (NYSE:XYF) was last updated on 3/15/2025 by MarketBeat.com Staff From Our PartnersHas Trump finally met his match?Dylan Jovine predicted the 2008 crash over a year before it happened. Folks who listened to him had the chance...Behind the Markets | Sponsored$2 Trillion Disappears Because of Fed's Secretive New Move$2 trillion has disappeared from the US government's books. The reason why is a new, secretive move being c...Stansberry Research | SponsoredA brutally honest economic warning for 2025 (see proof)New York Times best-selling financial author and world-renowned economist Addison Wiggin (a man who’s worked s...Banyan Hill Publishing | SponsoredCollect $7k per month from Tesla’s SECRET dividendTesla doesn't pay a traditional dividend.... 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