NYSE:XYF X Financial (XYF) Stock Price, News & Analysis $14.06 +0.02 (+0.14%) Closing price 03:59 PM EasternExtended Trading$14.22 +0.16 (+1.17%) As of 04:12 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 InterestTrendsBuy This Stock 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$14.00▼$14.3650-Day Range$12.24▼$19.9752-Week Range$4.76▼$20.35Volume92,731 shsAverage Volume284,514 shsMarket Capitalization$587.43 millionP/E Ratio2.63Dividend Yield3.41%Price TargetN/AConsensus RatingN/A Company Overview X Financial (NYSE:XYF) is a Beijing-based online credit marketplace focused on providing diversified financing solutions to individuals and small- and medium-sized enterprises (SMEs) in China. The company was established in 2014 and completed its initial public offering on the New York Stock Exchange in 2016. Since inception, X Financial has built a technology-driven platform that connects borrowers with a network of institutional investors, banks and other funding sources, aiming to streamline access to credit and improve lending efficiency. The company’s core offerings include consumer loans, SME loans, real estate-secured financing and wealth management products. Through its proprietary credit-scoring and risk-management systems, X Financial assesses borrower profiles and matches them with appropriate funding partners. This end-to-end digital approach spans loan origination, underwriting, servicing and collections, enabling the company to support a wide range of credit needs from personal installment financing to working‐capital loans for businesses. Serving clients across major urban centers and second-tier cities throughout China, X Financial emphasizes strong compliance with local regulations and prudent risk controls. The company’s leadership team comprises executives with deep experience in finance, technology and regulatory affairs, overseeing ongoing platform enhancements and geographic expansion initiatives. By leveraging data analytics and strategic partnerships, X Financial continues to scale its credit marketplace with the goal of addressing underserved lending segments in the Chinese market.AI Generated. May Contain Errors. Read More X Financial Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks46th Percentile Overall ScoreXYF MarketRank™: X Financial scored higher than 46% of companies evaluated by MarketBeat, and ranked 716th out of 958 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 2.64, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.80.Price to Earnings Ratio vs. SectorThe P/E ratio of X Financial is 2.64, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 246.52.Price to Book Value per Share RatioX Financial has a P/B Ratio of 0.62. 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 Interest3.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted1.00% 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 0.7, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in X Financial has recently increased by 65.14%, indicating that investor sentiment is decreasing significantly. Dividend1.7 / 5Dividend StrengthWeak Dividend YieldX Financial pays a meaningful dividend of 3.41%, 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 8.99%. 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 Shorted1.00% 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 0.7, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in X Financial has recently increased by 65.14%, indicating that investor sentiment is decreasing significantly. News and Social Media2.7 / 5News Sentiment0.90 News SentimentX Financial has a news sentiment score of 0.90. 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 lower news sentiment than the 1.05 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 2 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 Follows3 people have added X Financial to their MarketBeat watchlist in the last 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. 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XYF Stock News HeadlinesX Financial’s Earnings Call: Growth Amidst ChallengesSeptember 9, 2025 | theglobeandmail.comWith a 54% stake, X Financial (NYSE:XYF) insiders have a lot riding on the companySeptember 1, 2025 | ca.finance.yahoo.com$3,600 gold is nice ... but here’s what most gold bugs are missingGold just surged past $3,600, but Weiss Ratings expert Sean Brodrick says the real upside is in select gold stocks — in past bull markets, these plays delivered gains as high as 5,000% to 9,800%, and Sean has now identified five companies he believes could see explosive moves in the early stages of what may be the biggest gold rally yet.September 16 at 2:00 AM | Weiss Ratings (Ad)X Financial (XYF) Q2 2025 Earnings Call Highlights: Robust Growth Amid Regulatory ChallengesAugust 21, 2025 | finance.yahoo.comX Financial (NYSE:XYF) Q2 2025 Earnings Call TranscriptAugust 20, 2025 | msn.comX Financial Reports Strong Q2 2025 PerformanceAugust 20, 2025 | msn.comX Financial (XYF) Q2 2025 Earnings Call TranscriptAugust 19, 2025 | seekingalpha.comX Financial 2025 Q2 - Results - Earnings Call PresentationAugust 19, 2025 | seekingalpha.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 69.1% and is now trading at $14.0840. How were X Financial's earnings last quarter? X Financial Sponsored ADR (NYSE:XYF) issued its quarterly earnings data on Monday, August, 18th. The company reported $1.85 earnings per share for the quarter. The firm had revenue of $317.32 million for the quarter. X Financial had a net margin of 23.30% and a trailing twelve-month return on equity of 25.42%. Read the conference call transcript. 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 a price of $9.00-$11.00 per share. Deutsche Bank Securities and Morgan Stanley served 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 investors of X Financial include Jump Financial LLC (0.10%). 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), GE Aerospace (GE), Disc Medicine (IRON) and ServiceNow (NOW). Company Calendar Record date for 7/2 Dividend6/20/2025Ex-Dividend for 7/2 Dividend6/20/2025Dividend Payable7/02/2025Last Earnings8/18/2025Today9/16/2025Record date for 10/15 Dividend9/26/2025Ex-Dividend for 10/15 Dividend9/26/2025Dividend Payable10/15/2025Next Earnings (Estimated)11/20/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNYSE SectorFinance Industry FIN - MISC SVCS Sub-IndustryBanking Current SymbolNYSE:XYF CIK1725033 Webwww.xiaoyinggroup.com Phone8675586282977FaxN/AEmployees420Year FoundedN/AProfitability EPS (Trailing Twelve Months)$5.34 Trailing P/E Ratio2.63 Forward P/E RatioN/A P/E GrowthN/ANet Income$210.97 million Net Margins23.30% Pretax Margin28.81% Return on Equity25.42% Return on Assets14.98% Debt Debt-to-Equity RatioN/A Current Ratio2.13 Quick Ratio2.13 Sales & Book Value Annual Sales$3.15 billion Price / Sales0.19 Cash Flow$4.90 per share Price / Cash Flow2.87 Book Value$22.80 per share Price / Book0.62Miscellaneous Outstanding Shares41,780,000Free Float28,586,000Market Cap$587.01 million OptionableNot Optionable Beta0.30 Social Links Analysts Agree—These Gold Picks Outshine the RestUnlock the timeless value of gold with our exclusive 2025 Gold Forecasting Report. Explore why gold remains the ultimate investment for safeguarding wealth against inflation, economic shifts, and global uncertainties. Whether you're planning for future generations or seeking a reliable asset in turbulent times, this report is your essential guide to making informed decisions.Get This Free Report This page (NYSE:XYF) was last updated on 9/16/2025 by MarketBeat.com Staff From Our PartnersWhy More Investors Are Using Family Trusts to Protect Their WealthFor many investors, a family trust can be an essential tool for protecting assets, avoiding probate, and ensur...SmartAsset | SponsoredNvidia Times 1,000,000Nvidia’s latest AI chip is a $25,000 powerhouse — with 80 billion transistors and the ability to perform 60 tr...Paradigm Press | SponsoredMarket Panic: Trump Just Dropped a Bomb on Your Stockstock Market Panic: Trump Just Dropped a Bomb on Your Stocks The market is in freefall—and Trump's new tarif...American Alternative | SponsoredForget NVDA. 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