Logo image of XYF

X FINANCIAL-ADR (XYF) Stock Price, Forecast & Analysis

USA - New York Stock Exchange - NYSE:XYF - US98372W2026 - ADR

5.6 USD
-0.18 (-3.11%)
Last: 12/31/2025, 8:04:00 PM
5.6 USD
0 (0%)
After Hours: 12/31/2025, 8:04:00 PM

XYF Key Statistics, Chart & Performance

Key Statistics
Market Cap236.37M
Revenue(TTM)7.88B
Net Income(TTM)1.79B
Shares42.21M
Float4.25M
52 Week High20.36
52 Week Low5.44
Yearly DividendN/A
Dividend Yield4.13%
EPS(TTM)5.76
PE0.97
Fwd PEN/A
Earnings (Next)03-19 2026-03-19
IPO2018-09-19
Sector
GICS SectorFinancials
GICS IndustryConsumer Finance
GICS IndustryGroupFinancial Services
GICS SubIndustryConsumer Finance


XYF short term performance overview.The bars show the price performance of XYF in the last week, last 2 weeks, last month, last 3 and 6 months. 1 week 2 week 1 month 3 months 6 months -20 -40 -60

XYF long term performance overview.The bars show the price performance of XYF in the last 1, 2 and 3 years. 1 year 2 years 3 years 0 20 -20 40 60 80

The current stock price of XYF is 5.6 USD. In the past month the price decreased by -16.04%. In the past year, price decreased by -33.96%.

X FINANCIAL-ADR / XYF Daily stock chart

XYF Latest News, Press Relases and Analysis

XYF Competitors/Peers

The largest stocks on the US markets in the "Consumer Finance" sub-industry
Full List
Symbol
Company Name
TA
FA
PE
Market Cap
AXP AMERICAN EXPRESS CO 24.83 254.84B
COF CAPITAL ONE FINANCIAL CORP 13.04 154.08B
SOFI SOFI TECHNOLOGIES INC 87.27 31.57B
SYF SYNCHRONY FINANCIAL 9.11 30.05B
SLMBP SLM CORP - SLM 5.68481 PERP 25.57 14.80B
ALLY ALLY FINANCIAL INC 12.94 13.95B
FIGR FIGURE TECHNOLOGY SOLUT-CL A 510.5 8.74B
OMF ONEMAIN HOLDINGS INC 10.84 7.95B
FCFS FIRSTCASH HOLDINGS INC 19.34 7.03B
SLM SLM CORP 9.49 5.49B
CACC CREDIT ACCEPTANCE CORP 11.86 4.89B
NNI NELNET INC-CL A 16.02 4.78B

About XYF

Company Profile

XYF logo image X Financial operates as an online personal finance company that develops and provides a technology platform for personal finance services. The company is headquartered in Shenzhen, Guangdong and currently employs 563 full-time employees. The company went IPO on 2018-09-19. The Company’s products primarily include Xiaoying Card Loan and Xiaoying Preferred Loan. The firm is also engaged in the provision of investment opportunities to investors through its wealth management platform, Xiaoying Wealth Management. The Company’s WinSAFE risk control system builds risk profiles of its prospective borrowers upon data from credit information providers.

Company Info

X FINANCIAL-ADR

7-8F, Block A, Aerospace Science and Technology Plaza, No. 168, Haide Third Avenue, Nanshan District

Shenzhen GUANGDONG 518067 CN

CEO: Yue (Justin) Tang

Employees: 563

XYF Company Website

XYF Investor Relations

Phone: 8675586282977

X FINANCIAL-ADR / XYF FAQ

What does X FINANCIAL-ADR do?

X Financial operates as an online personal finance company that develops and provides a technology platform for personal finance services. The company is headquartered in Shenzhen, Guangdong and currently employs 563 full-time employees. The company went IPO on 2018-09-19. The Company’s products primarily include Xiaoying Card Loan and Xiaoying Preferred Loan. The firm is also engaged in the provision of investment opportunities to investors through its wealth management platform, Xiaoying Wealth Management. The Company’s WinSAFE risk control system builds risk profiles of its prospective borrowers upon data from credit information providers.


Can you provide the latest stock price for X FINANCIAL-ADR?

The current stock price of XYF is 5.6 USD. The price decreased by -3.11% in the last trading session.


What is the dividend status of X FINANCIAL-ADR?

X FINANCIAL-ADR (XYF) has a dividend yield of 4.13%. The yearly dividend amount is currently 0.


What is the ChartMill technical and fundamental rating of XYF stock?

XYF has a ChartMill Technical rating of 0 out of 10 and a ChartMill Fundamental rating of 5 out of 10.


Should I buy XYF stock?

This depends on your investment goals. Check the Technical and Fundamental Analysis tabs for insights on XYF.


Can you provide the ownership details for XYF stock?

You can find the ownership structure of X FINANCIAL-ADR (XYF) on the Ownership tab.


XYF Technical Analysis


Chartmill TA Rating
Chartmill Setup Rating

XYF Fundamental Analysis

ChartMill assigns a fundamental rating of 5 / 10 to XYF. XYF scores excellent on profitability, but there are some minor concerns on its financial health.


Chartmill FA Analysis
Valuation
Growth
Profitability
Health
Dividend

XYF Financial Highlights

Over the last trailing twelve months XYF reported a non-GAAP Earnings per Share(EPS) of 5.76. The EPS increased by 49.34% compared to the year before.


Industry RankSector Rank
PM (TTM) 22.75%
ROA 12.2%
ROE 22.61%
Debt/Equity 0.5
Chartmill High Growth Momentum
EPS Q2Q%30.23%
Sales Q2Q%23.92%
EPS 1Y (TTM)49.34%
Revenue 1Y (TTM)47.15%

XYF Forecast & Estimates


Analysts
Analysts45
Price TargetN/A
EPS Next YN/A
Revenue Next YearN/A

XYF Ownership

Ownership
Inst Owners8.98%
Ins Owners3.4%
Short Float %2.26%
Short Ratio0.44