Logo image of XYF

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

USA - NYSE:XYF - US98372W2026 - ADR

12.05 USD
-0.26 (-2.11%)
Last: 11/6/2025, 8:04:00 PM
12 USD
-0.05 (-0.41%)
After Hours: 11/6/2025, 8:04:00 PM

XYF Key Statistics, Chart & Performance

Key Statistics
Market Cap508.62M
Revenue(TTM)7.50B
Net Income(TTM)1.75B
Shares42.21M
Float4.34M
52 Week High20.36
52 Week Low6.04
Yearly DividendN/A
Dividend Yield4.13%
EPS(TTM)5.61
PE2.15
Fwd PEN/A
Earnings (Next)11-26 2025-11-26
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 0 -5 -10 -15

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 100 200 300 400

The current stock price of XYF is 12.05 USD. In the past month the price decreased by -15.32%. In the past year, price increased by 86.82%.

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 24.55 251.93B
COF CAPITAL ONE FINANCIAL CORP 11.67 138.69B
SOFI SOFI TECHNOLOGIES INC 90.53 32.23B
SYF SYNCHRONY FINANCIAL 8.03 26.49B
SLMBP SLM CORP - SLM 5.99942 PERP 26.49 15.74B
KSPI JSC KASPI.KZ ADR N/A 13.64B
ALLY ALLY FINANCIAL INC 11.04 11.89B
OMF ONEMAIN HOLDINGS INC 9.53 7.05B
FCFS FIRSTCASH HOLDINGS INC 19.65 7.18B
SLM SLM CORP 9.39 5.58B
CACC CREDIT ACCEPTANCE CORP 11.14 4.68B
NNI NELNET INC-CL A 23.9 4.69B

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&Tech Plz, No. 168 Haide Third Avenue, Nanshan Dist

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.


What is the current price of XYF stock?

The current stock price of XYF is 12.05 USD. The price decreased by -2.11% 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 rating of X FINANCIAL-ADR stock?

XYF has a ChartMill Technical rating of 4 out of 10 and a ChartMill Fundamental rating of 5 out of 10.


Which stock exchange lists XYF stock?

XYF stock is listed on the New York Stock Exchange, Inc. exchange.


How many employees does X FINANCIAL-ADR have?

X FINANCIAL-ADR (XYF) currently has 563 employees.


XYF Technical Analysis

ChartMill assigns a technical rating of 4 / 10 to XYF. When comparing the yearly performance of all stocks, XYF is one of the better performing stocks in the market, outperforming 90.7% of all stocks.


Chartmill TA Rating
Chartmill Setup Rating

XYF Fundamental Analysis

ChartMill assigns a fundamental rating of 5 / 10 to XYF. While XYF has a great profitability rating, 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 5.61. The EPS increased by 44.57% compared to the year before.


Industry RankSector Rank
PM (TTM) 23.29%
ROA 12.77%
ROE 22.63%
Debt/Equity 0.41
Chartmill High Growth Momentum
EPS Q2Q%44.93%
Sales Q2Q%65.6%
EPS 1Y (TTM)44.57%
Revenue 1Y (TTM)45.11%

XYF Forecast & Estimates


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

XYF Ownership

Ownership
Inst Owners4.35%
Ins Owners1.89%
Short Float %5.85%
Short Ratio0.93