X FINANCIAL-ADR (XYF) Stock Price & Overview

NYSE:XYF • US98372W2026

Current stock price

4.71 USD
+0.01 (+0.21%)
Last:

The current stock price of XYF is 4.71 USD. Today XYF is up by 0.21%. In the past month the price decreased by -7.65%. In the past year, price decreased by -62.29%.

XYF Key Statistics

52-Week Range4.67 - 20.355
Current XYF stock price positioned within its 52-week range.
1-Month Range4.67 - 5.32
Current XYF stock price positioned within its 1-month range.
Market Cap
198.806M
P/E
0.81
Fwd P/E
N/A
EPS (TTM)
5.85
Dividend Yield
8.52%

XYF Stock Performance

Today
+0.21%
1 Week
-5.23%
1 Month
-7.65%
3 Months
-33.85%
Longer-term
6 Months -66.71%
1 Year -62.29%
2 Years +22.02%
3 Years +50.96%
5 Years +26.61%
10 Years N/A

XYF Stock Chart

X FINANCIAL-ADR / XYF Daily stock chart

XYF Technical Analysis

ChartMill assigns a technical rating of 0 / 10 to XYF. When comparing the yearly performance of all stocks, XYF is a bad performer in the overall market: 94.01% of all stocks are doing better.


Chartmill TA Rating
Chartmill Setup Rating

XYF Fundamental Analysis

ChartMill assigns a fundamental rating of 6 / 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 Earnings

Next Earnings DateMar 19, 2026
Last Earnings DateNov 21, 2025
PeriodQ3 / 2025
EPS Reported
Revenue Reported
EPS Surprise %
Revenue Surprise %

XYF Forecast & Estimates


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

XYF Groups

Sector & Classification

Sub-Industry
Consumer Finance
Index Membership

XYF Financial Highlights

Over the last trailing twelve months XYF reported a non-GAAP Earnings per Share(EPS) of 5.85. The EPS increased by 49.34% compared to the year before.


Income Statements
Revenue(TTM)7.88B
Net Income(TTM)1.79B
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 Ownership

Ownership
Inst Owners9.7%
Shares42.21M
Float9.83M
Ins Owners3.4%
Short Float %1.43%
Short Ratio0.65

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
SymbolCompany NameTechnical RatingFundamental RatingFPEMarket Cap
AXP AMERICAN EXPRESS CO16.9205.956B
COF CAPITAL ONE FINANCIAL CORP8.75111.817B
SOFI SOFI TECHNOLOGIES INC28.8122.649B
SYF SYNCHRONY FINANCIAL6.8422.17B
SLMBP SLM CORP - SLM 5.68481 PERP27.0914.851B
ALLY ALLY FINANCIAL INC6.7411.17B
FCFS FIRSTCASH HOLDINGS INC18.578.491B
FIGR FIGURE TECHNOLOGY SOLUT-CL A37.177.568B
OMF ONEMAIN HOLDINGS INC6.886.099B
CACC CREDIT ACCEPTANCE CORP9.824.814B
NNI NELNET INC-CL A14.594.657B
SLM SLM CORP7.143.911B
ENVA ENOVA INTERNATIONAL INC8.343.354B

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 firm is engaged in the connection of borrowers with institutional funding partners and the provision of online personal credit loan products. The firm's main product is Xiaoying Credit Loan, which mainly consists of Xiaoying Card Loan and other unsecured loan products. The firm is also engaged in the provision of secured loan products sunch as Xiaoying Housing Loan and others. The firm primarily conducts its businesses in domestic market.

Company Info

IPO: 2018-09-19

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 firm is engaged in the connection of borrowers with institutional funding partners and the provision of online personal credit loan products. The firm's main product is Xiaoying Credit Loan, which mainly consists of Xiaoying Card Loan and other unsecured loan products. The firm is also engaged in the provision of secured loan products sunch as Xiaoying Housing Loan and others. The firm primarily conducts its businesses in domestic market.


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

The current stock price of XYF is 4.71 USD. The price increased by 0.21% in the last trading session.


What is the dividend status of X FINANCIAL-ADR?

X FINANCIAL-ADR (XYF) has a dividend yield of 8.52%. 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 6 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.