X Financial Class A (XYF)

Currency in USD
5.010
-0.200(-3.84%)
Real-time Data·
Trading near 52-week Low
High dividend Yield
XYF is not included in our AI-picked strategies. See which stocks are.
Fair Value
Day's Range
4.9305.195
52 wk Range
4.93020.355
Key Statistics
Prev. Close
5.21
Open
5.195
Day's Range
4.93-5.195
52 wk Range
4.93-20.355
Volume
196.86K
Average Volume (3m)
234.01K
1-Year Change
-38.9024%
Book Value / Share
26.39
Fair Value
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Fair Value Upside
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XYF Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Analysts Sentiment
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Members' Sentiments
Bearish
Bullish
ProTips
Trading at a low Price / Book multiple

X Financial Class A News & Analysis

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Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Strong Sell
Technical Indicators
Strong Sell
Moving Averages
Strong Sell

X Financial Class A Company Profile

X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. The company offers Xiaoying credit loans, which are online personal credit loan products comprising Xiaoying card loans and other unsecured loan products; and Xiaoying housing loans, a secured home equity loan product. It also provides guarantee, consulting, e-commerce, and microcredit services. In addition, the company engages in the technology development and service, as well as the sale of products. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.

X Financial Class A Earnings Call Summary for Q3/2025

  • X Financial reported Q3 2025 total net revenue of RMB 1.96 billion (↑23.9% YoY) and net income of RMB 421.2 million (↑12.1% YoY), despite stock declining 2.52% to $9.11.
  • The company facilitated RMB 33.64 billion in loans (↑18.7% YoY) while maintaining a 21.5% return on equity and increasing total assets to RMB 14.69 billion (↑26.4% YoY).
  • Management issued Q4 2025 loan origination guidance of RMB 21-23 billion and full-year expectations of RMB 128.8-130.8 billion, prioritizing 'quality and discipline over near-term growth.'
  • Executives highlighted a strategic focus on asset quality and disciplined execution amid regulatory scrutiny, macroeconomic pressures, and rising delinquency rates in China's fintech sector.
Last Updated: 2025-11-21, 09:36 a/m
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Compare XYF to Peers and Sector

Metrics to compare
XYF
Peers
Sector
Relationship
P/E Ratio
0.8x8.4x10.1x
PEG Ratio
0.020.110.03
Price/Book
0.2x1.3x1.0x
Price / LTM Sales
0.2x1.2x2.9x
Upside (Analyst Target)
-35.0%10.9%
Fair Value Upside
Unlock32.1%1.2%Unlock
Firm
ArticlePositionPrice TargetUpside / DownsideFrom Price TargetActionDate

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 40.74%
Dividend Yield
9.87%
Industry Median 1.52%
Annualized payout
0.51
Paid unevenly
5-Years Growth
-
Growth Streak

Earnings

Latest Release
Nov 20, 2025
EPS / Forecast
10.08 / --
Revenue / Forecast
1.96B / --
EPS Revisions
Last 90 days

XYF Income Statement

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FAQ

What Is the X Financial A (XYF) Stock Price Today?

The X Financial A stock price today is 5.010

What Stock Exchange Does X Financial A Trade On?

X Financial A is listed and trades on the New York Stock Exchange.

What Is the Stock Symbol for X Financial A?

The stock symbol for X Financial A is "XYF."

Does X Financial A Pay Dividends? What’s The Current Dividend Yield?

The X Financial A dividend yield is 9.87%.

What Is the X Financial A Market Cap?

As of today, X Financial A market cap is 219.91M.

What Is X Financial A's Earnings Per Share (TTM)?

The X Financial A EPS (TTM) is 40.74.

From a Technical Analysis Perspective, Is XYF a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Sell.

How Many Times Has X Financial A Stock Split?

X Financial A has split 1 times.

How Many Employees Does X Financial A Have?

X Financial A has 563 employees.

What is the current trading status of X Financial A (XYF)?

As of Feb 05, 2026, X Financial A (XYF) is trading at a price of 5.010, with a previous close of 5.210. The stock has fluctuated within a day range of 4.930 to 5.195, while its 52-week range spans from 4.930 to 20.355.

What Is the XYF Premarket Price?

XYF's last pre-market stock price is 5.190. The pre-market share volume is 1,860.000, and the stock has decreased by -0.020, or -0.380%.

What Is the XYF After Hours Price?

XYF's last after hours stock price is 5.210, the stock has decreased by -0.030, or -0.570%.
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