X Financial American Depositary Shares, each representing six Class A Ordinary Shares
XYF
Closed
$4.74
Closed
-(-)
At close
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About
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. 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.
Key stats
Open
$4.84
Volume
42.81K
Market cap
$28.14M
Prev. close
$4.88
Impl / hst vl
-
Open interest
$0.00
$4.76
Day’s Range
$4.95
$3.30
52W Range
$6.74
Valuation
72
Valuation score
Undervalued
P/E
1.23
P/S
0.49
P/B
0.17
Current ratio
1.54
Debt / Equity
0.30
ROE
13.37%
Gross margin
58.73%
Income growth
-33.62%
FCF growth
-
May
20
Dividends
The last payment date was May 20, 2026
Div. per Share
$0.04
Div. Yield
5.74%
Payout Ratio
-
Div. Growth YoY
0.00%
Analysts estimates
Consensus rating
Sell
The average rating from top 4 analysts indicates that stock may slightly underperform the market
Str. Sell
Sell
Hold
Buy
Str. Buy
Earnings
Q1 ‘26 revenue
$173.59M
Q1 ‘26 net income
$5.60M
Revenue
Net income
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