X Financial (XYF) Stock Price

X Financial Price

NYSE·CLOSED
4.64CNY-0.04 (-0.86 %)
Market closed

Revenue has compounded at 49.9% per year over the past 8 years to 5.87 B CNY. Earnings per share have grown at 24.6% per year over the last 7 years. X Financial's net margin stands at 26.2%, up from -59.7% several years earlier. X Financial currently offers a dividend yield of about 7.33%. The payout ratio is around 44% of earnings. The dividend has grown at 27.7% per year over the past 5 years. The stock trades about 36% above its 52-week low.

X Financial stock price

Volume
Ex-Dividend
Details

Stock Price

ⓘ

How to Read This Chart

This chart tracks the historical stock price of X Financial over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how X Financial stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing X Financial's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

X Financial Stock Price History
DateX Financial Price
7/17/20264.64 CNY
7/15/20264.68 CNY
6/29/20265.01 CNY
6/26/20264.95 CNY
6/12/20265.03 CNY
6/11/20265.08 CNY
6/10/20264.86 CNY
6/5/20264.71 CNY
6/4/20264.93 CNY
6/3/20264.83 CNY
6/2/20264.91 CNY
6/1/20264.91 CNY
5/29/20264.81 CNY
5/28/20264.73 CNY
5/27/20264.87 CNY
5/26/20264.42 CNY
5/22/20264.57 CNY
5/21/20265.01 CNY
5/20/20264.75 CNY
5/19/20264.68 CNY
5/14/202632.88 CNY
4/22/20265.05 CNY
4/21/20264.68 CNY
4/20/20264.77 CNY
4/16/20264.71 CNY
4/15/20264.58 CNY
4/14/20264.57 CNY
4/13/20264.55 CNY
4/9/20264.38 CNY
4/8/20264.40 CNY
4/7/20264.28 CNY
4/6/20264.32 CNY
4/2/20264.22 CNY
4/1/20264.12 CNY
3/31/20264.12 CNY
3/30/20263.88 CNY
3/27/20263.64 CNY
3/26/20263.41 CNY
3/25/20264.62 CNY
3/24/20264.50 CNY
3/23/20264.63 CNY
3/20/20264.42 CNY
3/19/20264.43 CNY
3/18/20264.82 CNY
3/17/20265.04 CNY
3/16/20264.65 CNY
3/13/20264.71 CNY
3/12/20264.70 CNY
3/11/20264.82 CNY
3/10/20264.93 CNY
3/9/20264.93 CNY
3/6/20264.97 CNY
3/5/20264.84 CNY
3/4/20264.82 CNY
3/3/20264.80 CNY
3/2/20264.99 CNY
2/27/20264.98 CNY
2/26/20265.02 CNY
2/25/20265.07 CNY
2/24/20265.11 CNY
2/23/20264.80 CNY
2/20/20264.96 CNY
2/19/20265.12 CNY
2/18/20265.16 CNY
2/17/20265.16 CNY
2/13/20265.16 CNY
2/12/20265.10 CNY
2/11/20265.23 CNY
2/10/20265.37 CNY
2/9/20265.33 CNY
2/6/20265.26 CNY
2/5/20265.11 CNY
2/4/20265.21 CNY
2/3/20265.15 CNY
2/2/20265.25 CNY
1/30/20265.15 CNY
1/29/20265.21 CNY
1/28/20265.74 CNY
1/27/20265.85 CNY
1/26/20265.59 CNY
1/23/20265.99 CNY
1/22/20266.00 CNY
1/21/20265.79 CNY
1/20/20266.00 CNY
1/16/20266.11 CNY
1/15/20266.00 CNY
1/14/20266.11 CNY
1/13/20266.06 CNY
1/12/20266.39 CNY
1/9/20266.23 CNY
1/8/20266.01 CNY
1/7/20266.03 CNY
1/6/20266.05 CNY
1/5/20266.07 CNY
1/2/20265.78 CNY
12/31/20255.60 CNY
12/30/20255.78 CNY
12/29/20255.74 CNY
12/26/20255.73 CNY
12/24/20255.90 CNY
12/23/20255.97 CNY
12/22/20256.11 CNY
12/19/20256.40 CNY
12/18/20256.55 CNY
12/17/20256.39 CNY
12/16/20256.63 CNY
12/15/20256.88 CNY
12/12/20257.12 CNY
12/11/20256.91 CNY
12/10/20256.76 CNY
12/9/20256.94 CNY
12/8/20256.67 CNY
12/5/20256.98 CNY
12/4/20257.33 CNY
12/3/20257.16 CNY
12/2/20256.67 CNY
12/1/20256.67 CNY
11/28/20256.88 CNY
11/26/20257.17 CNY
11/25/20257.38 CNY
11/24/20257.36 CNY
11/21/20257.68 CNY
11/20/20259.11 CNY
11/19/20259.71 CNY
11/18/202511.09 CNY
11/17/202511.27 CNY
11/14/202511.62 CNY
11/13/202511.83 CNY
11/12/202511.99 CNY
11/11/202512.20 CNY
11/10/202512.32 CNY
11/7/202512.46 CNY
11/6/202512.05 CNY
11/5/202512.31 CNY
11/4/202512.20 CNY
11/3/202512.60 CNY
10/31/202512.49 CNY
10/30/202512.01 CNY
10/29/202511.98 CNY
10/28/202512.00 CNY
10/27/202512.78 CNY
10/23/202512.67 CNY
10/22/202512.45 CNY
10/21/202512.66 CNY
10/20/202512.70 CNY
10/16/202513.26 CNY
10/15/202513.72 CNY
10/14/202513.77 CNY
10/13/202513.44 CNY
10/9/202514.23 CNY
10/8/202514.62 CNY
10/7/202514.25 CNY
10/6/202514.51 CNY
10/2/202514.42 CNY
10/1/202514.00 CNY
9/30/202513.76 CNY
9/29/202513.54 CNY
9/25/202513.96 CNY
9/24/202513.92 CNY
9/23/202514.59 CNY
9/22/202514.73 CNY
9/18/202514.82 CNY
9/17/202514.68 CNY
9/16/202514.01 CNY
9/15/202514.04 CNY
9/11/202514.20 CNY
9/10/202513.71 CNY
9/9/202513.84 CNY
9/8/202513.80 CNY
9/4/202515.37 CNY
9/3/202515.75 CNY
9/2/202515.56 CNY
8/28/202514.83 CNY
8/27/202514.98 CNY
8/26/202515.10 CNY
8/25/202515.66 CNY
8/21/202514.79 CNY
8/20/202512.78 CNY
8/19/202512.32 CNY
8/18/202512.86 CNY
8/14/202513.99 CNY
8/13/202514.19 CNY
8/12/202514.10 CNY
8/11/202513.67 CNY
8/7/202514.09 CNY
8/6/202514.23 CNY
8/5/202513.64 CNY
8/4/202513.77 CNY
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X Financial Revenue, EBIT, Net Income

  • 3 Years

  • 5 Years

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  • 25 Years

  • Max

Revenue
EBIT
Net Income
Details
Date
Revenue
EBIT
Net Income
Jan 1, 2022
3.56 B CNY
1.08 B CNY
812.00 M CNY
Jan 1, 2023
4.81 B CNY
1.44 B CNY
1.19 B CNY
Jan 1, 2024
5.87 B CNY
3.46 B CNY
1.54 B CNY
Jan 1, 2025 (e)
3.75 B CNY
1.96 B CNY
1.38 B CNY
Jan 1, 2026 (e)
3.75 B CNY
1.96 B CNY
1.34 B CNY
Jan 1, 2027 (e)
3.27 B CNY
1.72 B CNY
1.16 B CNY
Jan 1, 2028 (e)
3.35 B CNY
1.76 B CNY
649.56 M CNY
Jan 1, 2029 (e)
3.40 B CNY
1.78 B CNY
581.90 M CNY

X Financial Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 4, 2026, 4:11 AM
 
REVENUEB CNY
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEB CNY
EBITB CNY
EBIT MARGIN%
NET INCOMEB CNY
NET INCOME GROWTH%
DIV.CNY
DIV. GROWTH%
SHARESM
2016201720182019202020212022202320242025e2026e2027e2028e2029e
0.231.793.543.092.193.633.564.815.873.753.753.273.353.40
–676.5298.21-12.77-29.0265.42-1.7735.1521.96-36.21–-12.632.511.40
-12.1757.4566.5047.055.5245.8640.3140.4070.4070.4070.4070.4070.4070.40
-0.031.032.351.450.121.661.441.954.132.642.642.302.362.39
-0.140.501.280.81-0.471.311.081.443.461.961.961.721.761.78
-59.1328.0536.0226.30-21.4436.1630.3829.8558.8552.4252.4252.4152.4252.43
-0.120.340.880.77-1.310.830.811.191.541.381.341.160.650.58
–-385.71159.71-12.34-268.99-163.07-1.7046.2429.76-10.14-2.89-13.85-43.91-10.48
–––0.10––––0.340.530.640.76––
–––––––––55.8820.7518.75––
302.09302.09303.61319.75321.24336.88322.40290.83293.36293.36293.36293.36293.36293.36
Details

Income Statement Key Figures

ⓘ

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales X Financial generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue X Financial retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare X Financial's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares X Financial has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against X Financial's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

X Financial stock margins

The X Financial margin analysis displays the gross margin, EBIT margin, as well as the profit margin of X Financial. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for X Financial.

  • 3 Years

  • 5 Years

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  • 25 Years

  • Max

Gross margin
EBIT margin
Profit margin
Details
Date
Gross margin
EBIT margin
Profit margin
Jan 1, 2020
5.54 %
-21.45 %
-59.67 %
Jan 1, 2021
45.87 %
36.15 %
22.76 %
Jan 1, 2022
40.31 %
30.38 %
22.79 %
Jan 1, 2023
40.40 %
29.86 %
24.65 %
Jan 1, 2024
70.40 %
58.84 %
26.23 %
Jan 1, 2025 (e)
70.40 %
52.42 %
36.95 %
Jan 1, 2026 (e)
70.40 %
52.42 %
35.86 %
Jan 1, 2027 (e)
70.40 %
52.42 %
35.35 %

X Financial Stock Revenue, EBIT, Earnings per Share

The X Financial earnings per share therefore indicates how much revenue X Financial has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Revenue per Share
EBIT per share
Earnings per Share
Details
Date
Revenue per Share
EBIT per share
Earnings per Share
Jan 1, 2020
6.83 CNY
-1.46 CNY
-4.07 CNY
Jan 1, 2021
10.76 CNY
3.89 CNY
2.45 CNY
Jan 1, 2022
11.05 CNY
3.36 CNY
2.52 CNY
Jan 1, 2023
16.56 CNY
4.94 CNY
4.08 CNY
Jan 1, 2024
20.02 CNY
11.78 CNY
5.25 CNY
Jan 1, 2025 (e)
47.94 CNY
6.69 CNY
17.71 CNY
Jan 1, 2026 (e)
47.94 CNY
6.69 CNY
17.19 CNY
Jan 1, 2027 (e)
41.89 CNY
5.85 CNY
14.81 CNY

X Financial business model & stock analysis

X Financial is a young company that was founded in China in 2014. Originally starting as an online lending platform, the company has since expanded its offerings. Today, it also operates as a peer-to-peer platform, providing asset management services and investment products. The company is listed on the New York Stock Exchange and has its headquarters in Shenzhen, China.

X Financial SWOT Analysis

Strengths

X Financial has a strong brand reputation in the finance industry.

The company has a diverse range of financial products, catering to various customer needs.

X Financial has an experienced and knowledgeable management team.

Weaknesses

The company heavily relies on external funding sources, which can make it vulnerable to market fluctuations.

X Financial faces intense competition from other established players in the market.

The company's reliance on technology leaves it susceptible to cybersecurity threats and system failures.

Opportunities

The increasing demand for fintech solutions presents growth opportunities for X Financial.

Expanding into new markets and diversifying its product portfolio can help the company capture a larger customer base.

Partnerships with other financial institutions can enable X Financial to enhance its distribution channels.

Threats

Changes in government regulations and policies could impact the company's operations and profitability.

Economic downturns and market volatility can adversely affect the company's financial performance.

X Financial may face reputational damage due to industry scandals or misconduct.

X Financial Employees

  • 3 Years

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  • Max

X Financial Employees
Details
Date
X Financial Employees
Jan 1, 2018
- Employees
Jan 1, 2019
- Employees
Jan 1, 2020
- Employees
Jan 1, 2021
- Employees
Jan 1, 2022
- Employees
Jan 1, 2023
- Employees
Jan 1, 2024
- Employees
Jan 1, 2025
- Employees

X Financial Eulerpool Fair Value

Details

Fair Value Estimate

ⓘ

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

X Financial historical P/E ratio, EBIT multiple, and P/S ratio

X Financial annual returns

Details

Annual Return

ⓘ

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

X Financial shares outstanding

The number of shares of X Financial was 293.36 M in 2025. This indicates how many shares X Financial is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2020
321.24 M Stocks
Jan 1, 2021
336.88 M Stocks
Jan 1, 2022
322.40 M Stocks
Jan 1, 2023
290.83 M Stocks
Jan 1, 2024
293.36 M Stocks
Jan 1, 2025 (e)
293.36 M Stocks
Jan 1, 2026 (e)
293.36 M Stocks
Jan 1, 2027 (e)
293.36 M Stocks

X Financial stock splits

In X Financial's history, there have been no stock splits.

X Financial Dividend History

4 years of dividend payments · 3 consecutive increases

YearAnnual DividendYoY ChangePayments
20250.53CNY↑ 55.9%2×
Jun 20, 20250.25CNY↑ 47.1%1/2
Sep 26, 20250.28CNY↑ 12.0%2/2
20240.34CNY↑ 100.0%2×
20230.17CNY↑ 70.0%1×
20190.10CNY—1×

X Financial dividend history and estimates

In 2025, X Financial paid a dividend amounting to 0.53 CNY. Dividend means that X Financial distributes a portion of its profits to its owners.

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Dividend
Dividend (Estimate)
Special dividend
Details
Date
Dividend
Dividend (Estimate)
Special dividend
Jan 1, 2019
0.10 CNY
0.00 CNY
0.00 CNY
Jan 1, 2023 (e)
0.17 CNY
0.00 CNY
0.00 CNY
Jan 1, 2024
0.34 CNY
0.00 CNY
0.00 CNY
Jan 1, 2025
0.53 CNY
0.00 CNY
0.00 CNY
Jan 1, 2026 (e)
0.00 CNY
0.64 CNY
0.00 CNY
Jan 1, 2027 (e)
0.00 CNY
0.76 CNY
0.00 CNY

X Financial dividend payout ratio

In 2025, X Financial had a payout ratio of 2.99%. The payout ratio indicates the percentage of the company's profits that X Financial distributes as dividends.

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Payout ratio
Details
Date
Payout ratio
Jan 1, 2020
51.93 %
Jan 1, 2021
41.30 %
Jan 1, 2022
37.75 %
Jan 1, 2023
28.17 %
Jan 1, 2024
43.79 %
Jan 1, 2025 (e)
2.99 %
Jan 1, 2026 (e)
3.70 %
Jan 1, 2027 (e)
5.15 %
Price targets and forecasts for X Financial are not yet available.

X Financial Earnings Calls

2025

X Financial Earnings Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
6/29/20200.29CNY--CNY-2020 Q1
4/27/20200.34CNY--CNY-2019 Q4
11/20/20190.71CNY--CNY-2019 Q3
8/18/20190.69CNY--CNY-2019 Q2
5/20/20190.72CNY-136.26 MCNY-2019 Q1
3/18/20190.71CNY-141.29 MCNY-2018 Q4
11/19/20180.41CNY-100.65 MCNY-2018 Q3

EESG©

Eulerpool ESG Scorecard© for the X Financial stock

38/100
43
Environment
22
Social
47
Governance
E

Environment

20
Scope 1 - Direct Emissions—
Scope 2 - Indirect emissions from purchased energy—
Scope 3 - Indirect emissions within the value chain—
Total CO₂ emissions—
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather—
Pesticides—
Palm Oil—
Tobacco
Genetically modified organisms
Climate concept—
Sustainable forestry—
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees—
Percentage of women in management—
Percentage of Asian employees—
Share of Asian management—
Percentage of Hispanic/Latino employees—
Hispano/Latino Management share—
Percentage of Black employees—
Black Management Share—
Percentage of white employees—
White Management Share—
Adult content
Alcohol
Weapons—
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept—
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

X Financial shareholder structure

% Name
0.34488%
ACADIAN ASSET MANAGEMENT LLC
ACADIAN ASSET MANAGEMENT LLC
0.21949%
TWO SIGMA INVESTMENTS, LP
TWO SIGMA INVESTMENTS, LP
0.21581%
QUBE RESEARCH & TECHNOLOGIES LTD
QUBE RESEARCH & TECHNOLOGIES LTD
0.16852%
O'SHAUGHNESSY ASSET MANAGEMENT, LLC
O'SHAUGHNESSY ASSET MANAGEMENT, LLC
0.14490%
TREXQUANT INVESTMENT LP
TREXQUANT INVESTMENT LP
0.13365%
MORGAN STANLEY
MORGAN STANLEY

X Financial Beneficial Ownership Filings (SEC 13D/G)

Free Float
35.1%
Float Shares
-
Shares Outstanding
-
StakeHolderFiling
49.01%
Yue (Justin) Tang
Yue (Justin) Tang
SEC ↗
45.75%
Yue Tang
Yue Tang
SEC ↗
42.11%
Rhone Trustees (Bahamas) Ltd. as trustee of the Mangrove Coast Trust
Rhone Trustees (Bahamas) Ltd. as trustee of the Mangrove Coast Trust
SEC ↗
42.11%
Mangrove Coast Investment Limited
Mangrove Coast Investment Limited
SEC ↗
12.50%
Deal Vanguard Limited
Deal Vanguard Limited
SEC ↗
12.50%
Chow Tai Fook (Holding) Limited
Chow Tai Fook (Holding) Limited
SEC ↗
12.50%
Chow Tai Fook Enterprises Limited
Chow Tai Fook Enterprises Limited
SEC ↗
10.00%
Legend Architecture Consultant Limited
Legend Architecture Consultant Limited
SEC ↗
9.30%
Baoguo Zhu
Baoguo Zhu
SEC ↗
9.30%
All Trade Base Investment Limited
All Trade Base Investment Limited
SEC ↗

X Financial Executives and Management Board

9 members · avg. age 53 · 11 % women

Management

YT

Mr. Yue Tang (54)

Chairman of the Board, Chief Executive Officer

–
KL

Mr. Kan Li (51)

President, Director · since 2017

–
FZ

Mr. Fuya Zheng (58)

Chief Financial Officer

–
JY

Mr. Jiang Yufan (41)

Chief Risk Officer

–
LB

Ms. Linda Bergkamp

Investor Relations · since 2020

–

Board of Directors

SC

Mr. Shaoyong Cheng (55)

Non-Executive Director · since 2017

–
ZW

Mr. Zheng Wan (51)

Independent Director

–
ZX

Mr. Zheng Xue (54)

Independent Director

–
LZ

Mr. Longgen Zhang (60)

Independent Director

–

X Financial Supply Chain

X Financial Supply Chain

Correlation: how closely stock prices move together

Same directionNo relationOpposite
1 companies
#NameTrend
1
Zhongan Online P&C Insurance H
Supplier·Insurance·CN
0.67
0.04
0.17
0.43
0.78
0.10

Frequently asked questions about X Financial

The business model of X Financial revolves around providing technology-driven personal finance solutions. As a leading online consumer finance platform in China, X Financial connects borrowers and investors through its proprietary technology platform. The company offers a range of loan products, including consumption loans, installment loans, and revolving credit line loans, to individuals looking for convenient and accessible financing options. Leveraging advanced risk management and data analytics capabilities, X Financial aims to provide efficient and inclusive financial services to underserved individuals. Through its robust platform and innovative approach, X Financial seeks to meet the evolving needs of its customers and drive financial inclusion in the digital era.

X Financial is primarily active in the financial technology (fintech) industry. As a leading online consumer finance platform in China, X Financial leverages advanced technology to provide efficient and convenient financial solutions to its users. The company specializes in offering a range of financial services, including loan facilitation, wealth management, and investment solutions. With its strong industry presence and technological expertise, X Financial is focused on revolutionizing the financial landscape and empowering individuals and businesses with innovative financial products and services.

Some of the main competitors of X Financial in the market include Company A, Company B, and Company C. These companies are also active in the financial industry and offer similar products and services as X Financial. However, X Financial sets itself apart with its unique features and offerings, such as its innovative platform and personalized customer experience. With its strong market presence and strategic positioning, X Financial continues to compete with these companies and maintain its reputation as a leading player in the industry.

X Financial is a leading online consumer finance platform in China. Founded in 2014, the company aims to provide convenient and efficient access to credit for under-served population. X Financial leverages its advanced risk management technology and big data analytics to assess creditworthiness and offer customized loan products to small business owners and individual borrowers. The company has successfully built a comprehensive online marketplace connecting investors and borrowers, facilitating financial inclusivity. With its commitment to innovation and customer-centric approach, X Financial has grown rapidly over years, becoming a trusted name in the fintech industry.

X Financial, a leading financial technology company, has achieved several significant milestones. Firstly, it successfully went public on the New York Stock Exchange (NYSE) in 2018, symbolizing its strong market presence and investor confidence. Additionally, X Financial has established strategic partnerships with renowned financial institutions, expanding its reach and enhancing its credibility. Furthermore, the company's robust financial performance is commendable, having recorded consistent revenue growth and maintaining a healthy loan portfolio. X Financial's commitment to technological innovation and customer-centric financial solutions has positioned it as a trailblazer in the industry. These achievements exemplify X Financial's status as a trusted and influential player in the financial technology sector.

X Financial is primarily present in China.

X Financial represents a set of core values and a strong corporate philosophy. The company is committed to providing innovative financial solutions that empower individuals and small businesses. With a customer-centric approach, X Financial aims to bridge the gap between traditional financial institutions and underserved customers, offering a convenient and inclusive platform for borrowers and investors. Through their advanced technology and data-driven insights, X Financial strives for transparency, efficiency, and trust. With a focus on risk management and compliance, the company prioritizes the protection of investors' interests and maintains a high level of integrity in all their operations.

8 analysts currently rate the X Financial stock: 0 recommend buying, 3 holding and 5 selling. For 2026, analysts expect X Financial to generate revenue of 3.75 B CNY and earnings per share of 4.58 CNY.

X Financial Analyst Price Targets 2026

Converted at the current exchange rate, the X Financial share trades at 0.60 EUR (4.64 CNY).

The X Financial share (XYF) is listed on 1 stock exchanges, including: NYSE (XYF).

The company X Financial is a versatile financial company based in China. The company offers various financial services that focus on the consumer market and asset management. One of the main divisions of the company is P2P lending. X Financial brings lenders and borrowers together on an online marketplace. Borrowers can apply for loans, and investors can invest their funds in various credit projects to generate returns. The company provides automated risk assessment and monitoring of borrowers, as well as fast loan disbursement. Another important division is asset management. This involves supporting clients in managing their assets. X Financial offers a robo-advisor platform based on artificial intelligence. Investment strategies are created and implemented using algorithms, thereby minimizing the human factor. Clients can choose between a conservative, balanced, or dynamic portfolio management strategy. Another offering from X Financial is microfinancing. Clients with low income or self-employed individuals can take out small loans and expand their business activities. The company also utilizes automated risk assessment and monitoring of borrowers, as well as fast loan disbursement in this area. For the consumer market, X Financial offers a credit card and a mobile wallet. The credit card can be accepted wherever Visa is accepted and provides quick and easy access to credit. With the mobile wallet, customers can pay bills and make deposits and withdrawals. X Financial works closely with banks and other financial institutions to provide its services. The company also aims to collaborate with insurance companies to offer more services to its customers in the future. The company also aims to expand into other markets and has set its sights on the US. It has established a subsidiary in Delaware to offer investment opportunities to American financial investors and investors in China. X Financial has also signed an agreement for a strategic partnership with China Merchants Bank to integrate its services into the bank. Although financial services are a heavily regulated sector, X Financial has built a strong regulatory and compliance platform to meet market requirements. The company has already obtained approvals from the China Banking Regulatory Commission, the China Securities Regulatory Commission, and the China Insurance Regulatory Commission. Overall, X Financial offers a wide range of financial products and services that enable customers to manage their finances more effectively and achieve higher returns. The company is well-positioned to grow in the market and build valuable partnerships.

The expected revenue of X Financial is 3.75 B CNY. This figure is based on current financial data and reflects the company's business performance.

The expected profit of X Financial is 1.34 B CNY. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of X Financial is currently 1.01. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the X Financial stock.

The price-to-sales ratio (P/S) of X Financial is currently 0.36. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the X Financial stock.

The Eulerpool Quality Score for X Financial is 4/10.

The ISIN of X Financial is US98372W2026. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of X Financial is A2QJBD. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of X Financial is XYF. The ticker symbol is used to trade X Financial shares on the stock exchange.

Over the past 12 months, X Financial paid a dividend of 0.34 CNY . This corresponds to a dividend yield of about 7.33 %. For the coming 12 months, X Financial is expected to pay a dividend of 0.76 CNY.

The current dividend yield of X Financial is 7.33 %.

X Financial pays a dividend, distributed in the months of , , , .

X Financial paid dividends every year for the past 3 years.

For the upcoming 12 months, dividends amounting to 0.76 CNY are expected. This corresponds to a dividend yield of 16.45 %.

X Financial is assigned to the 'Finance' sector.

To receive the latest dividend of X Financial from amounting to 0.28 CNY, you needed to have the stock in your portfolio before the ex-date on .

The last dividend was paid out on .

In the year 2025, X Financial distributed 0.34 CNY as dividends.

The dividends of X Financial are distributed in CNY.

All fundamentals and in-depth analysis of X Financial

Our stock analysis for X Financial stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of X Financial. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.

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