X Financial (XYF) Stock Price
X Financial Price
X Financial (XYF) Stock | ISIN US98372W2026 | WKN A2QJBD. The current X Financial stock price is 4.71 CNY (2026). Market capitalization is 368.04 M CNY. X Financial operates in the Finance sector.
X Financial stock price
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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.
| Date | X Financial Price |
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X Financial Revenue, EBIT, Net Income
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X Financial Income Statement, Balance Sheet, Cash Flow Statement
| REVENUE (M CNY) |
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| REVENUE GROWTH (%) |
| GROSS MARGIN (%) |
| GROSS INCOME (M CNY) |
| NET INCOME (M CNY) |
| NET INCOME GROWTH (%) |
| SHARES (M) |
| DOCUMENTS |
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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
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X Financial Stock Revenue, EBIT, Earnings per Share
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X Financial business model & stock analysis
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 Eulerpool Fair Value
X Financial historical P/E ratio, EBIT multiple, and P/S ratio
X Financial annual returns
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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
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X Financial Dividend History
4 years of dividend payments · 3 consecutive increases
X Financial dividend payout ratio
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X Financial Earnings Estimates
X Financial Earnings Estimates
| Date | EPS estimate | Revenue Estimate | Quarterly report |
|---|---|---|---|
| 6/29/2020 | 0.29CNY | -CNY | 2020 Q1 |
| 4/27/2020 | 0.34CNY | -CNY | 2019 Q4 |
| 11/20/2019 | 0.71CNY | -CNY | 2019 Q3 |
| 8/18/2019 | 0.69CNY | -CNY | 2019 Q2 |
| 5/20/2019 | 0.72CNY | 136.26 MCNY | 2019 Q1 |
| 3/18/2019 | 0.71CNY | 141.29 MCNY | 2018 Q4 |
| 11/19/2018 | 0.41CNY | 100.65 MCNY | 2018 Q3 |
EESG©
Eulerpool ESG Scorecard© for the X Financial stock
EEnvironment
20
Environment
SSocial
20
Social
GGovernance (Corporate Governance)
4
Governance (Corporate Governance)
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X Financial shareholder structure
| % | Name |
|---|---|
2.92689% | |
0.99134% | |
0.34304% | |
0.33397% | |
0.33033% | |
0.32616% | |
0.26349% | |
0.26314% | |
0.10747% | |
0.09489% |
X Financial Executives and Management Board
Mr. Yue Tang
(54)Chairman of the Board, Chief Executive Officer
Mr. Kan Li
(51)President, Director · since 2017
Mr. Fuya Zheng
(58)Chief Financial Officer
Mr. Jiang Yufan
(41)Chief Risk Officer
Mr. Shaoyong Cheng
(55)Non-Executive Director · since 2017
X Financial Supply Chain
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 stock
X Financial Peer Group
X Financial Ticker
X Financial FIGI
All fundamentals and in-depth analysis of X Financial
Our stock analysis for X Financial Revenue 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 Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.