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. Over the past year X Financial shares have lost 73.4%. The stock trades about 36% above its 52-week low.

X Financial stock price

Volume
Ex-Dividend
Details

Stock Price

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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
7/31/202514.39 CNY
7/30/202514.21 CNY
7/29/202514.60 CNY
7/28/202513.90 CNY
7/24/202516.02 CNY
7/23/202517.47 CNY
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X Financial Revenue, EBIT, Net Income

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Revenue
EBIT
Net Income
Details
Date
Revenue
EBIT
Net Income
Jan 1, 2017
1.79 B CNY
501.69 M CNY
340.28 M CNY
Jan 1, 2018
3.54 B CNY
1.28 B CNY
883.11 M CNY
Jan 1, 2019
3.09 B CNY
812.58 M CNY
774.28 M CNY
Jan 1, 2020
2.19 B CNY
-470.32 M CNY
-1.31 B CNY
Jan 1, 2021
3.63 B CNY
1.31 B CNY
825.41 M CNY
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

X Financial Income Statement, Balance Sheet, Cash Flow Statement

Last updated Jul 23, 2026, 7:06 PM
 
REVENUEB CNY
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEB CNY
EBITB CNY
EBIT MARGIN%
NET INCOMEB CNY
NET INCOME GROWTH%
DIV.CNY
SHARESM
201620172018201920202021202220232024
0.231.793.543.092.193.633.564.815.87
–676.5298.21-12.77-29.0265.42-1.7735.1521.96
-12.1757.4566.5047.055.5245.8640.3140.4070.40
-0.031.032.351.450.121.661.441.954.13
-0.140.501.280.81-0.471.311.081.443.46
-59.1328.0536.0226.30-21.4436.1630.3829.8558.85
-0.120.340.880.77-1.310.830.811.191.54
–-385.71159.71-12.34-268.99-163.07-1.7046.2429.76
–––0.10––––0.34
302.09302.09303.61319.75321.24336.88322.40290.83293.36
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

  • 10 Years

  • 25 Years

  • Max

Gross margin
EBIT margin
Profit margin
Details
Date
Gross margin
EBIT margin
Profit margin
Jan 1, 2017
57.46 %
28.08 %
19.04 %
Jan 1, 2018
66.50 %
36.02 %
24.94 %
Jan 1, 2019
47.06 %
26.31 %
25.07 %
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 %

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, 2017
5.92 CNY
1.66 CNY
1.13 CNY
Jan 1, 2018
11.66 CNY
4.20 CNY
2.91 CNY
Jan 1, 2019
9.66 CNY
2.54 CNY
2.42 CNY
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

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 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

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2017
302.09 M Stocks
Jan 1, 2018
303.61 M Stocks
Jan 1, 2019
319.75 M 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

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 payout ratio

  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Payout ratio
Details
Date
Payout ratio
Jan 1, 2017
52.03 %
Jan 1, 2018
52.03 %
Jan 1, 2019
83.98 %
Jan 1, 2020
52.03 %
Jan 1, 2021
41.38 %
Jan 1, 2022
37.83 %
Jan 1, 2023
28.23 %
Jan 1, 2024
43.87 %
Price targets and forecasts for X Financial are not yet available.

X Financial Earnings Estimates

DateEPS estimateRevenue EstimateQuarterly report
6/29/20200.29CNY-CNY2020 Q1
4/27/20200.34CNY-CNY2019 Q4
11/20/20190.71CNY-CNY2019 Q3
8/18/20190.69CNY-CNY2019 Q2
5/20/20190.72CNY136.26 MCNY2019 Q1
3/18/20190.71CNY141.29 MCNY2018 Q4
11/19/20180.41CNY100.65 MCNY2018 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
2.92689%
Nexus Special Situations Fund SPC
Nexus Special Situations Fund SPC
0.99134%
Tang (Yue Justin)
Tang (Yue Justin)
0.34304%
Morgan Stanley & Co. LLC
Morgan Stanley & Co. LLC
0.33397%
Acadian Asset Management LLC
Acadian Asset Management LLC
0.33033%
Purple Mountain Holding
Purple Mountain Holding
0.32616%
Hel Ved Capital Management Limited
Hel Ved Capital Management Limited

X Financial Executives and Management Board

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

SC

Mr. Shaoyong Cheng

(55)

Non-Executive Director · since 2017

X Financial Supply Chain

X Financial Supply Chain

Correlation: how closely stock prices move together

Same directionNo relationOpposite
1 companies
#Name1M3M6M1Y2YTrend
1
Zhongan Online P&C Insurance H
Supplier
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.

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.

X Financial Stock
X Financial Revenue→
X Financial Stock
X Financial Net Income→
X Financial Stock
X Financial P/E→
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X Financial P/S→
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X Financial EBIT→
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X Financial Dividend→
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X Financial Directors Dealings→
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X Financial Market capitalization→
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X Financial Debt→
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X Financial Liabilities→
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X Financial Equity→
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X Financial AAQS→
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X Financial Employees→
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X Financial ROE→
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X Financial ROA→
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X Financial ROCE→
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X Financial News→
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X Financial Analyst Price Targets→

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