Company Overview
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.
Why Investors Should Care
Return on capital employed stands at 18.5%.
Net profit has compounded at 21.7% per year over the last five years.
Revenue has grown at a 28.9% CAGR over the past five years.
Trades at a P/E of 1.3, below the sector median of 13.7.
Maintains a net profit margin of 15.2%.
Offers a dividend yield of 11.34%.
Recent Developments
- Dec 2025 Revenue of $7.64B (+30.1% YoY); net profit $1.46B.
- Trailing 12 Months Year-on-year growth — revenue -39.3%, earnings -90.9%.
- 5-Year Trend Long-term compounding — revenue CAGR 28.9%, profit CAGR 21.7%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 28.95% |
| 1 Year: | -39.30% |
Compounded Profit Growth
| 5 Years: | 21.73% |
| 1 Year: | -90.90% |
Stock Price Performance
| 1 Year: | -63.07% |
| 6 Months: | +0.51% |
| 3 Months: | +4.66% |
| 1 Month: | +0.82% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMABelow
- RSI (14)54.82 · Neutral
P/E of 1.30 is below the sector median of 13.68 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Compounding revenue at 28.9% over 5 years.
- Profit CAGR of 21.7% over 5 years.
- Attractive dividend yield of 11.34%.
- Generates positive free cash flow.
CONS
- Trading 66.8% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | XYF X Financial | 4.94 | 1.30 | $190.27M | 11.34% | 18.52% | 13.74% | 28.95% | 21.73% |
| 2 | JPM JPMorgan Chase & Co. SPX | 351.79 | 16.85 | $942.63B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 511.54 | 15.23 | $715.29B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 366.13 | 31.95 | $607.67B | 0.75% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 573.10 | 33.18 | $502.63B | 0.65% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 61.95 | 15.37 | $434.76B | 1.88% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 210.42 | 19.06 | $331.89B | 1.76% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,018.38 | 15.73 | $300.43B | 1.58% | - | 16.95% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 86.45 | 13.36 | $264.55B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Revenue | - | 1.94B | 2.27B | 1.96B | 1.47B | 1.18B |
| Cost of Revenue | - | 479.37M | 513.97M | 527.47M | 524.23M | 487.43M |
| Gross Profit | - | 1.46B | 1.76B | 1.43B | 943.61M | 688.71M |
| Operating Expenses | - | 896.29M | 1.09B | 1.07B | 927.58M | 549.78M |
| Operating Income | - | 561.85M | 665.48M | 365.59M | 16.03M | 138.93M |
| EBITDA | - | 561.85M | 665.48M | 365.59M | 16.03M | 138.93M |
| Interest Expense | 503.70M | 709.01M | 756.26M | 524.94M | - | - |
| Pretax Income | - | 555.96M | 665.98M | 496.80M | 31.25M | 136.84M |
| Tax Provision | - | 116.53M | 110.80M | 80.18M | -15.85M | 72.20M |
| Net Income | - | 458.13M | 528.02M | 421.24M | 57.17M | 37.95M |
| Diluted EPS | - | 10.56 | 12.00 | 10.08 | 1.44 | 0.96 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | - | 3.56B | 4.81B | 5.87B | 7.64B |
| Cost of Revenue | - | 1.34B | 1.57B | 1.76B | 2.04B |
| Gross Profit | - | 2.23B | 3.24B | 4.11B | 5.60B |
| Operating Expenses | - | 1.14B | 1.83B | 2.26B | 3.99B |
| Operating Income | - | 1.08B | 1.41B | 1.85B | 1.61B |
| EBITDA | - | 1.09B | 1.41B | 1.86B | 1.63B |
| Interest Expense | - | 833.11M | 1.37B | 1.58B | - |
| Pretax Income | - | 1.22B | 1.47B | 1.89B | 1.75B |
| Tax Provision | - | 396.07M | 261.13M | 405.70M | 291.65M |
| Net Income | - | 812.00M | 1.19B | 1.54B | 1.46B |
| Diluted EPS | - | 15.12 | 24.48 | 31.50 | 35.22 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Total Assets | - | 8.84B | 11.65B | 11.82B | 14.67B |
| Current Assets | - | 7.95B | 10.31B | 10.51B | 12.34B |
| Cash & Equivalents | - | 602.27M | 1.20B | 984.61M | 987.63M |
| Inventory | - | - | - | - | - |
| Receivables | - | 1.16B | 1.66B | 2.03B | 3.15B |
| Total Liabilities | - | 4.08B | 5.80B | 4.87B | 6.83B |
| Current Liabilities | - | 3.91B | 5.66B | 4.57B | 5.95B |
| Long Term Debt | - | - | 61.91M | 187.64M | 748.31M |
| Total Debt | - | 81.51M | 639.76M | 528.87M | 1.17B |
| Total Equity | - | 4.75B | 5.85B | 6.95B | 7.84B |
| Shares Outstanding | - | 329.12M | 329.12M | 329.12M | 329.12M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 626.78M | 1.39B | 1.52B | 1.47B |
| Investing Cash Flow | - | -1.22B | -1.68B | 122.03M | -1.07B |
| Financing Cash Flow | - | 576.35M | 1.23B | -1.94B | 79.24M |
| Capital Expenditure | - | -6.06M | -8.47M | -14.22M | -21.88M |
| Free Cash Flow | - | 620.73M | 1.38B | 1.51B | 1.45B |
| Net Change in Cash | - | -14.33M | 935.26M | -289.76M | 480.50M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Gross Margin % | - | 62.5% | 67.3% | 70.0% | 73.3% |
| Operating Margin % | - | 30.4% | 29.2% | 31.5% | 21.1% |
| Net Margin % | - | 22.8% | 24.6% | 26.2% | 19.2% |
| ROE % | - | 17.1% | 20.3% | 22.1% | 18.7% |
| ROCE % | - | 22.0% | 23.5% | 25.5% | 18.5% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Acadian Asset Management. LLC | 1.21% | 269.49K | $1.33M |
| 2 | Two Sigma Investments, LP | 0.77% | 171.51K | $847.26K |
| 3 | Qube Research & Technologies Ltd | 0.76% | 168.63K | $833.04K |
| 4 | O'Shaughnessy Asset Management LLC | 0.59% | 131.68K | $650.52K |
| 5 | Trexquant Investment, LP | 0.51% | 113.22K | $559.32K |
| 6 | Morgan Stanley | 0.47% | 104.43K | $515.90K |
| 7 | Renaissance Technologies, LLC | 0.38% | 85.04K | $420.10K |
| 8 | UBS Group AG | 0.20% | 44.06K | $217.64K |
| 9 | GSA Capital Partners LLP | 0.18% | 39.28K | $194.04K |
| 10 | RAMSEY QUANTITATIVE SYSTEMS | 0.13% | 27.84K | $137.52K |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for XYF
XYF — Frequently Asked Questions
What is the current share price of X Financial (XYF)?
As of 2026-08-02 19:16 PDT, X Financial (XYF) trades at $4.94 on NYSE. Its 52-week range is $3.22 to $14.86.
What is the market capitalisation of XYF?
X Financial (XYF) has a market capitalisation of $190.27M on NYSE.
What is the P/E ratio of XYF?
XYF trades at a trailing price-to-earnings (P/E) ratio of 1.30. The industry average P/E is 13.68. Its price-to-book (P/B) ratio is 0.17.
Does XYF pay a dividend?
X Financial (XYF) currently offers a dividend yield of 11.34%.
What is the return on equity (ROE) of XYF?
XYF has a return on equity (ROE) of 13.74%. Its return on capital employed (ROCE) is 18.52%.
Is XYF a good stock to buy?
This page provides a data-driven analysis of X Financial (XYF), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.