X Financial (XYF) Stock Overview
Operates as an online personal finance company in the People's Republic of China. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 0/6 |
| Past Performance | 3/6 |
| Financial Health | 5/6 |
| Dividends | 3/6 |
XYF Community Fair Values
Create NarrativeSee what 8 others think this stock is worth. Follow their fair value or set your own to get alerts.
X Financial Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$19.01 |
| 52 Week High | US$19.80 |
| 52 Week Low | US$3.78 |
| Beta | 0.20 |
| 1 Month Change | -2.96% |
| 3 Month Change | 58.28% |
| 1 Year Change | 342.61% |
| 3 Year Change | 611.98% |
| 5 Year Change | 553.26% |
| Change since IPO | -47.06% |
Recent News & Updates
Here's Why We Think X Financial (NYSE:XYF) Is Well Worth Watching
Jun 19
X Financial: Stock Quadruples In 12 Months, Still An Asymmetric Bet
Jun 07X Financial (NYSE:XYF) Soars 27% But It's A Story Of Risk Vs Reward
May 16Recent updates
Here's Why We Think X Financial (NYSE:XYF) Is Well Worth Watching
Jun 19X Financial: Stock Quadruples In 12 Months, Still An Asymmetric Bet
Jun 07X Financial (NYSE:XYF) Soars 27% But It's A Story Of Risk Vs Reward
May 16X Financial: Why The Trip Upwards Is Likely Not Over
Mar 12Market Might Still Lack Some Conviction On X Financial (NYSE:XYF) Even After 28% Share Price Boost
Feb 19Investors Still Aren't Entirely Convinced By X Financial's (NYSE:XYF) Earnings Despite 29% Price Jump
Dec 10X Financial's (NYSE:XYF) Share Price Is Matching Sentiment Around Its Revenues
Sep 26Should You Be Adding X Financial (NYSE:XYF) To Your Watchlist Today?
Mar 28X Financial Resumes Growth As Regulatory Risks Abate
Oct 25Here's Why X Financial (NYSE:XYF) Has Caught The Eye Of Investors
Oct 05Investors Aren't Buying X Financial's (NYSE:XYF) Revenues
Aug 01X Financial Non-GAAP EPADS of $0.61, revenue of $125.76M
Nov 16X Financial increases share repurchase program to $20M
Sep 30X Financial Non-GAAP EPS of $0.56, revenue of $123.1M
Aug 08What Type Of Shareholders Make Up X Financial's (NYSE:XYF) Share Registry?
Feb 03
Shareholder Returns
| XYF | US Consumer Finance | US Market | |
|---|---|---|---|
| 7D | 14.9% | 4.1% | 1.8% |
| 1Y | 342.6% | 41.9% | 13.7% |
Return vs Industry: XYF exceeded the US Consumer Finance industry which returned 41.9% over the past year.
Return vs Market: XYF exceeded the US Market which returned 13.7% over the past year.
Price Volatility
| XYF volatility | |
|---|---|
| XYF Average Weekly Movement | 10.8% |
| Consumer Finance Industry Average Movement | 7.3% |
| Market Average Movement | 7.3% |
| 10% most volatile stocks in US Market | 17.2% |
| 10% least volatile stocks in US Market | 3.7% |
Stable Share Price: XYF has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: XYF's weekly volatility (11%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2014 | 563 | Justin Tang | ir.xiaoyinggroup.com |
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.
X Financial Fundamentals Summary
| XYF fundamental statistics | |
|---|---|
| Market cap | US$802.40m |
| Earnings (TTM) | US$228.19m |
| Revenue (TTM) | US$921.39m |
Is XYF overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| XYF income statement (TTM) | |
|---|---|
| Revenue | CN¥6.60b |
| Cost of Revenue | CN¥2.01b |
| Gross Profit | CN¥4.59b |
| Other Expenses | CN¥2.96b |
| Earnings | CN¥1.63b |
Last Reported Earnings
Mar 31, 2025
Next Earnings Date
n/a
| Earnings per share (EPS) | 38.73 |
| Gross Margin | 69.59% |
| Net Profit Margin | 24.77% |
| Debt/Equity Ratio | 8.1% |
How did XYF perform over the long term?
See historical performance and comparisonDividends
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/07/06 19:43 |
| End of Day Share Price | 2025/07/03 00:00 |
| Earnings | 2025/03/31 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
X Financial is covered by 3 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Jacky Zuo | Deutsche Bank |
| Ran Xu | Morgan Stanley |
| John Cai | Morgan Stanley |