X Financial (XYF) stock
Close on Nov 12, 2026Market cap $429.95MP/E 1.0Yield –
X Financial grew revenue 30.1% to CN¥7.64B over fiscal 2025. Operating income fell 13.0% to CN¥1.63B, moving the operating margin from 31.9% to 21.3%. Free cash flow was CN¥1.45B, down 4.2% from a year earlier. At the latest close the market valued the company at CN¥2.87B, 1.0 times its earnings.
Key statistics
Valuation at the latest close; fundamentals over fiscal 2025, balances at Dec 31, 2025
Valuation
- Market cap
- CN¥2.87B
- P/E ratio
- 1.0
- Price to sales
- 0.38
- Price to book
- 0.37
- Dividend yield
- –
- Free cash flow yield
- 50.37%
Fundamentals
- Revenue
- CN¥7.64B
- Net income
- CN¥1.46B
- EPS, diluted
- 5.87 CNY
- Free cash flow
- CN¥1.45B
Trading
- Previous close
- $5.51
- Open
- $5.41
- Day's range
- $5.41 – $5.63
- Volume
- 123,517
- Average volume (20 days)
- 77,993
- Beta (5 years)
- 0.67
- RSI (14 days)
- 59.0
- Volatility (1 year)
- 62.3%
- Relative volume
- 1.99×
- WACC
- 7.9%
Market cap history
Month-end market cap since 2018, using shares outstanding reported at the time
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 12, 2026. The S&P 500 is measured by the SPY fund.
| Period | XYF | S&P 500 | Difference | XYF per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +8.7% | -2.7% | +11.4 pts | ||
| 3 months | +10.6% | -1.7% | +12.3 pts | ||
| Year to date | +9.7% | +11.9% | −2.2 pts | ||
| 1 year | -48.8% | +12.0% | −60.8 pts | ||
| 3 years | +58.8% | +78.2% | −19.3 pts | +16.7% | +21.2% |
| 5 years | +41.3% | +73.2% | −31.9 pts | +7.2% | +11.6% |
Eleven years at a glance
Fiscal years 2015 to 2025, CNY
Revenue
Gross profit
Operating income
Net income
EPS, diluted
Free cash flow
Press releases
Releases X Financial filed with the SEC as exhibits to Form 8-K or 6-K
- 6-K
- 6-K
- 6-K
- 6-K
- 6-K
- 6-K
About X Financial
Finance Services
X Financial operates a personal finance and loan facilitation platform in mainland China. The company connects individual borrowers with institutional funding partners and licensed financial institutions using data analysis and risk modeling. Its primary offering is the Xiaoying Credit Loan category, centered on the flagship Xiaoying Card Loan, which provides unsecured personal credit lines with monthly installment terms. The company also provides financing guarantee services and post-origination loan support. Its customer base consists primarily of young consumers and prime individual borrowers seeking supplemental credit for personal consumption needs.
Company profile, executives and historyX Financial stock: common questions
What is X Financial's stock price?
XYF closed at $5.50 on Nov 12, 2026, down 0.18% on the day.
What is X Financial's market cap?
X Financial was worth $429.95M at the close on Nov 12, 2026: the share price times the diluted shares outstanding.
What is XYF's P/E ratio?
XYF trades at 1.0 times earnings, based on diluted earnings per share of 5.87 CNY over fiscal 2025.
How much revenue does X Financial make?
X Financial reported revenue of CN¥7.64B for fiscal 2025, up 30.1% from a year earlier.
Does X Financial pay a dividend?
No. X Financial has not paid a cash dividend over the last twelve months.
How has XYF stock performed over the past year?
Including dividends, XYF returned -48.8% over the past year, against +12.0% for the S&P 500.
Who are X Financial's competitors?
Companies most similar to X Financial by business, industry and size include JFIN, LX, YRD, LU, QFIN.
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