OakChart

X Financial ADR

XYFFinancial·Credit Services·China·Micro·NYSE·Nov 10 • 3:59 PM ET

5.340.00 (0.00%)
2026-11-11 15:19 CET
Market cap
121.86 USD m
Revenue, TTM
796.81 USD m
Net income, TTM
79.30 USD m
Free cash flow, TTM
- USD m
EPS diluted, TTM
1.93
P/E
2.77
Compare

Price

XYF against its 20, 50 and 200-day averages
2050200
4.006.008.00218K437KMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26XYFclose 5.3420-day 4.9850-day 5.10200-day 4.955.34

58.4% under 12.85 on 3 Nov 2025. Last 15 sessions, 26.0% high to low

Profile

XYF
52-week range, 23% of the way up
3.3012.31

X Financial operates as an online personal finance company that develops and provides a technology platform for personal finance services. It is committed to connecting borrowers on its platform with its institutional funding partners. The company was founded by Yue Tang and Baoguo Zhu on January 5, 2015 and is headquartered in Shenzhen, China.

Employees643
IPOSep 19, 2018
Beta0.37
ATR, 14d0.33
Rel volume0.00
Inst own4.13%

Snapshot

6 groups

Valuation

Index-
Market Cap121.86M
Enterprise Value-238.64M
Income79.30M
Sales796.81M
Book/sh29.24
Cash/sh18.36
Dividend Est.-
Dividend TTM0.56 (10.49%)
Dividend Ex-DateSep 10, 2026
Dividend Gr. 3/5Y- -
Payout11.11%
Employees643
IPOSep 19, 2018

Ratios

P/E2.77
Forward P/E-
PEG-
P/S0.15
P/B0.18
P/C0.29
P/FCF-
EV/EBITDA-
EV/Sales-0.30
Quick Ratio1.22
Current Ratio1.22
Debt/Eq0.05
LT Debt/Eq0.00
Option/ShortNo / Yes

Earnings

EPS (ttm)1.93
EPS next Y-
EPS next Q-
EPS this Y-
EPS next Y-
EPS next 5Y-
EPS past 3/5Y29.73% -
Sales past 3/5Y26.17% 27.14%
EPS Y/Y TTM-63.32%
Sales Y/Y TTM-23.31%
EPS Q/Q-89.03%
Sales Q/Q-53.55%
EarningsAug 24 BMO
EPS/Sales Surpr.- -

Ownership

Insider Own-
Insider Trans-
Inst Own4.13%
Inst Trans-24.08%
ROA4.29%
ROE7.14%
ROIC6.94%
Gross Margin65.25%
Oper. Margin12.85%
Profit Margin9.95%
SMA207.20%
SMA504.67%
SMA2007.89%
Trades-

Technical

Shs Outstand22.82M
Shs Float-
Short Float-
Short Ratio1.07
Short Interest0.07M
52W High12.31 -56.62%
52W Low3.30 61.82%
Volatility9.68% 5.15%
ATR (14)0.33
RSI (14)56.16
Beta0.37
Rel Volume0.00
Avg Volume68.21K
Volume0

Performance

Perf Week9.88%
Perf Month5.53%
Perf Quarter1.91%
Perf Half Y11.25%
Perf YTD-4.64%
Perf Year-56.66%
Perf 3Y25.65%
Perf 5Y22.35%
Perf 10Y-
Recom3.00
Target Price5.10
Prev Close5.34
Price5.34
Change %0.00%

Analyst ratings

latest 1 of 1
DateActionAnalystRating changeTargetImplied
Oct 15, 2018InitiatedMMorgan StanleyEqual-Weight

Peers

Mkt cap
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YRDYiren Digital Ltd ADR30.57M
JFINJiayin Group Inc ADR35.72M
LULufax Holding Ltd ADR610.43M
HTTHigh Templar Tech Ltd ADR158.42M
SNTGSentage Holdings Inc4.60M
TROOTROOPS Inc240.66M
DXFEason Technology Ltd ADR0.90M

Insider trading

2 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Wan ZhengDirectorJun 15 '26Proposed Sale5.0530,000151,500Jun 12 03:50 PM
Cheng ShaoyongDirectorDec 01 '25Proposed Sale11.8310,000118,300Nov 14 09:03 AM

Held by

AUM
TickerCompanyAUM
APIEActivePassive International Equity ETFAUM: 1.13B
AVEMAvantis Emerging Markets Equity ETFAUM: 26.77B

News

latest 14 of 206
  • X Financial (XYF) (Q2 2026) Earnings Call Highlights: Revenue Declines 56% Amid Strategic ... (GuruFocus.com)
  • X Financial Reports Second Quarter 2026 Unaudited Financial Results (PR Newswire)
  • X Financial to Report Second Quarter 2026 Financial Results on August 24, 2026 (PR Newswire)
  • X Financial Announces Leadership Change (PR Newswire) -5.05%
  • X Financial (XYF) Q1 2026 Earnings Call Highlights: Navigating Challenges with Improved Margins ... (GuruFocus.com)
  • Loading…
  • X Financial Reports First Quarter 2026 Unaudited Financial Results (PR Newswire) +10.18%
  • X Financial to Report First Quarter 2026 Financial Results on May 28, 2026 (PR Newswire) +5.47%
  • X Financial Files Annual Report on Form 20-F for Fiscal Year 2025 (PR Newswire)
  • X Financial (XYF) Q4 2025 Earnings Call Highlights: Navigating Challenges with Strategic Adjustments (GuruFocus.com) -26.19%
  • X Financial Reports Fourth Quarter and Fiscal Year 2025 Unaudited Financial Results (PR Newswire)
  • X Financial to Report Fourth Quarter and Fiscal Year 2025 Financial Results on March 26, 2026 (PR Newswire) -8.09%
  • X Financial (XYF) Q3 2025 Earnings Call Highlights: Navigating Growth Amidst Regulatory Challenges (GuruFocus.com)
  • X Financial (NYSE: XYF) Reports Q3 2025 Results: Revenue +23.9% YoY, Sequential Decline Amid Rising Credit Costs and Moderating Borrower Activity (PR Newswire) -6.18% -15.70%

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2021Q22021-08-090.610-0.610144.41--
2021Q12021-06-160.530-0.536138.34--
2020Q42021-04-26-1.880-1.880-1.843109.78109.781
2020Q32020-12-02-0.310--0.30582.45--
2020Q22020-08-21-0.900--0.90754.90-1
2020Q12020-06-29-0.4200.284-0.526---
2019Q42020-04-270.3000.3340.208--1
2019Q32019-11-200.350-0.348123.16--
2019Q22019-08-190.8100.6660.821117.93-1
2018Q42019-08-180.7500.7000.654125.5139.2-
2018Q32018-11-200.6000.4040.575120.7798.74-
2018Q22018-11-190.903-0.938---

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2018FY1.260-2.634514.96-
2019FY2.1002.1812.103443.57468.06
2020FY-3.740--3.541336.09-

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
No estimate revisions.

Estimate history

EPS, annual0.9892.6342.103-3.5412.2792.2443.4564.3764.91.9293
Period201720182019202020212022202320242025TTM
EPS, quarterly1.1451.0761.1151.4481.6591.4050.2030.1390.182
PeriodQ2 '24Q3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26
Sales, annual264.338535.077446.905319.948562.299529.121679.586815.8861062.736796.81
Period201720182019202020212022202320242025TTM
Sales, quarterly189.529220.782237.68266.26314.256273.971207.017169.857145.964
PeriodQ2 '24Q3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26
Shares, annual34.63134.33637.17837.58638.58624.85332.65925.51322.8222.82
Period201720182019202020212022202320242025MRQ
Shares, quarterly33.17233.17225.51325.51325.51325.51322.8222.8222.82
PeriodQ2 '24Q3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Total Revenue796.811,062.74815.89679.59529.12562.30319.95446.91535.08
Total Expenses694.44696.68521.94463.69350.95386.55556.97355.68370.86
Operating Income102.37366.05293.95215.90178.18175.74-237.0291.23164.21
Unusual Expense1.20139.2933.5916.133.230.00-1.81-
Net Income Before Taxes125.89243.44263.22198.04181.69184.64-232.0396.08163.96
Income Taxes27.4140.5756.3735.2157.8257.17-43.45-13.4731.72
Consolidated Net Income79.30203.74213.97167.51120.59127.98-189.57112.08133.45
Net Income From Continuing Operations79.30203.74213.97167.51120.59127.98-189.58112.05133.46
Net Income79.30203.74213.97167.51120.59127.98-189.58112.05133.46
EPS (Recurring)2.117.244.863.692.292.28-3.542.132.63
EPS (Basic, Before Extraordinaries)2.015.014.443.492.292.33-3.542.142.79
EPS (Diluted)1.934.904.383.462.242.28-3.542.102.63
Non-Operating Income (Expense)25.2519.302.932.876.748.894.996.67-0.25
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense-6.704.414.755.9610.281.0416.3819.48
Price To Earnings Ratio2.772.772.211.011.531.22-2.394.58
Price To Sales Ratio0.230.220.500.260.310.300.330.601.21
Gross Margin65.2573.5570.4040.4040.3145.876.2046.6966.23
Operating Margin12.8534.4436.0331.7733.6731.25-74.0820.4130.69
Net Margin9.9519.1726.2324.6522.7922.76-59.2525.0724.94
Shares Outstanding22.8222.8225.5132.6624.8538.5937.5937.1834.34
Market Capitalization121.86121.86276.3290.9693.60111.66214.45181.21422.85

Income statement, quarterly

Currency USD, millions
Metric2026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q3
Total Revenue145.96169.86207.02273.97314.26266.26237.68220.78
Total Expenses117.32149.54204.17223.40220.93187.53164.62149.77
Operating Income28.6420.312.8550.5793.3378.7373.0671.01
Unusual Expense0.230.970.000.000.000.000.000.00
Net Income Before Taxes32.3219.764.4169.4192.0776.4075.2366.06
Income Taxes8.0110.43-2.2411.2015.3216.0120.9714.00
Consolidated Net Income6.905.488.0658.8573.0062.9653.6452.44
Net Income From Continuing Operations6.905.488.0658.8573.0062.9653.6452.44
Net Income6.905.488.0658.8573.0062.9653.6452.44
EPS (Recurring)0.190.160.201.411.661.451.121.08
EPS (Basic, Before Extraordinaries)0.180.140.211.481.741.501.141.10
EPS (Diluted)0.180.140.201.411.661.451.121.08
Non-Operating Income (Expense)4.130.721.5618.84-1.25-1.952.17-4.95
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense--1.00---1.11-
Price To Earnings Ratio2.770.871.002.603.653.302.211.80
Price To Sales Ratio0.230.170.210.530.740.680.490.43
Gross Margin57.6358.7365.5773.1077.3975.5574.3171.09
Operating Margin19.6211.961.3818.4629.7029.5730.7432.16
Net Margin4.733.233.8921.4823.2323.6522.5723.75
Shares Outstanding22.8222.8222.8225.5125.5125.5125.5133.17
Market Capitalization121.86105.11142.87351.06445.46477.35276.32218.94

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Short Term Investments550.53495.90514.21399.51391.07384.18218.26186.10105.03
Short Term Receivables452.20280.50237.48172.60146.65114.46110.71203.81171.88
Investment Securities0.000.000.000.000.000.000.000.000.00
Securities In Custody0.000.000.000.000.000.000.000.000.00
Investments1,009.89800.20854.19648.63494.38287.02199.72112.678.32
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Net Property, Plant & Equipment9.837.558.369.864.928.622.893.383.23
Deferred Tax Assets65.1627.0919.1712.7243.1392.6166.8250.4945.46
Other Intangible Assets11.058.019.2527.9871.94259.63590.38118.93263.08
Total Assets2,098.661,619.251,642.651,271.301,152.101,146.521,188.77675.38597.00
Total Debt65.1450.5286.7719.0929.9560.402.9028.848.95
Long Term Debt4.983.775.307.361.894.220.000.000.00
Provision for Risks Charges0.000.000.000.000.001.502.513.0483.72
Deferred Tax Liabilities9.979.044.240.10--0.196.91-
Other Liabilities902.11607.11727.20568.35498.17614.26556.23124.18233.22
Total Liabilities977.22666.66818.21587.54528.11676.16561.83162.97325.88
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity1,121.44952.58824.44683.75623.99470.16626.77512.26270.63
Total Shareholders Equity1,121.44952.58824.44683.75623.99470.16626.77512.26270.63
Accumulated Minority Interest0.000.000.000.000.000.200.180.150.49
Total Equity1,121.44952.58824.44683.75623.99470.36626.94512.41271.12
Total Liabilities & Stockholders Equity2,098.661,619.251,642.651,271.301,152.101,146.521,188.77675.38597.00
Book Value Per Share28.6922.8016.8516.6311.388.7311.7310.125.32
Tangible Book Value Per Share48.9037.1425.0927.3016.0212.3616.7214.807.81
Full-Time Employees643563521461424457693744722
Price to Book Ratio0.180.420.190.220.180.150.421.221.31
Return on Assets10.9613.1211.509.9511.14-16.2412.0220.9812.00
Return on Equity19.6524.0822.2118.4423.39-34.5719.6834.0931.06
Return on Invested Capital18.0922.3720.1917.4520.45-39.9617.8826.0518.60
Quick Ratio1.281.290.961.031.250.790.943.051.35
Current Ratio1.281.290.961.031.250.790.943.051.35

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations-381.06277.68204.35171.50243.9229.56182.04253.78
Extraordinary Item-0.000.000.000.000.000.000.000.00
Changes in Working Capital--135.56-17.82-99.12-83.30-83.6970.45-95.12-252.97
Income Taxes Payable-17.0419.9924.9022.716.39-38.404.16-13.46
Cash from Operating Activities-245.51259.85105.2488.20160.23100.0186.910.81
Capital Expenditures--3.04-1.98-1.20-0.90-0.41-0.78-2.19-5.84
Net Assets From Acquisitions-0.000.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses-0.010.010.000.000.040.010.020.00
Purchase or Sale of Investments--108.0521.51-59.87-12.43-54.74163.670.00-34.00
Purchase of Investments--217.39-34.26-59.87-13.45-66.53-583.240.00-34.00
Sale Or Maturity of Investments-109.3555.760.001.0211.78746.910.000.00
Other Uses-0.000.000.000.00-23.260.000.000.00
Other Sources-0.000.000.000.0048.070.000.000.00
Cash from Investing Activities--223.844.77-156.15-135.64-364.19-536.76-445.7162.40
Cash Dividends Paid--21.53-16.21-8.240.000.000.00-14.930.00
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Change in Capital Stock--99.45-25.30-3.36-21.750.460.090.87103.07
Repurchase of Common Pref Stock--102.10-25.32-3.51-21.790.000.000.000.00
Sale of Common Pref Stock-2.660.020.160.040.460.090.87103.07
Proceedsfrom Stock Options-0.000.000.000.000.000.000.00103.07
Issuance or Reduction of Debt, Net-11.62-32.8669.84-14.30-28.540.00-28.65-75.38
Net Financing Active Other Cash Flow-120.38-194.52115.01121.64230.04-158.23435.08-0.21
Other Financing Activities Uses--209.86-430.48-343.99-263.85-90.41-381.03-189.11-0.21
Cash from Financing Activities-11.02-268.89173.2585.59201.96650.62392.3727.47
Exchange Rate Effect--1.150.960.324.34-1.45-4.121.54-0.95
Net Change in Cash-31.55-3.31122.6642.49-3.46209.7535.1189.73
Free Cash Flow-242.46257.88104.0487.30159.8299.2384.72-5.03
Price to Free Cash Flow-1.051.691.851.861.061.083.87-

Balance sheet, quarterly

Currency USD, millions
Metric2026Q22026Q12025Q42025Q32025Q22025Q1
Cash & Short Term Investments418.89547.07550.53511.81569.78583.06
Short Term Receivables202.99361.63452.20430.66441.23332.30
Investments1,068.24965.051,009.891,049.42832.37709.31
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment3.613.839.832.932.592.31
Deferred Tax Assets71.6873.3665.1642.6936.2425.93
Other Intangible Assets18.1718.6711.0525.9528.0414.71
Total Assets1,783.571,969.612,098.662,063.461,910.241,667.61
Total Debt58.3951.2265.1479.5656.0383.22
Long Term Debt0.000.004.980.000.000.00
Provision for Risks Charges0.000.000.000.000.000.00
Deferred Tax Liabilities3.3913.379.979.657.912.43
Other Liabilities578.83780.48902.11860.41768.79556.62
Total Liabilities640.61845.07977.22949.63832.73642.27
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity1,142.961,124.541,121.441,113.831,077.511,025.34
Total Shareholders Equity1,142.961,124.541,121.441,113.831,077.511,025.34
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity1,142.961,124.541,121.441,113.831,077.511,025.34
Total Liabilities & Stockholders Equity1,783.571,969.612,098.662,063.461,910.241,667.61
Book Value Per Share29.2428.7728.6926.6625.7924.54
Tangible Book Value Per Share49.8449.0348.9043.4542.0339.99
Full-Time Employees--643---
Price to Book Ratio0.180.150.210.530.710.72
Return on Assets4.297.9910.9113.3613.6013.53
Return on Equity7.1413.5319.5623.7024.2824.00
Return on Invested Capital0.600.490.725.286.776.14
Quick Ratio1.221.341.281.211.411.56
Current Ratio1.221.341.281.211.411.56

Cash flow, quarterly

Currency USD, millions
Metric2026Q22026Q12025Q42025Q32025Q22025Q1

Revenue breakdown

Financial Service2024: 190.91M 2025: 194.38M
Guarantee Income2024: 28.07M 2025: 88.58M
Loan Facilitation Service2024: 431.68M 2025: 534.73M
Post-origination Service2024: 105.69M 2025: 149.50M
Service, Other2024: 60.69M 2025: 95.79M
China2024: 817.04M 2025: 1.06B

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-30-0.1M-58.42K
2026-10-15-0.1M-60.01K
2026-09-30-0.1M-58.74K
2026-09-15-0.1M-60.40K
2026-08-31-0.1M-61.77K
2026-08-14-0.1M-77.62K
2026-07-31-0.1M-90.01K
2026-07-15-0.2M-108.52K
2026-06-30-0.2M-125.62K
2026-06-15-0.2M-158.39K
2026-05-29-0.2M-160.96K
2026-05-15-0.2M-153.35K
2026-04-30-0.2M-164.57K
2026-04-15-0.2M-189.87K
2026-03-31-0.1M-196.85K
2026-03-13-0.1M-196.53K
2026-02-27-0.2M-202.99K
2026-02-13-0.1M-237.93K
2026-01-30-0.1M-229.34K
2026-01-15-0.1M-210.97K

Option chain

expiry 2026-11-11
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
No option chain for this symbol.

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-06SCHEDULE 13DSEC
2026-11-066-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-11-06SEC
2026-08-246-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-08-24SEC
2026-08-034Statement of changes in beneficial ownership of securities2026-08-01SEC
2026-08-034Statement of changes in beneficial ownership of securities2026-08-01SEC
2026-06-244/A2026-06-15SEC
2026-06-176-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-06-17SEC
2026-06-12144Filing for proposed sale of securities under Rule 144.SEC
2026-06-024Statement of changes in beneficial ownership of securities2026-06-01SEC
2026-05-276-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-05-27SEC
2026-05-113Initial statement of beneficial ownership of securities2026-03-18SEC
2026-05-113Initial statement of beneficial ownership of securities2026-03-18SEC
2026-05-113Initial statement of beneficial ownership of securities2026-03-18SEC
2026-05-113Initial statement of beneficial ownership of securities2026-03-18SEC
2026-05-01SCHEDULE 13G/ASEC
2026-04-3020-FRegistration statement under Section 12 of the Securities Exchange Act of 1934 or an annual or transition report filed under Section 13(a) or 15(d) of the Exchange Act for a foreign private issuer.2025-12-31SEC
2026-03-31SCHEDULE 13D/ASEC
2026-03-256-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162026-03-25SEC
2026-03-183Initial statement of beneficial ownership of securities2026-03-18SEC
2026-03-183Initial statement of beneficial ownership of securities2026-03-18SEC
2026-03-183Initial statement of beneficial ownership of securities2026-03-18SEC
2026-03-183Initial statement of beneficial ownership of securities2026-03-18SEC
2026-03-183Initial statement of beneficial ownership of securities2026-03-18SEC
2026-01-30SCHEDULE 13G/ASEC
2025-12-19UPLOADUpload SubmissionSEC
2025-11-206-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162025-11-20SEC
2025-11-186-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162025-11-18SEC
2025-11-14144Filing for proposed sale of securities under Rule 144.SEC
2025-11-07SCHEDULE 13G/ASEC
2025-09-266-KCurrent report of foreign issuer pursuant to Rules 13a-16 and 15d-162025-09-26SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-080000
2026-070000
2026-060000
2026-050000
2026-040000
2026-030000
2026-020000
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
ACADIAN ASSET MANAGEMENT LLC0.84%
TWO SIGMA INVESTMENTS, LP0.84%
Qube Research & Technologies Ltd0.60%
Trexquant Investment LP0.37%
CITADEL ADVISORS LLC0.35%
O'SHAUGHNESSY ASSET MANAGEMENT, LLC0.27%
UBS Group AG0.20%
GSA CAPITAL PARTNERS LLP0.11%
JANE STREET GROUP, LLC0.11%
JPMORGAN CHASE & CO0.10%

Funds

Fund% owned
ActivePassive International Equity ETF0.13%
State Street(R) SPDR(R) S&P(R) Emerging Markets Small Cap ETF0.09%
Invesco Golden Dragon China ETF0.06%
Avantis Emerging Markets Equity ETF0.01%
Blackstone Alternative Multi-Strategy Fund0.00%

OakChart. XYF. Cached 15 minutes.