X Financial (XYF)
NYSE · Financial Services · Credit Services
$4.95+0.20%as of Oct 6, 2026, 7:35 AM ET
- Market cap
- $183M
- P/E (trailing)
- 2.4
- Forward P/E
- 13.4
- Dividend yield
- 11.3%
- 52-week range
- $3.30 – $14.65
- 52-week change
- −65.33%
- EPS (trailing)
- $2.09
- Next earnings
- Nov 26, 2026
Fiscal year to Dec 2025
- Revenue
- $1.1B (+35.80%)
- Net income
- $209M
- Operating margin
- 21.3%
- Diluted EPS
- $0.84
- Free cash flow
- $207M
From the company’s annual report on SEC EDGAR.
About X Financial
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.
Headquarters: Shenzhen, China · 643 employees · ir.xiaoyinggroup.com