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X Financial (XYF)

Financial Services | Credit Services | Shenzhen, China | NYSE
4.73 USD +0.02 (0.425%) ⇧ (April 17, 2026, 4 p.m. EDT)
After hours: 4.73
Short-term: ★★☆☆☆ | Long-term: ★☆☆☆☆ | Dividends: ★★★☆☆
Hot Take | April 11, 2026, 4:02 p.m. EDT

XYF (X Financial) presents a mixed picture for short-term and long-term investors. In the short term, the stock has shown volatility with a recent dip to $3.41, but it has bounced back slightly, indicating potential for a short-term rebound. However, the overall trend is negative with the 52-week low at $3.30 and the 52-week high at $20.36. The stock's low beta of 0.473 suggests it is less volatile than the market, which could be beneficial for risk-averse traders. The recent price action and the upcoming earnings call on March 26 might offer opportunities for short-term traders looking to capitalize on potential momentum or a buy-the-dip scenario. However, the stock's fundamentals show a decline in revenue growth and earnings, which could dampen investor sentiment. For long-term investors, the stock's fundamentals are weak, with negative earnings growth and a high debt-to-equity ratio, making it a risky investment. The dividend yield is high at 12.79%, but the payout ratio is low, suggesting that the dividend may not be sustainable in the long run. Overall, XYF is not a strong candidate for long-term investment, but short-term traders might consider it as a speculative play with potential for quick gains.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoETS ✓0.205955
AutoARIMA0.206963
MSTL0.210788
AutoTheta0.246191

Forecast horizon: 45 days | Selected: AutoETS

Forecast Reliability
Score 23%
H-stat 6.69
Ljung-Box p 0.000
Jarque-Bera p 0.001
Excess Kurtosis 1.73
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-04-29
Last Dividend Date 2025-06-19
Debt to Equity Ratio 5.67
Revenue per Share 187.873
Market Cap 184,878,272
Trailing P/E 0.91
Forward P/E 12.78
Beta 0.47
Profit Margins 19.17%
Website https://ir.xiaoyinggroup.com

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
1.45% 1.45% 4.75% 2.85%
Dividend History
Date Dividend Yield %
2025-06-20 0.25 1.453488
2024-09-04 0.17 3.725480
2024-05-09 0.17 4.595254
2023-09-18 0.17 4.470310
2019-04-04 0.30 2.020044
Additional Data
dividendRate 0.56
dividendYield 11.84
exDividendDate 2026-04-30
trailingAnnualDividendRate 3.92
trailingAnnualDividendYield 0.83227175
lastDividendValue 0.25
lastDividendDate 2025-06-20
dividendDate 2025-10-15

Info Dump

Attribute Value
52 Week Change -0.57767856
Address1 Aerospace Science and Technology Plaza
Address2 7 - 8F, Block A No. 168, Haide Third Avenue Nanshan District
All Time High 60.9
All Time Low 1.41
Ask 4.8
Ask Size 300
Average Daily Volume10 Day 158,410
Average Daily Volume3 Month 191,811
Average Volume 191,811
Average Volume10Days 158,410
Beta 0.473
Bid 4.7
Bid Size 700
Book Value 29.201677
City Shenzhen
Country China
Crypto Tradeable 0
Currency USD
Current Price 4.73
Current Ratio 5.028
Custom Price Alert Confidence HIGH
Date Short Interest 1,774,915,200
Day High 4.92
Day Low 4.695
Debt To Equity 5.67
Dividend Date 1,760,486,400
Dividend Rate 0.56
Dividend Yield 11.84
Earnings Call Timestamp End 1,774,528,200
Earnings Call Timestamp Start 1,774,528,200
Earnings Growth -0.821
Earnings Quarterly Growth -0.852
Earnings Timestamp 1,774,468,800
Earnings Timestamp End 1,779,220,800
Earnings Timestamp Start 1,779,220,800
Ebitda 4,843,590,656
Ebitda Margins 0.63403
Enterprise To Ebitda 0.116
Enterprise To Revenue 0.073
Enterprise Value 561,279,360
Eps Forward 0.37
Eps Trailing Twelve Months 5.17
Esg Populated 0
Ex Dividend Date 1,777,507,200
Exchange NYQ
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 4.7156
Fifty Day Average Change 0.014400005
Fifty Day Average Change Percent 0.0030536952
Fifty Two Week Change Percent -57.767857
Fifty Two Week High 20.36
Fifty Two Week High Change -15.630001
Fifty Two Week High Change Percent -0.7676818
Fifty Two Week Low 3.3
Fifty Two Week Low Change 1.4300001
Fifty Two Week Low Change Percent 0.43333337
Fifty Two Week Range 3.3 - 20.36
Financial Currency CNY
First Trade Date Milliseconds 1,537,363,800,000
Float Shares 94,257,707
Forward Eps 0.37
Forward P E 12.783784
Full Exchange Name NYSE
Gmt Off Set Milliseconds -14,400,000
Gross Margins 0.69098
Gross Profits 5,278,669,824
Has Pre Post Market Data 1
Held Percent Insiders 0.21320999
Held Percent Institutions 0.09674
Implied Shares Outstanding 39,086,317
Industry Credit Services
Industry Disp Credit Services
Industry Key credit-services
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,750,377,600
Last Dividend Value 0.25
Last Fiscal Year End 1,767,139,200
Last Split Date 1,605,744,000
Last Split Factor 1:3
Long Business Summary 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.
Long Name X Financial
Market us_market
Market Cap 184,878,272
Market State CLOSED
Max Age 86,400
Message Board Id finmb_557966096
Most Recent Quarter 1,767,139,200
Net Income To Common 1,464,552,960
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 184,878,278
Open 4.82
Operating Margins 0.43879002
Payout Ratio 0.1075
Phone 86 75 5862 82977
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 4.73
Post Market Time 1,776,464,221
Previous Close 4.71
Price Hint 4
Price To Book 0.161977
Price To Sales Trailing12 Months 0.024200547
Profit Margins 0.19171
Quick Ratio 1.685
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change 0.02
Regular Market Change Percent 0.424628
Regular Market Day High 4.92
Regular Market Day Low 4.695
Regular Market Day Range 4.695 - 4.92
Regular Market Open 4.82
Regular Market Previous Close 4.71
Regular Market Price 4.73
Regular Market Time 1,776,456,002
Regular Market Volume 265,761
Return On Assets 0.22826
Return On Equity 0.19805
Revenue Growth -0.141
Revenue Per Share 187.873
Sand P52 Week Change 0.38150132
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Shares Outstanding 22,819,650
Shares Percent Shares Out 0.0034
Shares Short 132,662
Shares Short Previous Month Date 1,772,150,400
Shares Short Prior Month 156,503
Short Name X Financial
Short Percent Of Float 0.0101
Short Ratio 0.69
Source Interval 15
Symbol XYF
Total Cash 987,630,976
Total Cash Per Share 4.229
Total Debt 444,336,992
Total Revenue 7,639,425,024
Tradeable 0
Trailing Annual Dividend Rate 3.92
Trailing Annual Dividend Yield 0.83227175
Trailing Eps 5.17
Trailing P E 0.9148936
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 9.91935
Two Hundred Day Average Change -5.1893497
Two Hundred Day Average Change Percent -0.5231542
Type Disp Equity
Volume 265,761
Website https://ir.xiaoyinggroup.com
Zip 518,067