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X Financial (XYF)

Financial Services | Credit Services | Shenzhen, China | NYSE
5.09 USD -0.03 (-0.684%) ⇩ (Oct. 16, 2026, 11:22 a.m. EDT)

Short-term:★★⯪☆☆Long-term:★☆☆☆☆Dividends:★★★⯪☆
Hot Take ↕ | Oct. 10, 2026, 5:26 a.m. EDT

The immediate outlook is flat due to a severe disconnect between the company's deteriorating earnings and its ability to sustain its massive dividend. While the stock trades at a fraction of book value, the fundamentals are alarming: revenue has contracted by more than half year-over-year, and earnings have collapsed by nearly 90%. This aggressive cut in profitability suggests the current dividend yield is not a reward for quality, but a precarious payout funded by thin margins. The recent price action shows the stock hovering near its 200-day average, offering no clear momentum catalyst to reverse the trend. For a short-term trader, there is no edge here; the lack of earnings growth and the heavy debt load relative to equity create a ceiling on upside potential until the business stabilizes.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.032315
AutoETS0.032808
MSTL0.033635
AutoARIMA0.033667

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 40%
H-stat 0.66
Ljung-Box p 0.000
Jarque-Bera p 0.658
Excess Kurtosis -0.36
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-09-09
Last Dividend Date 2026-09-09
Debt to Equity Ratio 5.481
Revenue per Share 144.26
Market Cap 187,806,224
Trailing P/E 2.43
Forward P/E 13.74
Beta 0.43
Profit Margins 10.06%
Website https://ir.xiaoyinggroup.com

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
5.41% 11.34% 6.94% 4.98%
Dividend History
Date Dividend Yield %
2026-09-10 0.28 5.405406
2026-04-30 0.28 5.932204
2025-06-20 0.25 1.453488
2024-09-04 0.17 3.671706
2024-05-09 0.17 4.370180
2023-09-18 0.17 4.066986
2019-04-04 0.30 1.766784
Additional Data
dividendRate 0.56
dividendYield 10.94
exDividendDate 2026-09-10
trailingAnnualDividendRate 3.816
trailingAnnualDividendYield 0.7453125
lastDividendValue 0.28
lastDividendDate 2026-09-10
dividendDate 2026-09-28

Info Dump

Attribute Value
52 Week Change -0.607362
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 5.13
Ask Size 200
Average Daily Volume10 Day 56,810
Average Daily Volume3 Month 59,970
Average Volume 59,970
Average Volume10Days 56,810
Beta 0.426
Bid 5.06
Bid Size 100
Book Value 30.864037
City Shenzhen
Country China
Crypto Tradeable 0
Currency USD
Current Price 5.085
Current Ratio 4.398
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 5.205
Day Low 5.085
Debt To Equity 5.481
Dividend Date 1,790,553,600
Dividend Rate 0.56
Dividend Yield 10.94
Earnings Call Timestamp End 1,787,574,600
Earnings Call Timestamp Start 1,787,574,600
Earnings Growth -0.896
Earnings Quarterly Growth -0.911
Earnings Timestamp 1,787,574,600
Earnings Timestamp End 1,795,696,200
Earnings Timestamp Start 1,795,696,200
Ebitda 2,935,574,784
Ebitda Margins 0.52435
Enterprise To Ebitda -0.175
Enterprise To Revenue -0.092
Enterprise Value -514,399,104
Eps Forward 0.37
Eps Trailing Twelve Months 2.09
Esg Populated 0
Ex Dividend Date 1,788,998,400
Exchange NYQ
Exchange Data Delayed By 20
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 5.2518
Fifty Day Average Change -0.16680002
Fifty Day Average Change Percent -0.031760544
Fifty Two Week Change Percent -60.7362
Fifty Two Week High 13.4
Fifty Two Week High Change -8.315
Fifty Two Week High Change Percent -0.6205224
Fifty Two Week Low 3.3
Fifty Two Week Low Change 1.7850001
Fifty Two Week Low Change Percent 0.5409091
Fifty Two Week Range 3.3 - 13.4
Financial Currency CNY
First Trade Date Milliseconds 1,537,363,800,000
Float Shares 13,867,599
Forward Eps 0.37
Forward P E 13.743243
Full Exchange Name NYSE
Full Time Employees 643
Fullday Change -0.03999996
Fullday Change Percent -0.7812493
Fullday Price 5.085
Gmt Off Set Milliseconds -14,400,000
Gross Margins 0.60111
Gross Profits 3,365,306,112
Has Pre Post Market Data 1
Held Percent Insiders 0.17052999
Held Percent Institutions 0.039809998
Implied Shares Outstanding 36,933,378
Industry Credit Services
Industry Disp Credit Services
Industry Key credit-services
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,788,998,400
Last Dividend Value 0.28
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 187,806,224
Market State REGULAR
Max Age 86,400
Message Board Id finmb_557966096
Most Recent Quarter 1,782,777,600
Net Income To Common 563,338,240
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 193,161,565
Open 5.15
Operating Margins 0.49933997
Payout Ratio 0.2726
Phone 86 75 5862 82977
Previous Close 5.12
Price Hint 2
Price To Book 0.16475487
Price To Sales Trailing12 Months 0.033545714
Profit Margins 0.10062
Quick Ratio 1.315
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change -0.034999847
Regular Market Change Percent -0.68359077
Regular Market Day High 5.205
Regular Market Day Low 5.085
Regular Market Day Range 5.085 - 5.205
Regular Market Open 5.15
Regular Market Previous Close 5.12
Regular Market Price 5.085
Regular Market Time 1,792,164,149
Regular Market Volume 28,002
Return On Assets 0.14165
Return On Equity 0.0728
Revenue Growth -0.563
Revenue Per Share 144.26
Sand P52 Week Change 0.16207206
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Shares Outstanding 20,666,711
Shares Percent Shares Out 0.0023
Shares Short 86,510
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 86,292
Short Name X Financial
Short Percent Of Float 0.0050999997
Short Ratio 1.13
Source Interval 15
Symbol XYF
Total Cash 1,131,736,064
Total Cash Per Share 30.144
Total Debt 425,112,000
Total Revenue 5,598,516,224
Tradeable 0
Trailing Annual Dividend Rate 3.816
Trailing Annual Dividend Yield 0.7453125
Trailing Eps 2.09
Trailing P E 2.4330144
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 5.03905
Two Hundred Day Average Change 0.045949936
Two Hundred Day Average Change Percent 0.009118769
Type Disp Equity
Volume 28,002
Website https://ir.xiaoyinggroup.com
Zip 518,067