X Financial Class A (XYF)

Currency in USD
12.880
+0.210(+1.66%)
Closed·
12.810-0.070(-0.54%)
·
XYF is not included in our AI-picked strategies. See which stocks are.
Fair Value
Day's Range
12.77013.110
52 wk Range
6.04020.355
Key Statistics
Prev. Close
12.67
Open
12.77
Day's Range
12.77-13.11
52 wk Range
6.04-20.355
Volume
66.67K
Average Volume (3m)
330.64K
1-Year Change
95.15%
Book Value / Share
25.53
Fair Value
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Fair Value Upside
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Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Neutral
Technical Indicators
Buy
Moving Averages
Sell
XYF Scorecardpro icon
Company’s Health
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Fair Value
Unlock Price
Fair Price
Upside
Analysts Sentiment
Currently not supported.
Members' Sentiments
Bearish
Bullish
ProTips
Trading at a low earnings multiple

X Financial Class A News & Analysis

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X Financial Class A Company Profile

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.

Sector
Financial
Employees
563

X Financial Class A Earnings Call Summary for Q2/2025

  • Q2 2025 revenue up 65.6% YoY to RMB 2.27B; stock rose 6.53% premarket. Loan originations increased 71.4% YoY to RMB 38.99B.
  • AI enhancements in client management and customer service. Company maintains 'GREAT' financial health with strong profitability metrics.
  • 2025 loan origination target: RMB 32-34B. Focus on asset quality over volume growth. Share repurchase program and semi-annual dividend announced.
  • Regulatory environment in China remains a challenge. Company emphasizes compliance and alignment with government policy goals.
  • Continued investment in AI for operational efficiency. Management confident in strategic path rooted in robust underwriting and risk controls.
Last Updated: 19/08/2025, 14:18
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Compare XYF to Peers and Sector

Metrics to compare
XYF
Peers
Sector
Relationship
P/E Ratio
2.2x6.0x9.7x
PEG Ratio
0.050.060.03
Price/Book
0.5x0.9x1.0x
Price / LTM Sales
0.5x1.0x2.9x
Upside (Analyst Target)
-28.9%14.0%
Fair Value Upside
Unlock21.1%0.3%Unlock

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 38.12%
Dividend Yield
3.99%
Industry Median 3.31%
Annualised payout
0.51
Paid unevenly
5-Years Growth
-
Growth Streak

Earnings

Latest Release
Aug 18, 2025
EPS / Forecast
12.00 / --
Revenue / Forecast
2.27B / --
EPS Revisions
Last 90 days

XYF Income Statement

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FAQ

What Stock Exchange Does X Financial A Trade On?

X Financial A is listed and trades on the New York Stock Exchange stock exchange.

What Is the Stock Symbol for X Financial A?

The stock symbol for X Financial A is "XYF."

What Is the X Financial A Market Cap?

As of today, X Financial A market cap is 543.66M.

What Is X Financial A's Earnings Per Share (TTM)?

The X Financial A EPS (TTM) is 38.12.

From a Technical Analysis Perspective, Is XYF a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Sell.

How Many Times Has X Financial A Stock Split?

X Financial A has split 1 times.

How Many Employees Does X Financial A Have?

X Financial A has 563 employees.

What is the current trading status of X Financial A (XYF)?

As of 25 Oct 2025, X Financial A (XYF) is trading at a price of 12.880, with a previous close of 12.67. The stock has fluctuated within a day range of 12.770 to 13.110, while its 52-week range spans from 6.040 to 20.355.
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