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XYF

X Financial

Price Chart
Latest Quote

$4.88

+0.06 (+1.24%)
Current Price
Previous Close $4.82
Open $4.80
Day High $4.89
Day Low $4.75
Volume 6,488
Fetched: 2026-10-27T17:07:57
Stock Information
Note: Financial values converted from CNY to USD
Quarterly Dividend / Yield $0.56 / 11.62%
Shares Outstanding 20.67M
Quarterly Dividend Yield 11.62%
Quarterly Dividend $0.56
Total Debt $63.87M
Cash Equivalents $170.04M
Revenue $841.15M
Net Income $84.64M
Sector Financial Services
Industry Credit Services
Market Cap $180.23M
P/E Ratio 2.33
EPS (TTM) $2.09
Exchange NYQ
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📊 Comprehensive Analysis
Company Data
Enterprise Value$-525.66M
Sales$841.15M
Income$84.64M
Book/sh$30.93
Cash/sh$54.76
Employees643
Financial Ratios
Quick Ratio1.31
Current Ratio4.40
Debt/Eq5.48
EPS Growth TTM-91.10%
Returns & Margins
ROA14.16%
ROE7.28%
Gross Margin60.11%
Operating Margin49.93%
Profit Margin10.06%
Ownership
Insider Ownership17.05%
Institutional Ownership3.88%
Insider & Institutional transactions data not available
Valuation Ratios
Forward P/E13.19
P/S0.03
P/B0.16
Analyst Data
Recommendationnone
Technical Indicators
SMA20$5.00
SMA50$5.09
SMA200$4.69
RSI36.77
ATR0.1864
Shares Float13.87M
Short Float0.51%
Short Ratio1.13
Volatility0.43
Rel Volume0.56
Performance History
Week+0.21%
Month-4.87%
Quarter+2.61%
6 Months+10.77%
YTD-5.72%
Year-57.69%
3 Years+61.89%
5 Years+25.12%
10 Years-82.34%
Stock Score: ⭐ Premium
Based on debt, profitability, growth, and cash flow metrics
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Recent Price History
Date Close Volume
2026-10-27 $4.88 27,395
2026-10-26 $4.82 33,500
2026-10-23 $4.82 29,700
2026-10-22 $4.86 17,000
2026-10-21 $4.82 68,200
2026-10-20 $4.87 78,400
2026-10-19 $5.10 46,600
2026-10-16 $4.98 45,200
2026-10-15 $5.12 74,100
2026-10-14 $4.85 79,200
2026-10-13 $5.03 24,500
2026-10-12 $5.06 36,400
2026-10-09 $5.15 24,100
2026-10-08 $5.07 72,000
2026-10-07 $5.29 62,300
2026-10-06 $5.08 84,000
2026-10-05 $4.95 45,600
2026-10-02 $4.94 65,900
2026-10-01 $5.12 30,100
2026-09-30 $5.15 33,000
2026-09-29 $5.17 42,800
2026-09-28 $5.13 36,600
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.

📰 Latest News
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Income Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Revenue
Reconciled Cost Of Revenue $305,445,700 $263,752,999 $235,842,624 $200,301,035
Cost Of Revenue $305,445,700 $263,752,999 $235,842,624 $200,301,035
Total Revenue $1,144,174,550 $879,430,551 $721,136,496 $533,631,412
Operating Revenue $1,041,068,601 $814,103,104 $673,884,114 $506,690,588
Expenses
Total Expenses $902,353,371 $602,374,973 $510,403,563 $371,533,724
Other Income Expense $15,858,965 $3,318,751 $7,677,450 $20,046,450
Other Non Operating Income Expenses $19,807,438 $2,024,925 $3,647,148 $6,099,309
Net Non Operating Interest Income Expense $4,420,090 $3,343,942 $1,541,993 $562,580
Operating Expense $596,907,671 $338,621,974 $274,560,939 $171,232,689
Other Operating Expenses $149,962,992 $36,205,688 $10,112,626 $-2,096,813
Selling And Marketing Expense $329,854,854 $237,010,593 $205,329,210 $124,776,756
General And Administrative Expense $29,888,449 $26,349,825 $23,056,430 $21,452,546
Interest Expense - $237,010,593 $205,329,210 $124,776,756
Income & Earnings
Net Income From Continuing Operation Net Minority Interest $219,349,428 $230,635,305 $177,748,922 $121,614,615
Net Interest Income $4,420,090 $3,343,942 $1,541,993 $562,580
Interest Income $4,420,090 $3,343,942 $1,541,993 $562,580
Normalized Income $222,638,506 $229,618,573 $174,435,256 $112,195,811
Net Income From Continuing And Discontinued Operation $219,349,428 $230,635,305 $177,748,922 $121,614,615
Total Operating Income As Reported $244,140,609 $280,638,848 $218,984,707 $181,790,623
Net Income Common Stockholders $219,349,428 $230,635,305 $177,748,922 $121,614,615
Net Income $219,349,428 $230,635,305 $177,748,922 $121,614,615
Net Income Including Noncontrolling Interests $219,349,428 $230,635,305 $177,748,922 $121,614,615
Net Income Continuous Operations $219,349,428 $230,635,305 $177,748,922 $121,614,615
Earnings From Equity Interest Net Of Tax $930,199 $7,679,934 $-3,093,325 $-1,771,162
Pretax Income $262,100,234 $283,718,270 $219,952,377 $182,706,717
Interest Income Non Operating $4,420,090 $3,343,942 $1,541,993 $562,580
Operating Income $241,821,179 $277,055,578 $210,732,933 $162,097,688
Gross Profit $838,728,850 $615,677,552 $485,293,872 $333,330,377
Special Income Charges - $0 $-7,005,068 $-1,329,192
Per Share
Diluted EPS $5.27 $4.72 $3.67 $2.26
Basic EPS $5.39 $4.79 $3.70 $2.31
Other
Tax Effect Of Unusual Items $-659,395 $277,094 $716,635 $4,528,337
Tax Rate For Calcs $0 $0 $0 $0
Normalized EBITDA (Bullshit earnings) $247,441,272 $276,839,930 $207,490,525 $149,145,981
Total Unusual Items $-3,948,473 $1,293,826 $4,030,302 $13,947,141
Total Unusual Items Excluding Goodwill $-3,948,473 $1,293,826 $4,030,302 $13,947,141
Reconciled Depreciation $1,671,620 $1,078,178 $787,893 $995,434
EBITDA (Bullshit earnings) $243,492,799 $278,133,755 $211,520,827 $163,093,122
EBIT $241,821,179 $277,055,578 $210,732,933 $162,097,688
Diluted Average Shares $6,227,764 $7,322,736 $7,259,796 $8,047,852
Basic Average Shares $6,090,142 $7,209,751 $7,191,968 $7,899,114
Diluted NI Availto Com Stockholders $219,349,428 $230,635,305 $177,748,922 $121,614,615
Tax Provision $43,681,005 $60,762,899 $39,110,129 $59,320,941
Gain On Sale Of Security $-3,948,473 $1,293,826 $4,030,302 $15,276,333
Provision For Doubtful Accounts $87,201,375 $39,055,867 $36,062,673 $27,100,199
Selling General And Administration $359,743,304 $263,360,419 $228,385,640 $146,229,302
Other Gand A $29,888,449 $26,349,825 $23,056,430 $21,452,546
Minority Interests - $0 $0 $0
Write Off - $0 $7,005,068 $1,329,192
Fetched: 2026-10-21
Balance Sheet (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Assets
Net Tangible Assets $1,167,867,501 $1,035,909,845 $870,224,367 $706,431,958
Total Assets $2,196,523,013 $1,770,202,779 $1,744,851,568 $1,323,637,623
Total Non Current Assets $349,030,073 $195,848,552 $200,438,018 $132,796,851
Other Non Current Assets $7,992,398 $6,732,486 $8,277,097 $10,065,232
Non Current Deferred Assets $68,199,965 $29,611,873 $20,362,693 $13,244,135
Non Current Deferred Taxes Assets $68,199,965 $29,611,873 $20,362,693 $13,244,135
Financial Assets $0 $155,502 $0 $0
Investmentin Financial Assets $186,178,452 $76,904,438 $91,091,281 $28,849,128
Goodwill And Other Intangible Assets $5,868,547 $5,480,465 $5,513,178 $5,474,168
Other Intangible Assets $5,868,547 $5,480,465 $5,513,178 $5,474,168
Current Assets $1,847,492,940 $1,574,354,227 $1,544,413,550 $1,190,840,772
Other Current Assets $1,204,455 $820,867 $2,365,387 $1,655,376
Restricted Cash $428,282,374 $394,663,720 $367,173,240 $325,755,861
Prepaid Assets $3,207,259 $1,599,427 $1,261,825 $3,371,840
Receivables $1,266,879,039 $1,029,802,649 $994,582,460 $769,854,211
Taxes Receivable $2,110,394 $2,683,723 $3,676,884 $3,096,807
Loans Receivable $793,588,475 $723,148,383 $742,345,185 $590,213,006
Accounts Receivable $471,180,171 $303,970,543 $248,560,391 $174,022,252
Allowance For Doubtful Accounts Receivable $-28,812,745 $-3,620,340 $-1,387,883 $-3,276,295
Gross Accounts Receivable $499,992,916 $307,590,883 $249,948,274 $177,298,547
Cash Cash Equivalents And Short Term Investments $147,919,813 $147,467,565 $179,030,638 $90,203,484
Cash And Cash Equivalents $147,919,813 $147,467,565 $179,030,638 $90,203,484
Other Receivables - $2,683,723 $3,676,884 $2,246,585
Cash Cash Equivalents And Federal Funds Sold - $542,131,284 $546,203,877 $415,959,345
Accrued Interest Receivable - - $0 $275,561
Debt
Net Debt $25,492,098 - - -
Total Debt $175,038,052 $79,210,638 $95,818,209 $12,208,467
Long Term Debt And Capital Lease Obligation $113,701,781 $30,010,422 $11,196,832 $1,693,130
Long Term Debt $112,075,640 $28,103,389 $9,271,883 -
Current Debt And Capital Lease Obligation $61,336,271 $49,200,217 $84,621,378 $10,515,337
Current Debt $61,336,271 $49,200,217 $84,621,378 $10,515,337
Other Current Borrowings - $49,200,217 $84,621,378 $10,515,337
Liabilities
Total Liabilities Net Minority Interest $1,022,786,965 $728,812,469 $869,114,023 $611,731,498
Total Non Current Liabilities Net Minority Interest $131,660,279 $44,010,386 $21,323,068 $25,627,519
Other Non Current Liabilities $5,213,112 $4,121,195 $5,627,105 $7,667,303
Derivative Product Liabilities $2,310,340 $0 $0 $16,158,998
Non Current Deferred Liabilities $10,435,045 $9,878,770 $4,499,131 $108,087
Non Current Deferred Taxes Liabilities $10,435,045 $9,878,770 $4,499,131 $108,087
Current Liabilities $891,126,687 $684,802,083 $847,790,954 $586,103,979
Current Deferred Liabilities $73,663,904 $27,169,457 $17,940,599 $4,127,332
Payables And Accrued Expenses $756,126,512 $608,432,409 $745,228,978 $571,461,310
Payables $702,638,554 $563,803,148 $707,940,979 $550,262,659
Other Payable $110,372,404 $106,163,100 $51,999,836 $56,765,955
Total Tax Payable $134,714,397 $130,524,404 $110,280,507 $78,747,261
Income Tax Payable $101,473,922 $88,589,016 $66,873,321 $40,451,859
Accounts Payable $457,551,753 $327,115,643 $536,790,207 $414,749,444
Interest Payable - $1,384,875 $5,648,565 $1,837,407
Dividends Payable - $0 $8,870,430 $0
Equity
Common Stock Equity $1,173,736,048 $1,041,390,311 $875,737,545 $711,906,125
Total Equity Gross Minority Interest $1,173,736,048 $1,041,390,311 $875,737,545 $711,906,125
Stockholders Equity $1,173,736,048 $1,041,390,311 $875,737,545 $711,906,125
Gains Losses Not Affecting Retained Earnings $9,544,157 $12,139,353 $10,405,681 $9,525,310
Other Equity Adjustments $9,544,157 $12,139,353 $10,405,681 $9,525,310
Retained Earnings $821,395,494 $625,226,351 $403,189,989 $243,058,405
Long Term Equity Investment $77,211,218 $74,592,368 $73,899,378 $74,286,319
Other
Treasury Shares Number $14,168,471 $11,748,069 $5,326,554 $6,170,527
Ordinary Shares Number $35,124,297 $37,544,699 $43,966,214 $43,122,241
Share Issued $49,292,768 $49,292,768 $49,292,768 $49,292,768
Tangible Book Value $1,167,867,501 $1,035,909,845 $870,224,367 $706,431,958
Invested Capital $1,347,147,959 $1,118,693,917 $969,630,806 $722,421,462
Working Capital $956,366,253 $889,552,144 $696,622,596 $604,736,793
Capital Lease Obligations $1,626,141 $1,907,033 $1,924,948 $1,693,130
Total Capitalization $1,285,811,687 $1,069,493,700 $885,009,429 $711,906,125
Treasury Stock $144,945,650 $76,330,544 $16,702,656 $18,661,153
Additional Paid In Capital $487,711,075 $480,324,179 $478,813,559 $477,952,591
Capital Stock $30,972 $30,972 $30,972 $30,972
Common Stock $30,972 $30,972 $30,972 $30,972
Long Term Capital Lease Obligation $1,626,141 $1,907,033 $1,924,948 $1,693,130
Current Deferred Revenue $73,663,904 $27,169,457 $17,940,599 $4,127,332
Line Of Credit $61,336,271 $49,200,217 $84,621,378 -
Current Accrued Expenses $53,487,957 $44,629,261 $37,287,999 $21,198,651
Investments And Advances $263,389,670 $151,496,806 $164,990,659 $103,135,446
Available For Sale Securities $186,178,452 $76,904,438 $91,091,281 $28,849,128
Net PPE $3,579,493 $2,371,419 $1,294,391 $877,870
Accumulated Depreciation $-7,502,630 $-6,816,840 $-6,338,181 $-6,597,823
Gross PPE $11,082,123 $9,188,259 $7,632,572 $7,475,693
Leases $4,998,742 $4,123,294 $3,640,402 $3,550,768
Machinery Furniture Equipment $6,083,381 $5,064,965 $3,992,170 $3,924,925
Properties $0 $0 $0 $0
Non Current Deferred Revenue - $27,169,457 $17,940,599 $4,127,332
Other Properties - $122,230 $122,230 $122,230
Minority Interest - - $0 $0
Other Short Term Investments - - - -
Fetched: 2026-10-21
Cash Flow Statement (Annual)
Metric 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Free Cash Flow
Free Cash Flow $216,520,526 $226,030,915 $207,131,572 $92,967,684
Operating Activities
Operating Cash Flow $219,797,589 $228,161,145 $208,399,896 $93,874,572
Cash Flow From Continuing Operating Activities $219,797,589 $228,161,145 $208,399,896 $93,874,572
Operating Gains Losses $6,109,910 $-9,286,726 $1,465,043 $-16,495,470
Investing Activities
Capital Expenditure $-3,277,063 $-2,130,229 $-1,268,325 $-906,888
Investing Cash Flow $-159,700,924 $18,277,362 $-252,162,975 $-182,343,023
Cash Flow From Continuing Investing Activities $-159,700,924 $18,277,362 $-252,162,975 $-182,343,023
Net Other Investing Changes $-121,395,215 $-15,920,646 $-187,371,500 $-183,880,118
Financing Activities
Repurchase Of Capital Stock $-109,929,240 $-27,289,140 $-24,886,419 $-84,915,904
Financing Cash Flow $11,868,637 $-289,835,890 $183,839,326 $86,321,480
Cash Flow From Continuing Financing Activities $11,868,637 $-289,835,890 $183,839,326 $86,321,480
Net Other Financing Charges $129,605,139 $-209,674,564 $143,201,920 $174,011,798
Cash Dividends Paid $-23,180,285 $-17,469,373 $-8,746,908 $0
Net Common Stock Issuance $-109,929,240 $-27,289,140 $-24,886,419 $-70,118,396
Issuance Of Capital Stock - $0 $0 $14,797,508
Common Stock Issuance - $0 $0 $14,797,508
Dividend Received Cfo - $1,123,293 $2,982,364 $0
Other
Repayment Of Debt $-96,127,086 $-55,415,770 $-46,086,270 $-28,128,798
Issuance Of Debt $108,641,348 $19,994,609 $120,192,311 $10,515,337
Interest Paid Supplemental Data $4,349,500 $3,618,927 $3,481,776 $298,198
Income Tax Paid Supplemental Data $49,905,058 $43,296,809 $15,319,446 $5,596,876
End Cash Position $319,600,308 $248,868,659 $291,233,469 $150,814,744
Beginning Cash Position $248,868,659 $291,233,469 $150,814,744 $148,579,988
Effect Of Exchange Rate Changes $-1,233,652 $1,032,573 $342,478 $4,381,727
Changes In Cash $71,965,301 $-43,397,383 $140,076,247 $-2,146,971
Proceeds From Stock Option Exercised $2,858,761 $18,348 $164,693 $41,538
Common Stock Payments $-109,929,240 $-27,289,140 $-24,886,419 $-84,915,904
Net Issuance Payments Of Debt $12,514,262 $-35,421,161 $74,106,041 $-17,613,461
Net Short Term Debt Issuance $12,514,262 $-35,421,161 $74,106,041 $-14,421,759
Short Term Debt Payments $-96,127,086 $-55,415,770 $-46,086,270 $-24,937,096
Short Term Debt Issuance $108,641,348 $19,994,609 $120,192,311 $10,515,337
Net Investment Purchase And Sale $-35,037,381 $36,312,069 $-63,525,854 $-12,534,067
Sale Of Investment $8,665,447 $58,573,159 $0 $1,026,292
Purchase Of Investment $-43,702,828 $-22,261,090 $-63,525,854 $-13,560,359
Net PPE Purchase And Sale $-3,268,328 $-2,114,062 $-1,265,621 $-906,073
Sale Of PPE $8,735 $16,168 $2,704 $815
Purchase Of PPE $-3,277,063 $-2,130,229 $-1,268,325 $-906,888
Change In Working Capital $-43,187,923 $-40,635,277 $-20,703,750 $-79,086,297
Change In Other Working Capital $44,938,836 $12,277,700 $10,790,121 $-196,501
Change In Other Current Liabilities $1,961,548 $0 $-12,419,745 $-33,540,595
Change In Other Current Assets $-430,321 $-161,050 $-18,141 $234,055
Change In Payables And Accrued Expense $78,555,236 $42,744,867 $45,024,479 $40,929,209
Change In Accrued Expense $51,724,694 $22,669,463 $13,491,233 $12,609,456
Change In Payable $26,830,542 $20,075,404 $31,533,246 $28,319,752
Change In Tax Payable $26,830,542 $20,075,404 $31,533,246 $28,319,752
Change In Income Tax Payable $26,830,542 $20,075,404 $31,533,246 $28,319,752
Change In Prepaid Assets $35,347,823 $-36,654,102 $11,448,584 $-22,383,088
Change In Receivables $-203,561,047 $-58,842,693 $-75,529,048 $-64,129,377
Changes In Account Receivables $-203,562,260 $-60,761,838 $-76,370,416 $-65,340,771
Other Non Cash Items $-105,801,981 $-13,454,122 $17,976 $98,599
Stock Based Compensation $9,131,118 $6,017,525 $6,380,034 $8,018,484
Provisionand Write Offof Assets $171,173,625 $57,887,373 $45,334,556 $27,100,199
Deferred Tax $-38,648,208 $-4,081,111 $-2,630,779 $30,299,816
Deferred Income Tax $-38,648,208 $-4,081,111 $-2,630,779 $30,299,816
Depreciation Amortization Depletion $1,671,620 $1,078,178 $787,893 $995,434
Depreciation And Amortization $1,671,620 $1,078,178 $787,893 $995,434
Amortization Cash Flow $358,362 $349,367 $334,596 $337,476
Amortization Of Intangibles $358,362 $349,367 $334,596 $337,476
Depreciation $1,313,257 $728,811 $453,297 $657,958
Earnings Losses From Equity Investments $-3,851,586 $-1,521,542 $289,179 $6,328,112
Gain Loss On Investment Securities $9,960,943 $-7,756,753 $1,153,668 $-22,823,181
Gain Loss On Sale Of PPE $553 $-8,431 $22,196 $-401
Net Income From Continuing Operations $219,349,428 $230,635,305 $177,748,922 $121,614,615
Net Long Term Debt Issuance - $0 $0 $-3,191,701
Long Term Debt Payments - $0 $0 $-3,191,701
Net Intangibles Purchase And Sale - $0 $0 $14,977,235
Sale Of Intangibles - $0 $0 $14,977,235
Asset Impairment Charge - $0 $7,005,068 $1,329,192
Long Term Debt Issuance - - $0 $0
Purchase Of Intangibles - - - -
Fetched: 2026-10-21