X Financial (XYF)
| Market Cap | 181.03M -64.5% |
| Revenue (ttm) | 824.18M -25.4% |
| Net Income | 82.93M -67.8% |
| EPS | 2.13 -62.1% |
| Shares Out | 38.52M |
| PE Ratio | 2.21 |
| Forward PE | n/a |
| Dividend | $0.56 (11.90%) |
| Ex-Dividend Date | Sep 10, 2026 |
| Volume | 99,112 |
| Open | 5.010 |
| Previous Close | 4.960 |
| Day's Range | 4.605 - 5.060 |
| 52-Week Range | 3.300 - 12.565 |
| Beta | 0.41 |
| Analysts | n/a |
| Price Target | n/a |
| Est. Earnings | Nov 19, 2026 |
About XYF
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 f... [Read more]
Financial Performance
In 2025, X Financial's revenue was 7.64 billion, an increase of 30.10% compared to the previous year's 5.87 billion. Earnings were 1.46 billion, a decrease of -4.89%.
Financial numbers in CNY Financial StatementsNews
X Financial Earnings Call Transcript: Q2 2026
Disciplined operations led to improved margins and net income sequentially, despite sharp year-over-year declines in revenue and loan volumes. Credit quality showed early signs of improvement, and capital returns continued via buybacks and dividends.
X Financial Slides: Q2 2026
X Financial has posted slides in relation to its Q2 2026 quarterly earnings report, which was published on August 24, 2026.
X Financial Earnings release: Q2 2026
X Financial released its Q2 2026 earnings on August 24, 2026, summarizing the period's financial results.
X Financial Reports Second Quarter 2026 Unaudited Financial Results
SHENZHEN, China, Aug. 24, 2026 /PRNewswire/ -- X Financial (NYSE: XYF), a leading Chinese fintech platform, today announced its unaudited financial results for the second quarter ended June 30, 2026. ...
X Financial to Report Second Quarter 2026 Financial Results on August 24, 2026
SHENZHEN, China, Aug. 18, 2026 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company"), a leading online personal finance company in China, today announced that it will release its unaudited financial...
X Financial chief risk officer Yufan Jiang resigns
X Financial (XYF) announced that Yufan Jiang resigned from his position as the chief risk officer of the company, effective from July 1, due to personal reasons. Effective July 1,…
X Financial Announces Leadership Change
SHENZHEN, China, June 17, 2026 /PRNewswire/ -- X Financial (NYSE: XYF) ("X Financial" or the "Company" or "we"), a leading Chinese fintech platform, today announced that Mr. Yufan Jiang resigned from ...
X Financial Earnings Call Transcript: Q1 2026
Revenue and net income declined sharply year-over-year due to a deliberate pullback in loan origination and elevated credit costs, while guarantee income grew and operating margins improved sequentially. Regulatory uncertainty and industry-wide credit stress continue to weigh on outlook.
X Financial Earnings release: Q1 2026
X Financial released its Q1 2026 earnings on May 28, 2026, summarizing the period's financial results.
X Financial Slides: Q1 2026
X Financial has posted slides in relation to its Q1 2026 quarterly earnings report, which was published on May 28, 2026.
X Financial Reports First Quarter 2026 Unaudited Financial Results
SHENZHEN, China, May 27, 2026 /PRNewswire/ -- X Financial (NYSE: XYF), a leading Chinese fintech platform, today announced its unaudited financial results for the first quarter ended March 31, 2026. T...
X Financial to Report First Quarter 2026 Financial Results on May 28, 2026
SHENZHEN, China, May 21, 2026 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company"), a leading online personal finance company in China, today announced that it will release its unaudited financial ...
X Financial Files Annual Report on Form 20-F for Fiscal Year 2025
SHENZHEN, China, April 30, 2026 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company" or "we"), a leading online personal finance company in China, today announced it filed its annual report on Form ...
X Financial Shareholders Are Encouraged to Reach Out to Johnson Fistel for More Information About Potentially Recovering Their Losses
SAN DIEGO, March 27, 2026 (GLOBE NEWSWIRE) -- Johnson Fistel, PLLP is investigating potential claims on behalf of investors of X Financial (NYSE: XYF). The investigation focuses on X Financial executi...
X Financial Earnings Call Transcript: Q4 2025
Q4 2025 saw a sharp decline in loan origination, revenue, and profitability due to deliberate risk management and rising credit costs, while regulatory uncertainty and tighter controls weighed on outlook. Full year revenue grew, but net income fell year-over-year.
X Financial Earnings release: Q4 2025
X Financial released its Q4 2025 earnings on March 26, 2026, summarizing the period's financial results.
X Financial Slides: Q4 2025
X Financial has posted slides in relation to its Q4 2025 quarterly earnings report, which was published on March 26, 2026.
X Financial Annual report: Q4 2025
X Financial has published its Q4 2025 annual report on March 26, 2026.
X Financial Reports Fourth Quarter and Fiscal Year 2025 Unaudited Financial Results
SHENZHEN, China, March 25, 2026 /PRNewswire/ -- X Financial (NYSE: XYF), a leading Chinese fintech platform, today announced its unaudited financial results for the fourth quarter and fiscal year ende...
X Financial to Report Fourth Quarter and Fiscal Year 2025 Financial Results on March 26, 2026
SHENZHEN, China, March 19, 2026 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company"), a leading online personal finance company in China, today announced that it will release its unaudited financia...
X Financial Earnings Call Transcript: Q3 2025
Q3 2025 saw a deliberate slowdown in loan origination to prioritize asset quality amid rising delinquencies and regulatory headwinds. Revenue and net income grew year over year but declined sequentially, with strong liquidity and continued share repurchases supporting shareholder value.
X Financial Earnings release: Q3 2025
X Financial released its Q3 2025 earnings on November 21, 2025, summarizing the period's financial results.
X Financial Slides: Q3 2025
X Financial has posted slides in relation to its Q3 2025 quarterly earnings report, which was published on November 21, 2025.
X Financial (NYSE: XYF) Reports Q3 2025 Results: Revenue +23.9% YoY, Sequential Decline Amid Rising Credit Costs and Moderating Borrower Activity
SHENZHEN, China , Nov. 20, 2025 /PRNewswire/ -- X Financial (NYSE: XYF), a leading Chinese fintech platform, today announced its unaudited financial results for the third quarter ended September 30, 2...
X Financial to Hold Annual General Meeting on December 18, 2025
SHENZHEN, China , Nov. 18, 2025 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company" or "we"), a leading online personal finance company in China, today announced it will hold its 2025 annual genera...