X Financial is a holding company principally engaged in online personal finance business. The Company is engaged in the connection of borrowers with institutional funding partners and the provision of online personal credit loan products. The Company's main product is Xiaoying Credit Loan, which mainly consists of Xiaoying Card Loan and other unsecured loan products. The Company is also engaged in the provision of secured loan products sunch as Xiaoying Housing Loan and others. The Company primarily conducts its businesses in domestic market.

Employees

643

Sector

Financial Technology (Fintech)

More about the company

Quotes

Date	Price	Change	Volume
26-10-28	US$4.850	-0.61%	29,602
26-10-27	US$4.880	+1.24%	27,396
26-10-26	US$4.820	0.00%	33,522
26-10-23	US$4.820	-0.82%	29,734
26-10-22	US$4.860	+0.83%	19,003

Delayed Quote NYSE

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Market Closed - NYSE 16:00:03 2026-10-28 EDT			5-day change	1st Jan Change
4.850 ^USD	-0.61%		+0.62%	-13.39%

08-24	X Financial, Q2 2026 Earnings Call, Aug 24, 2026
08-24	X Financial Reports Earnings Results for the Second Quarter and Six Months Ended June 30, 2026	CI

Market Cap	1.25B 187M 168M 155M 140M 262M 17.79B 265M 1.85B 738M 9.31B 701M 686M 29.56B	P/E 2024	1.93x	P/E 2025	1.11x
Enterprise Value	713M 107M 95.95M 88.71M 80.34M 150M 10.19B 152M 1.06B 422M 5.33B 401M 393M 16.92B	EV / Sales 2024	0.39x	EV / Sales 2025	0.15x
Free-Float	38.82%	Yield 2024	5.04%	Yield 2025	10%

Markets		Quality
NYSE	XYF	Delayed
CBOE	XYF	Real-time

08-24	X Financial, Q2 2026 Earnings Call, Aug 24, 2026
08-24	X Financial Reports Earnings Results for the Second Quarter and Six Months Ended June 30, 2026	CI
08-23	X Financial announces Semi-Annual dividend, payable on September 28, 2026	CI
06-17	X Financial Announces Executive Changes, Effective July 1, 2026	CI
06-17	X Financial Chief Risk Officer Yufan Jiang Resigns, Kan Li Named Interim Replacement	MT
05-28	X Financial, Q1 2026 Earnings Call, May 28, 2026
05-27	Tranche Update on X Financial's Equity Buyback Plan announced on May 19, 2025.	CI
05-27	X Financial Reports Earnings Results for the First Quarter Ended March 31, 2026	CI
04-30	Tranche Update on X Financial's Equity Buyback Plan announced on May 19, 2025.	CI
04-30	Tranche Update on X Financial's Equity Buyback Plan announced on May 19, 2025.	CI
03-26	X Financial, Q4 2025 Earnings Call, Mar 26, 2026
03-25	X Financial announces Semi-Annual dividend, payable on May 20, 2026	CI
03-25	X Financial Reports Earnings Results for the Fourth Quarter and Full Year Ended December 31, 2025	CI

X Financial Stock

Stocks

XYF

US98372W2026

Financial Technology (Fintech)

Valuation: X Financial

Chart: X Financial

Latest news: X Financial

Last Transcript: X Financial

Press Releases: X Financial

News in other languages: X Financial

Quotes and Performance

Price Extremes

Managers and Directors: X Financial

Latest insider transactions

Financial Technology (Fintech) (NEC)

Financials

Company Profile

Quotes

08-24	X Financial Reports Second Quarter 2026 Unaudited Financial Results	PR
08-18	X Financial to Report Second Quarter 2026 Financial Results on August 24, 2026	PR
06-17	X Financial Announces Leadership Change	PR
05-27	X Financial Reports First Quarter 2026 Unaudited Financial Results	PR
05-21	X Financial to Report First Quarter 2026 Financial Results on May 28, 2026	PR

22-07-14	Enel : insieme a Intesa Sanpaolo perfeziona acquisto della fintech Mooney
22-06-20	Intesa Sanpaolo : feu vert de l'UE pour le rachat de Mooney
22-06-20	Enel : l'UE autorise plusieurs acquisitions
22-05-03	HSBC: L'actionnaire principal Ping An appelle à une scission, le titre grimpe
22-03-01	Toshiba-Chef wirft im Streit um Konzernumbau das Handtuch

1 day	-0.61%
1 week	+0.62%
Current month	-5.83%
1 month	-5.46%
3 months	-2.22%
6 months	-1.42%
Current year	-13.39%

1 week	4.75	4.93
1 month	4.74	5.34
Current year	3.3	6.74
1 year	3.3	12.85
3 years	3.3	20.36
5 years	1.62	20.36
10 years	1.43	60.9

Manager	Title	Age	Since
Yue Tang CEO	Chief Executive Officer	55	2015-01-04
Kan Li PSD	President	52	2021-05-23
Fu Ya Zheng DFI	Director of Finance/CFO	60	2020-08-23

Director	Title	Age	Since
Yue Tang CHM	Chairman	55	2015-01-04
Shao Yong Cheng BRD	Director/Board Member	56	2017-11-30
Zheng Xue BRD	Director/Board Member	55	2018-08-31

Date	Insider	Type	Main position	Quantity	% Market Cap.
8/1/26	Long Gen Zhang	Conversion	Director	90,000	0.0389%
8/1/26	Zheng Xue	Conversion	Director	90,000	0.0389%
6/1/26	Zheng Wan	Conversion	Director	90,000	0.0389%

Add to a list 0 selected To use this feature you must be a member Log in Sign up	Change	5-day change	1-year change	3-year change	Capi.($)
X FINANCIAL	-0.61%	+0.62%	-59.58%	+19.16%	188M
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AFFIRM HOLDINGS, INC.	+0.88%	-0.26%	-3.42%	+333.08%	24.52B
CIRCLE INTERNET GROUP, INC.	+0.16%	-8.92%	-39.97%	-	20.81B
FIDELITY NATIONAL INFORMATION SERVICES, INC.	+2.44%	+0.16%	-44.67%	-22.65%	18.36B
KASPI BANK	+0.77%	-2.16%	+22.04%	-2.15%	17.25B
FUTU HOLDINGS LIMITED	-0.52%	-3.05%	-45.76%	+77.53%	14.35B
Average	-1.08%	-1.94%	-32.81%	+158.44%	32.36B
Weighted average by Cap.	-1.47%	-3.61%	-36.23%	+290.55%

	2024	2025
Net sales	5.87B 881M 790M 731M 662M 1.24B 83.88B 1.25B 8.73B 3.48B 43.89B 3.3B 3.24B 139B	7.64B 1.15B 1.03B 950M 861M 1.61B 109B 1.63B 11.36B 4.53B 57.11B 4.3B 4.21B 181B
Net income	1.54B 231M 207M 192M 174M 324M 22B 328M 2.29B 912M 11.51B 867M 848M 36.54B	1.46B 220M 197M 182M 165M 308M 20.92B 312M 2.18B 868M 10.95B 824M 807M 34.75B
Net Debt	-616M -92.37M -82.88M -76.62M -69.39M -130M -8.8B -131M -916M -365M -4.6B -347M -339M -14.61B	-532M -79.86M -71.65M -66.24M -59.99M -112M -7.61B -113M -792M -315M -3.98B -300M -293M -12.63B