X Financial
XYFNYSEFinancialsCredit Services
As of Oct 23, 2026 close
- Market cap
- $182.80M
- P/E (TTM)
- 2.17
- Forward P/E
- 4.58
- Dividend yield
- 11.52%
- 52-week range
- $3.30$13.16
- Volume (live)
- -
- Avg. volume (3M)
- 58.70K
X Financial (XYF) Stock Price & Financial Analysis
X Financial Stock Price Chart
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Financial Metrics & Key Statistics
Fundamental metrics, valuation ratios, and profitability indicators
| Day's Range | $4.77 - $4.86 |
|---|---|
| 52-Week High | $13.16 |
| 52-Week Low | $3.30 |
| Open | $4.80 |
| Volume (last close) | 29.73K |
| Average Volume (3M) | 58.70K |
| Revenue (TTM) | 839.08M |
|---|---|
| Net Income (TTM) | 84.43M |
| Free Cash Flow (TTM) | 216.67M |
| EPS (TTM) | $2.12 |
| Profit Margin | 10.06% |
| Operating Margin | 12.70% |
| Return on Equity (ROE) | 7.26% |
| Debt to Equity | 0.05 |
| Annual Dividend | $0.56 |
|---|---|
| Dividend Yield | 11.52% |
| Payout Ratio | 26.36% |
| Last Dividend Ex-Date | Sep 10, 2026 |
| Market Cap | 182.80M |
|---|---|
| Shares Outstanding | 37.93M |
| P/E Ratio (TTM) | 2.17 |
| Forward P/E | 4.58 |
| Price to Sales (P/S) | 0.22 |
| Price to Book (P/B) | 0.16 |
| EV/EBITDA | 0.21 |
| 50-Day MA | $5.24 |
|---|---|
| 200-Day MA | $5.03 |
| 1-Year Change | −61.64% |
Source: Market prices and company fundamentals. Data as of Oct 23, 2026. Data sources and methodology
X Financial at a Glance
As of the Oct 23, 2026 close, X Financial (XYF) has a market capitalization of $182.80M. The stock trades at 2.2× trailing earnings, 4.6× forward earnings and 0.2× sales. Over the trailing twelve months it earned $84.43M on revenue of $839.08M (a 10.1% profit margin) and generated $216.67M of free cash flow. Revenue fell 14.8% year over year.
As of its latest reported balance sheet, it holds $169.62M in cash and securities against $59.38M of debt, a net cash position of $110.24M.
X Financial pays a semi-annual dividend totaling $0.56 per share a year, a 11.52% yield at the Oct 23, 2026 close, with a 26% payout ratio and 2 consecutive years of dividend increases.
The share price is down 61.6% over the past year. At $4.82 (the Oct 23, 2026 close) it sits within its 52-week range of $3.30 to $13.16, below its 200-day moving average of $5.03.
Frequently Asked Questions About X Financial
What is the current stock price for XYF?
As of the Oct 23, 2026 close, XYF stock trades at $4.82. The 52-week range is $3.30–$13.16, with a day range of $4.77–$4.86.
What is the P/E ratio for XYF?
As of the Oct 23, 2026 close, X Financial's trailing twelve-month (TTM) P/E ratio is 2.2, meaning investors pay $2.2 for every $1 of annual earnings. The forward P/E is 4.6, reflecting analyst expectations for future earnings. X Financial operates in the Financials sector.
Does XYF pay dividends?
Yes, X Financial pays a 11.52% annual dividend yield as of the Oct 23, 2026 close ($0.56 per share a year). The trailing twelve-month payout ratio is 26.4%. The most recent ex-dividend date was September 10, 2026.
What do analysts recommend for XYF?
Analyst ratings and recommendations for XYF are displayed in the Analyst Consensus section, including buy/hold/sell distribution and 12-month price targets.
What is the market cap of XYF?
As of the Oct 23, 2026 close, X Financial's market capitalization is $182.8M, classifying it as a micro-cap company. X Financial operates in the Financials sector within the Credit Services industry.