X FINANCIAL-ADR
XYFNYSETrading Snapshot
- Day Range
- $5.13 – $5.22
- 52-Week Range
- $3.30 – $14.86
- Volume
- $4.93B
- Avg Volume
- $5.63B
- Shares Outstanding
- 6.7M
- Next Earnings
- Nov 20, 2026
Fundamentals Snapshot
- Annual Revenue
- $7.43B
- Last Q Revenue
- $991M
- P/E Ratio
- 0.4
- P/S Ratio
- 0.0x
- EPS (TTM)
- $89.84
- Dividend Yield
- 10.92%
- Dilution (1yr)
- −17.4%
Why Investors Own XYF
- ✓High-growth profile — revenue up +37.5% YoY with expanding US Equity exposure.
- ✓Healthy economics — 45% gross margin and 25% free-cash-flow margin.
- ✓New products and segments could unlock additional revenue streams.
Execution delays, intensifying competition, and valuation compression if growth decelerates.
X FINANCIAL-ADR
XYF
StockOtter · stockotter.spaceAbout X FINANCIAL-ADR
Operating in the People's Republic of China, X Financial delivers personal financial solutions, primarily functioning as an online platform that connects individuals seeking funds with potential investors. The company's diverse lending portfolio encompasses the Xiaoying credit loan, which features the Xiaoying card loan component; the Xiaoying preferred loan, specifically tailored for small enterprise owners; and the Xiaoying revolving loan. Beyond these offerings, X Financial also provides the Xiaoying housing loan, a home equity product for property owners. Through its Xiaoying wealth management platform, clients can access various investment vehicles, including loans, money market instruments, and insurance products. Furthermore, the company extends loan facilitation support to other external platforms. X Financial was established in 2014 and maintains its corporate headquarters in Shenzhen, China.
Otter Score Breakdown
How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)Analyst Ratings
ⓘLatest News & Updates
X Financial: Pros And Cons Of Owning The Stock
I initiate X Financial at 'Hold' after considering the positive and negative read-throughs from its recent quarterly disclosures. XYF's 2Q26 revenue fell 16% QoQ, with loan facilitation income dropping sharply amid a cau
X Financial (XYF) Q2 2026 Earnings Call Transcript
X Financial (XYF) Q2 2026 Earnings Call Transcript
X Financial Q2 Earnings Call Highlights
X Financial NYSE: XYF reported lower second-quarter revenue and loan origination volumes as it maintained a conservative operating approach focused on credit quality, liquidity and balance-sheet strength. Management said
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. This press release s
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 results for the sec