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
23/07/26	US$4.780	+0.84%	37,067
22/07/26	US$4.740	-1.25%	40,317
21/07/26	US$4.800	+3.45%	53,771
20/07/26	US$4.640	0.00%	24,244
17/07/26	US$4.640	-2.52%	48,705

Delayed Quote NYSE

More quotes

Income Statement and Estimates

More financial data

Market Closed - NYSE Other stock markets 21:00:02 23/07/2026 BST			5-day change	1st Jan Change
4.780 ^USD	+0.84%		+0.42%	-14.64%

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

Market Cap	1.25B 184M 162M 150M 138M 259M 17.83B 264M 1.8B 702M 8.7B 691M 676M 30.17B	P/E 2024	1.93x	P/E 2025	1.11x
Enterprise Value	715M 106M 92.79M 86.2M 79.28M 149M 10.22B 151M 1.03B 402M 4.98B 396M 388M 17.29B	EV / Sales 2024	0.39x	EV / Sales 2025	0.15x
Free-Float	40.58%	Yield 2024	5.04%	Yield 2025	10%

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
03-25	X financial reports fourth quarter and fiscal year 2025 unaudited financial results	RE
11-21	X Financial, Q3 2025 Earnings Call, Nov 21, 2025
11-20	X Financial Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2025	CI

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
05-11	X Financial : Initial Statement of Beneficial Ownership (Form 3)	PU
05-11	X Financial : Initial Statement of Beneficial Ownership (Form 3)	PU

X Financial Share Price

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

Course Extremes

Managers and Directors: X Financial

Latest insider transactions

Financial Technology (Fintech) (NEC)

Financials

Company Profile

Quotes

Income Statement and Estimates

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

1 day	+0.84%
1 week	+0.42%
Current month	-1.24%
1 month	-2.05%
3 months	-3.43%
6 months	-20.20%
Current year	-14.64%

1 week	4.6	4.84
1 month	4.59	5.17
Current year	3.3	6.74
1 year	3.3	16.4
3 years	3.3	20.36
5 years	1.62	20.36
10 years	1.42	60.9

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

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

Date	Insider	Type	Main position	Quantity	% Market Cap.
15/06/26	Zheng Wan	Sell	Director	-180,000	0.0777%
01/06/26	Zheng Wan	Conversion	Director	90,000	0.0389%
18/03/26	Zheng Wan	Other	Director	270,000	0.1166%

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	+0.84%	+0.42%	-72.64%	+8.39%	184M
ROBINHOOD MARKETS, INC.	-2.78%	-4.19%	-0.49%	+696.08%	91.47B
INTUIT INC.	-1.03%	-4.50%	-63.72%	-42.84%	77.01B
ADYEN N.V.	+0.23%	-4.30%	-48.31%	-49.11%	28.55B
HITHINK ROYALFLUSH INFORMATION NETWORK CO., LTD.	+1.47%	+3.60%	+11.19%	+103.24%	25.37B
AFFIRM HOLDINGS, INC.	-3.66%	-10.81%	+8.49%	+315.95%	23.85B
FIDELITY NATIONAL INFORMATION SERVICES, INC.	-1.23%	-6.05%	-50.92%	-34.96%	20.7B
KASPI BANK	-2.65%	-2.83%	-4.60%	+4.42%	16.15B
CIRCLE INTERNET GROUP, INC.	-6.02%	+2.54%	-69.28%	-	15.46B
FUTU HOLDINGS LIMITED	-6.72%	+1.48%	-41.41%	+113.05%	13.87B
Average	+0.29%	-2.49%	-33.17%	+123.80%	31.26B
Weighted average by Cap.	+0.48%	-3.66%	-27.61%	+235.71%

	2024	2025
Net sales	5.87B 867M 762M 708M 651M 1.22B 83.95B 1.24B 8.47B 3.3B 40.95B 3.25B 3.18B 142B	7.64B 1.13B 992M 921M 848M 1.59B 109B 1.62B 11.02B 4.3B 53.27B 4.23B 4.14B 185B
Net income	1.54B 227M 200M 186M 171M 320M 22.02B 326M 2.22B 866M 10.74B 853M 835M 37.25B	1.46B 216M 190M 177M 162M 305M 20.94B 310M 2.11B 824M 10.21B 812M 794M 35.43B
Net Debt	-616M -90.92M -79.96M -74.29M -68.32M -128M -8.8B -130M -888M -346M -4.29B -341M -334M -14.9B	-532M -78.6M -69.13M -64.22M -59.07M -111M -7.61B -113M -768M -300M -3.71B -295M -289M -12.88B