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
02/10/26	US$4.940	-3.52%	65,942
01/10/26	US$5.120	-0.58%	30,123
30/09/26	US$5.150	-0.39%	32,953
29/09/26	US$5.170	+0.78%	42,787
28/09/26	US$5.130	-2.47%	36,644

Delayed Quote NYSE

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Market Closed - NYSE 21:00:02 02/10/2026 BST			5-day change	1st Jan Change
4.940 ^USD	-3.52%		-6.08%	-11.79%

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	1.28B 190M 169M 158M 144M 271M 18.29B 274M 1.91B 740M 9.35B 714M 699M 30.01B	P/E 2024	1.93x	P/E 2025	1.11x
Enterprise Value	743M 111M 98.5M 91.93M 83.79M 158M 10.66B 160M 1.11B 431M 5.45B 416M 407M 17.48B	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 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

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

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	-3.52%
1 week	-6.08%
Current month	-4.08%
1 month	-10.67%
6 months	+17.06%
Current year	-11.79%

1 week	4.94	5.43
1 month	4.74	5.62
Current year	3.3	6.74
1 year	3.3	14.86
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	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.
01/08/26	Long Gen Zhang	Conversion	Director	90,000	0.0389%
01/08/26	Zheng Xue	Conversion	Director	90,000	0.0389%
01/06/26	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.($)
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AFFIRM HOLDINGS, INC.	+0.48%	-1.05%	-8.60%	+246.06%	23.88B
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CIRCLE INTERNET GROUP, INC.	-2.00%	-8.71%	-45.73%	-	20.73B
KASPI BANK	+2.21%	-1.69%	+18.93%	-5.57%	17.87B
FIDELITY NATIONAL INFORMATION SERVICES, INC.	-1.99%	-8.39%	-51.18%	-40.19%	16.73B
FUTU HOLDINGS LIMITED	-4.00%	-8.67%	-38.54%	+78.90%	14.32B
Average	-0.74%	-4.56%	-33.90%	+158.62%	32.29B
Weighted average by Cap.	-0.14%	-3.41%	-33.34%	+372.88%

	2024	2025
Net sales	5.87B 876M 778M 726M 662M 1.25B 84.19B 1.26B 8.79B 3.41B 43.04B 3.29B 3.22B 138B	7.64B 1.14B 1.01B 945M 861M 1.62B 110B 1.64B 11.43B 4.43B 55.99B 4.28B 4.19B 180B
Net income	1.54B 230M 204M 190M 174M 327M 22.08B 330M 2.3B 893M 11.29B 862M 844M 36.22B	1.46B 218M 194M 181M 165M 311M 21B 314M 2.19B 849M 10.73B 820M 802M 34.45B
Net Debt	-616M -91.85M -81.61M -76.17M -69.43M -131M -8.83B -132M -922M -357M -4.51B -345M -337M -14.49B	-532M -79.41M -70.56M -65.85M -60.02M -113M -7.63B -114M -797M -309M -3.9B -298M -292M -12.52B