X Financial
Research X Financial (XYF) on Bullrun: market cap USD 117.52M, P/E 2.7, dividend yield 11.1%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerXYF
- ExchangeNYSE
- CountryChina
- SectorFinancial Services
- IndustryCredit Services
- CurrencyUSD
- Market capUSD 117.52M
- P/E2.7
- Dividend yield11.1%
- Financial periodQ2 2026
- RevenueCNY 993.58M
- Net incomeCNY 46.98M
- Gross margin57.5%
Valuation Snapshot
latest market cap is USD 117.52M; P/E is 2.7; dividend yield is 11.1%.
Peer valuation comparison
Latest P/E is 2.67x versus a Financial Services sector median of 13.39x (80.1% below).
Latest dividend yield is 11.07% versus a Financial Services sector median of 3.66% (202.9% above).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | CNY 7.64B | CNY 1.46B | CNY 1.45B | 73.3% | 35.22 | CNY 987.63M | CNY 1.17B | CNY 7.84B |
| FY2024 | CNY 5.87B | CNY 1.54B | CNY 1.51B | 70.0% | 31.5 | CNY 984.61M | CNY 528.87M | CNY 6.95B |
| FY2023 | CNY 4.81B | CNY 1.19B | CNY 1.38B | 67.3% | 24.48 | CNY 1.20B | CNY 639.76M | CNY 5.85B |
| FY2022 | CNY 3.56B | CNY 812.00M | CNY 620.73M | 62.5% | 15.12 | CNY 602.27M | CNY 81.51M | CNY 4.75B |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-10-09 | USD 117.52M | 2.7 | 10.9% | 0.56 |
| 2025 | 2025-12-31 | USD 218.88M | 1.2 | n/a | n/a |
| 2024 | 2024-12-31 | USD 348.02M | 1.9 | 4.1% | 0.34 |
| 2023 | 2023-12-29 | USD 176.23M | 1.0 | n/a | n/a |
| 2022 | 2022-12-30 | USD 165.66M | 1.6 | n/a | n/a |
| 2021 | 2021-12-31 | USD 165.11M | 1.3 | n/a | n/a |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 0.56 USD, yield 11.1%.
| Year | Dividends/share |
|---|---|
| FY2025 | 0.09 CNY |
| FY2024 | 0.34 CNY |
About X Financial
X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. The company offers Xiaoying credit loans, which are online personal credit loan products comprising Xiaoying card loans and other unsecured loan products; and Xiaoying housing loans, a secured home equity loan product. It also provides guarantee, consulting, e-commerce, and microcredit services.
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Frequently asked questions
What is X Financial's market cap?
X Financial's market capitalization is USD 117.52M.
What is X Financial's P/E ratio?
X Financial's price-to-earnings (P/E) ratio is 2.7.
Does X Financial pay a dividend?
X Financial has a dividend yield of 11.1%.
What does X Financial do?
X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. The company offers Xiaoying credit loans, which are online personal credit loan products comprising Xiaoying card loans and other unsecured loan products; and Xiaoying housing loans, a secured home equity loan product. It also provides guarantee, consulting, e-commerce, and microcredit services. In addition, the company engages in the technology development and service, as well as the sale of products.