X Financial
Research X Financial (XYF) on Bullrun: market cap USD 123.68M, P/E 1.6, dividend yield 5.2%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerXYF
- ExchangeNYSE
- CountryChina
- SectorFinancial Services
- IndustryCredit Services
- CurrencyUSD
- Market capUSD 123.68M
- P/E1.6
- Dividend yield5.2%
- Financial periodQ1 2026
- RevenueCNY 1.18B
- Net incomeCNY 37.95M
- Gross margin58.6%
Valuation Snapshot
latest market cap is USD 123.68M; P/E is 1.6; dividend yield is 5.2%.
Peer valuation comparison
Latest P/E is 1.59x versus a Financial Services sector median of 13.84x (88.5% below).
Latest dividend yield is 5.19% versus a Financial Services sector median of 3.86% (34.6% above).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | CNY 1.09B | CNY 209.43M | CNY 206.73M | 73.6% | 0.84 | CNY 141.23M | CNY 58.56M | CNY 1.12B |
| FY2024 | CNY 2.51B | CNY 1.54B | n/a | n/a | 31.38 | CNY 2.94B | CNY 341.23M | CNY 6.95B |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 123.68M | 1.6 | 5.2% | 0.28 |
| 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 0.28 USD, yield 5.2%.
| Year | Dividends/share |
|---|---|
| FY2025 | 0.09 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 123.68M.
What is X Financial's P/E ratio?
X Financial's price-to-earnings (P/E) ratio is 1.6.
Does X Financial pay a dividend?
X Financial has a dividend yield of 5.2%.
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.