YOLFTbeta
X Financial Class A

X Financial Class A

XYF · NYSE · Financial Services / Credit Services

5.52USD+0.02 (+0.36%)

Price History

Full chart

Market Stats

Previous Close5.50
Open5.54
Day Range5.48 – 5.60
52-Week Range2.96 – 13.31
Volume182.83K
Market Cap190.95M
P/E (TTM)2.33
Forward P/E0.00
EPS2.22
Dividend Yield10.92%
Beta0.48
50-Day Avg5.22
200-Day Avg5.12

About

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. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.

Company Details

  • SectorFinancial Services
  • IndustryCredit Services
  • CEOMr. Yue Tang
  • Employees643
  • HeadquartersAerospace Science and Technology Plaza, Shenzhen, China, 518067, USA
  • Websitehttps://ir.xiaoyinggroup.com

Leadership

  • Mr. Yue TangFounder, CEO & Chairman · b. 1972
  • Mr. Kan LiPresident, Acting Chief Risk Officer & Director · b. 1973
  • Mr. Ding GaoCo-Founder · b. 1987
  • Mr. Fuya ZhengChief Financial Officer · b. 1967
  • Ms. Jennifer ZhangInvestor Relations
  • Mr. Noah KauffmanChief Financial Strategy Officer · b. 1982

Financials

Income Statement

Currency: USD2016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue-39.17M1.00B2.17B1.28B-61.50M1.51B2.32B3.28B5.87B7.43B
Growth (%)-+2662.22%+116.25%-41.09%-104.81%+2558.38%+53.66%+41.07%+79.16%+26.56%
Cost of Revenue8.10M350.28M653.71M310.01M1.34B144.95M1.00B1.68B1.96B1.97B
Gross Profit-47.27M653.31M1.52B968.47M-1.40B1.37B1.32B1.60B3.91B5.47B
Gross Margin120.68%65.10%69.88%75.75%2275.39%90.41%56.92%48.76%66.62%73.55%
Operating Expense99.93M174.73M431.65M304.56M202.15M176.18M102.51M129.59M2.04B3.87B
Operating Income-147.20M478.58M1.08B663.92M-1.60B1.19B1.22B1.47B1.87B1.59B
Operating Margin375.81%47.69%49.99%51.93%2604.07%78.76%52.51%44.81%31.91%21.43%
EBITDA-144.14M483.94M1.09B675.30M-1.59B1.20B1.23B1.47B3.71B1.72B
EBITDA Margin368.00%48.22%50.43%52.82%2584.70%79.30%52.79%44.97%63.14%23.14%
Net Income-119.57M340.28M883.11M774.28M-1.31B825.41M812.00M1.19B1.54B1.42B
Net Income Margin305.28%33.91%40.69%60.56%2127.61%54.59%34.95%36.21%26.23%19.17%
R&D000-------
R&D as % of Total Revenue0.00%0.00%0.00%-------
Interest Expense002222354.22B19.39B833.11M1.37B1.58B3.37M
Interest Expense % of Total Revenue0.00%0.00%0.00%0.00%-6869.79%1282.20%35.86%41.83%26.95%0.05%

Balance Sheet

Currency: USD2016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets1.68B3.89B4.64B8.30B7.53B7.34B8.84B11.65B11.82B14.67B
Total Liabilities1.30B2.12B1.12B3.93B4.46B3.37B4.08B5.80B4.87B6.83B
Total Equity372.51M1.76B3.52B4.37B3.08B3.98B4.75B5.85B6.95B7.84B
Cash504.21M671.36M860.03M1.01B1.65B2.09B2.37B2.90B2.94B987.63M
Total Debt106.65M603.44M224.68M68.36M1.84B1.65B81.51M577.85M341.23M1.17B
Net Debt-504.21M-671.36M-662.03M-963.68M-1.30B-1.92B-2.29B-2.32B-2.60B181.06M

Cash Flow

Currency: CNY2016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow82.57M-615.33M5.35M600.57M-679.23M449.17M322.70M814.14M1.52B1.47B
Investing Cash Flow-734.72M-10.81M412.87M-3.08B-3.70B-2.35B-913.39M-1.11B122.03M-1.07B
Financing Cash Flow775.16M830.15M181.79M2.71B4.49B1.30B576.35M1.23B-1.94B79.24M
Capital Expenditure3.42M20.65M38.63M395.14M5.37M2.62M6.06M8.47M14.22M21.88M
Free Cash Flow79.14M-635.97M-33.28M205.42M-684.60M446.55M316.65M805.67M1.51B1.45B
Dividends Paid103.20M103.20M103.20M103.20M0103.20B058.40M116.64M154.77M
FCF to OCF95.85%103.36%-621.58%34.20%100.79%99.42%98.12%98.96%99.07%98.51%
Dividend Paid to FCF130.40%-16.23%-310.09%50.24%0.00%23109.78%0.00%7.25%7.73%10.71%

Earnings

Report DateAug 7, 2018Nov 19, 2018Mar 18, 2019May 20, 2019Aug 18, 2019Nov 20, 2019Mar 31, 2020Apr 27, 2020Aug 21, 2020Dec 31, 2020Mar 31, 2021Jun 30, 2021Sep 30, 2021Nov 23, 2021May 24, 2022Aug 9, 2022Nov 17, 2022May 25, 2023Aug 28, 2023Nov 22, 2023Mar 26, 2024May 30, 2024Aug 21, 2024Dec 19, 2024Mar 19, 2025May 19, 2025Aug 18, 2025Nov 20, 2025Mar 26, 2026May 28, 2026Aug 24, 2026Nov 19, 2026
EPS Estimate0.000.470.720.760.650.740.110.780.10-0.00---------------------
EPS Actual0.300.360.750.690.890.45-0.520.30-0.31-1.870.530.610.760.760.400.500.560.731.070.970.531.021.151.081.131.401.851.410.200.140.65-
Surprise--23.40%4.17%-9.21%36.92%-39.19%-571.55%-61.54%-410.90%-----------------------
TimingPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hours------After-hoursAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours---After-hours--Pre-market-

Key Statistics & Ratios

Market Cap190.95M
Enterprise Value83.31M
Trailing P/E2.33
Forward P/E0.00
Price / Sales0.03
Price / Book0.17
EPS2.22
Book Value29.53
Revenue (TTM)5.60B
Gross Profit (TTM)3.37B
EBITDA2.94B
Profit Margin10.06%
Operating Margin49.93%
Return on Equity7.28%
Return on Assets14.17%
Shares Outstanding20.67M
Shares Float13.87M
Beta0.48
Dividend Yield10.92%
Dividend Rate0.56
Payout Ratio23.36%

Ownership Breakdown

Institutions
4.02%
Insiders
16.66%
Retail / Other
79.32%

Top Institutional Holders

  • Acadian Asset Management LLC
    269.49K0.73%
  • Two Sigma Investments LLC
    190.78K0.52%
  • Qube Research & Technologies
    168.63K0.46%
  • O'Shaughnessy Asset Management LLC
    131.68K0.36%
  • Trexquant Investment LP
    113.22K0.31%
  • Morgan Stanley - Brokerage Accounts
    104.43K0.28%
  • Renaissance Technologies Corp
    85.04K0.23%
  • Citadel Advisors Llc
    79.35K0.21%
  • UBS Group AG
    44.06K0.12%
  • Ramsey Quantitative Systems Inc
    27.84K0.08%
  • GSA Capital Partners LLP
    25.97K0.07%
  • State Street Corp
    23.23K0.06%
  • SmartHarvest Portfolios, LLC
    15.42K0.04%
  • Jane Street Group LLC
    14.54K0.04%
  • Amvescap Plc.
    14.47K0.04%
  • JPMorgan Chase & Co
    14.07K0.04%
  • HRT FINANCIAL LLC
    12.53K0.03%

Top Fund Holders

  • ActivePassive International Equity ETF
    28.86K0.08%
  • State Street® SPDR® S&P® EM Sm Cp ETF
    20.51K0.06%
  • Haas invest4 innovation S
    11.04K0.03%

Dividends

20262×
0.28Sep 10, 20260.28Apr 30, 2026
20252×
0.28Sep 26, 20250.25Jun 20, 2025
20242×
0.17Sep 4, 20240.17May 9, 2024
20231×
0.17Sep 18, 2023
20191×
0.30Apr 4, 2019

Stock Splits

  • Nov 19, 20201:3