Companies /Financial Services

X Financial

NYSE: XYF Credit Services
$5.08
▲ $0.13 (+2.63%) today
Markets closed · 1:22am ET

XYF at a Glance

Valuation
Market cap
$182.8M
P/E ratio
2.4
Dividend yield
11.30%
Profitability
Revenue (TTM)
$5.6B
Profit margin
10.1%
EPS (TTM)
$2.09
Price
52-week range
$3 – $13
Street target
$1.70
Earnings
Next report
Nov 19, 2026

Headquartered in Aerospace Science And Technology Plaza, Shenzhen Fiscal year ends December NYSE: XYF ir.xiaoyinggroup.com

About X Financial

X Financial (NYSE: XYF) is a Chinese fintech platform that connects borrowers with institutional funding partners. The company facilitates and originates consumer credit loans, primarily through its Xiaoying Credit Loans product, using proprietary big data-driven technology for risk assessment and borrower selection. X Financial has established strategic partnerships with financial institutions across multiple areas of its business, including loan facilitation, post-origination servicing, guarantee services, and direct financing. The company generates revenue from loan facilitation service fees, post-origination service fees, guarantee income, financing income, and other revenue streams. As of mid-2026, the company has served a cumulative 20.46 million borrowers since inception. The business operates in China's regulated internet lending market and is subject to evolving regulatory oversight across the consumer credit value chain. Updated

Latest Activity

Earnings on deck — Aug 24–28
113 companies65 before open48 after close

China consumer demand gets its verdict Monday before the open, when PDD and XPeng headline a 113-company week. Woodside Energy follows after the close, and DICK'S Sporting Goods tests the US shopper Tuesday morning.

  • XPEVXPeng Inc.Mon Aug 24Before open
  • PDDPDD Holdings Inc.Mon Aug 24Before open
  • NSSCNAPCO Security Technologies, Inc.Mon Aug 24Before open
  • GGRGogoro Inc.Mon Aug 24Before open
  • NCTYThe9 Ltd.Mon Aug 24Before open
  • XYFX FinancialMon Aug 24Before open
  • GRRRGorilla Technology Group Inc. Mon Aug 24After close
  • PICSPicS N.V.Mon Aug 24After close
  • TUYATuya Inc.Mon Aug 24After close
  • WDSWoodside Energy Group LtdMon Aug 24After close
  • DKSDICK'S Sporting Goods, Inc.Tue Aug 25Before open
  • BNSThe Bank of Nova ScotiaTue Aug 25Before open
  • GFIGold Fields LimitedTue Aug 25Before open
  • SLQTSelectQuote, Inc.Tue Aug 25Before open
  • VIPSVipshop Holdings LimitedTue Aug 25Before open
Read more

XYF Coverage

Frequently Asked Questions

What does X Financial do?

X Financial (NYSE: XYF) is a Chinese fintech platform that connects borrowers with institutional funding partners. The company facilitates and originates consumer credit loans, primarily through its Xiaoying Credit Loans product, using proprietary big data-driven technology for risk assessment and borrower selection.

What is the XYF stock price target?

The Wall Street consensus 12-month price target for XYF is $1.70.