Reading the tape
NYSE: XYF
X Financial
Financial Services · Financial - Credit Services
Market Cap
$33.21M
52w High
$20.36
52w Low
$3.30
P/E
0.15
Volume
112.51K
Outstanding Shares
6.78M
Price vs Fundamentals
Why The Stock Is Moving
Likely multiple compressionModerate confidence
Note: The most recent financial data is over 3 months old. Metrics shown may not reflect the latest reporting period.
1Y Price: -66.07%Revenue (TTM): 63.63%P/E: 0th pct
What changed
The stock fell 66.07% over the last year. Revenue grew 63.63% over the trailing twelve months. Operating margin moved from 44.44% to 24.23%.
What the market seems to be pricing
Visible fundamentals weakened far less than the stock price, and the shares now sit around the 0th percentile of their historical P/E range. That looks more like a rerating of the multiple than a collapse in the business.
What would invalidate this read
This read changes if operating margin (currently 24.23%) continues to decline, or if revenue growth turns negative. The bull case requires the business to hold its current trajectory.
Company profile
X Financial provides personal finance services in the People's Republic of China.
CEOYue Tang
SectorFinancial Services
IndustryFinancial - Credit Services
Employees563
IPO dateSep 19, 2018
Valuation
Forward P/E—
EV/EBITDA-0.85
Enterprise value-$1.46B
Price / Book0.00
Stock splits
Nov 19, 2020↓ Reverse
Every 3 shares became 1
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Revenue growth17.5%
Gross margin54.47%▲10.40%vs FY2024
Operating margin24.23%▼32.86%vs FY2024
ROE18.17%▼17.97%vs FY2024
Analyst consensus
Rating—
Target price—
Analyst ratings tend to be lagging indicators. Use as one signal among many.
Earnings
Full quarter-by-quarter history of actuals vs estimates. Switch into compare mode to inspect one metric year-over-year.
Next report
Apr 1, 2026
Q2 FY26 · EPS est $0.29 · Revenue est $232.82M
View
Dividends
$0.56/shareSemi-annualSafeXYF pays a dividend with a 11.43% dividend yield, covered 9.3× by free cash flow.
Dividend Yield
11.43%
Annual Div / Share
$0.56
TTM $3.81
CAGR
—
Payout Ratio
10.57%
Safe
Dividend Growth Rate
Dividend Safety
10/10Safe
Dividend History
Annualized dividend cycles per share
YearAnnual DivYoY
2026$0.56+33.4%
2025$0.42+23.5%
2024$0.34—
Income Projection
Invest
$
Growth rate:
Reinvest dividends
Today
$114/yr
$10/mo
In 5 yrs
$114/yr
$10/mo
In 10 yrs
$114/yr
$10/mo
| Today | In 5 yrs | In 10 yrs |
|---|---|---|
$114/yr $10/mo | $114/yr $10/mo | $114/yr $10/mo |
Analysis
Dividend Strengths
Well-covered by free cash flow
The dividend is covered 9.3× by free cash flow, indicating the company generates sufficient cash to sustain and potentially grow the payout without straining its finances.
Risks to Watch
No strong risk signal stands out from the latest period pair.