Loading...
NYSE: XYF
X Financial
Financial Services · Financial - Credit Services
Market Cap
$34.24M
52w High
$20.36
52w Low
$4.63
P/E
0.13
Volume
128.20K
Outstanding Shares
7.10M
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/EBITDA0.09
Enterprise value$325.07M
Price / Book0.00
Stock splits
Nov 19, 20201:3
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 growth81%
Gross margin49.84%▲36.62%vs FY2023
Operating margin32.4%▼28.79%vs FY2023
ROE22.15%▲9.11%vs FY2023
Analyst consensus
Rating—
Target price—
⚠ Analyst ratings tend to be lagging indicators — upgrades often follow price gains rather than precede them. Use as one signal among many.
Earnings
Last 3 reported quarters plus the next estimate. Switch into compare mode to inspect one metric year-over-year.
Next report
Apr 1, 2026
View
EPS
Actual vs estimate by quarter
Q2'25
ActualEst.
$1.48
—
Q3'25
ActualEst.
$1.88
—
Q4'25
ActualEst.
$1.47
—
Q2'26
Next Est.
—
Revenue
Actual vs estimate by quarter
Q2'25
ActualEst.
$199.19M
—
Q3'25
ActualEst.
$245.35M
—
Q4'25
ActualEst.
$275.42M
—
Q2'26
Next Est.
—