NYSE · XYF
X Financial
Financial Services · Financial - Credit Services
$5.18▼ 6.16% ($0.34)at close
As of 4:00 PM ET
Market cap
$34.45M
P/E
0.39
Volume
37.75K
Shares outstanding
6.65M
Price vs Fundamentals
Why The Stock Is Moving
What changed
The stock fell 62.22% over the last year. Revenue declined 14.68% over the trailing twelve months. Operating margin moved from 33.58% to 12.86%.
What the market seems to be pricing
The market appears to be responding to weaker operating momentum rather than only rerating the stock.
What would invalidate this read
Operating margin stands at 12.86%. Revenue declined 14.68% — this read reverses if that trend stabilizes. If margins and cash flow stabilize while the stock stays depressed, the gap shifts from fundamental damage toward pure multiple compression.
Performance
Return analysis
Company profile
Operating in the People's Republic of China, X Financial delivers personal financial solutions, primarily functioning as an online platform that connects individuals seeking funds with potential investors.
Market multiples
Stock splits
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.
Analyst consensus
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
Nov 25, 2026
Q4 FY26 · EPS est $0.30 · Revenue est $161.56M
View
Dividends
$0.56/shareSemi-annualEx-div Sep 10, 2026 · in 0dXYF pays a dividend with a 10.81% declared yield.
Declared Yield
10.81%
Annual Div / Share
$0.56
TTM $3.75
3yr CAGR
+8.87%
Payout Ratio
27.53%
Bank — specialized metrics apply
Dividend Growth Rate
3yr CAGR
+8.87%
Dividend History
Annualized dividend cycles per share
Income Projection
Today
$9/mo
In 5 yrs
$9/mo
In 10 yrs
$9/mo
| Today | In 5 yrs | In 10 yrs |
|---|---|---|
$108/yr $9/mo | $108/yr $9/mo | $108/yr $9/mo |
5yr and 10yr income use the current dividend with no growth assumption because bank payout growth depends on earnings cycles, regulation, and capital policy.