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    xyf-img

    X Financial Class A, Common Stock

    XYF

    NYQ

    $8.65

    +$0.19

    (2.25%)

    1D
    Industry: Consumer Finance Sector: Financials

    Analyst Forecast

    Overview Returns Financials Ratios News FAQs

    Price Chart

    Key Metrics

    Market Cap info-icon
    This is a company’s total value as determined by the stock market. It is calculated by multiplying the total number of a company's outstanding shares by the current market price of one share.
     $410.11M
    P/E Ratio info-icon
    This is the ratio of a security’s current share price to its earnings per share. This ratio determines the relative value of a company’s share.
     2.2884
    Volume info-icon
    This is the total number of shares traded during the most recent trading day.
     218.84K
    Avg Volume info-icon
    This is the average number of shares traded during the most recent 30 days.
     0
    Dividend Yield info-icon
    This ratio shows how much income you earn in dividend payouts per year for every dollar invested in the stock (or the stock’s annual dividend payment expressed as a percentage of its current price).
     4.89%
    Beta info-icon
    This measures the expected move in a stock’s price relative to movements in the overall market. The market, such as the S&P 500 Index, has a beta of 1.0. If a stock has a Beta greater (or lower) than 1.0, it suggests that the stock is more (or less) volatile than the broader market.
     0.32
    52-week Range info-icon
    This shows the range of the stock’s price between the 52-week high (the highest price of the stock for the past 52 weeks) and the 52-week low (the lowest price of the stock for the past 52 weeks).
    $3.21 L
    $8.59 H
    $8.65

    About X Financial Class A, Common Stock

    X Financial provides personal finance services in the People's Republic of China. The company offers services as an online marketplace connecting borrowers and investors or institutional funding partners. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as funds, money market, and insurance products; and loan facilitation services to other platforms. In addition, it engages in the technology development, service, and sale of products; and provision of guarantee and consulting services. The company was incorporated in 2014 and is headquartered in Shenzhen, the People's Republic of China. more

    Industry: Consumer FinanceSector: Financials

    Returns

    Time FrameXYFSectorS&P500
    1-Week Return5.75%-0.23%1.53%
    1-Month Return21.66%7.15%4.75%
    3-Month Return41.57%4.15%2.77%
    6-Month Return104.98%20.09%12.18%
    1-Year Return116.79%32.23%22.34%
    3-Year Return162.92%30.36%38.91%
    5-Year Return115.17%65.86%80.7%
    10-Year Return-75.91%219.9%190.95%

    Financials

    Dec '19Dec '20Dec '21Dec '22Dec '235YR TREND
    Total Revenue1.28B(61.50M)1.51B1.54B1.89B[{"date":"2019-12-31","value":67.79,"profit":true},{"date":"2020-12-31","value":-3.26,"profit":false},{"date":"2021-12-31","value":80.17,"profit":true},{"date":"2022-12-31","value":81.52,"profit":true},{"date":"2023-12-31","value":100,"profit":true}]
    Cost of Revenue1.70B2.32B2.04B2.29B3.10B[{"date":"2019-12-31","value":54.72,"profit":true},{"date":"2020-12-31","value":74.76,"profit":true},{"date":"2021-12-31","value":65.8,"profit":true},{"date":"2022-12-31","value":73.74,"profit":true},{"date":"2023-12-31","value":100,"profit":true}]
    Gross Profit(417.41M)(2.38B)(527.09M)(747.91M)(1.21B)[{"date":"2019-12-31","value":-41741333500,"profit":false},{"date":"2020-12-31","value":-237821006000,"profit":false},{"date":"2021-12-31","value":-52709161500,"profit":false},{"date":"2022-12-31","value":-74790646900,"profit":false},{"date":"2023-12-31","value":-121297829800,"profit":false}]
    Gross Margin(32.65%)3867.01%(34.86%)(48.65%)(64.31%)[{"date":"2019-12-31","value":-0.84,"profit":false},{"date":"2020-12-31","value":100,"profit":true},{"date":"2021-12-31","value":-0.9,"profit":false},{"date":"2022-12-31","value":-1.26,"profit":false},{"date":"2023-12-31","value":-1.66,"profit":false}]
    Operating Expenses356.72M227.56M241.19M227.70M278.22M[{"date":"2019-12-31","value":100,"profit":true},{"date":"2020-12-31","value":63.79,"profit":true},{"date":"2021-12-31","value":67.61,"profit":true},{"date":"2022-12-31","value":63.83,"profit":true},{"date":"2023-12-31","value":77.99,"profit":true}]
    Operating Income681.17M(1.61B)1.19B1.19B1.44B[{"date":"2019-12-31","value":47.38,"profit":true},{"date":"2020-12-31","value":-111.87,"profit":false},{"date":"2021-12-31","value":83.06,"profit":true},{"date":"2022-12-31","value":83.1,"profit":true},{"date":"2023-12-31","value":100,"profit":true}]
    Total Non-Operating Income/Expense410.53M641.43M574.71M1.09B2.49B[{"date":"2019-12-31","value":16.48,"profit":true},{"date":"2020-12-31","value":25.74,"profit":true},{"date":"2021-12-31","value":23.07,"profit":true},{"date":"2022-12-31","value":43.71,"profit":true},{"date":"2023-12-31","value":100,"profit":true}]
    Pre-Tax Income663.91M(1.60B)1.19B1.22B1.44B[{"date":"2019-12-31","value":46.23,"profit":true},{"date":"2020-12-31","value":-111.51,"profit":false},{"date":"2021-12-31","value":82.91,"profit":true},{"date":"2022-12-31","value":85.19,"profit":true},{"date":"2023-12-31","value":100,"profit":true}]
    Income Taxes(93.10M)(299.88M)368.73M389.36M249.44M[{"date":"2019-12-31","value":-23.91,"profit":false},{"date":"2020-12-31","value":-77.02,"profit":false},{"date":"2021-12-31","value":94.7,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":64.06,"profit":true}]
    Income After Taxes757.02M(1.30B)822.07M834.10M1.19B[{"date":"2019-12-31","value":63.79,"profit":true},{"date":"2020-12-31","value":-109.68,"profit":false},{"date":"2021-12-31","value":69.27,"profit":true},{"date":"2022-12-31","value":70.28,"profit":true},{"date":"2023-12-31","value":100,"profit":true}]
    Income From Continuous Operations774.48M(1.31B)825.41M812.00M1.19B[{"date":"2019-12-31","value":65.26,"profit":true},{"date":"2020-12-31","value":-110.25,"profit":false},{"date":"2021-12-31","value":69.55,"profit":true},{"date":"2022-12-31","value":68.42,"profit":true},{"date":"2023-12-31","value":100,"profit":true}]
    Income From Discontinued Operations-----[{"date":"2019-12-31","value":"-","profit":true},{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":"-","profit":true}]
    Net Income774.28M(1.30B)825.41M812.00M1.19B[{"date":"2019-12-31","value":65.24,"profit":true},{"date":"2020-12-31","value":-109.68,"profit":false},{"date":"2021-12-31","value":69.55,"profit":true},{"date":"2022-12-31","value":68.42,"profit":true},{"date":"2023-12-31","value":100,"profit":true}]
    EPS (Diluted)1.58(2.07)--6.89[{"date":"2019-12-31","value":22.95,"profit":true},{"date":"2020-12-31","value":-30.07,"profit":false},{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":100,"profit":true}]

    Ratios

    Asset Efficiency

    These ratios help you understand the company's efficiency in using its assets to generate returns. Higher is better. For ROE, average long term is around 14%, less than 10% is poor.

    XYF
    ROA (LTM) 9.95%
    ROE (LTM) 21.30%

    Liabilities

    These ratios help you understand the company's liabilities, gauging the riskiness of the investment.

    XYF
    Debt Ratio Lower is generally better. Negative is bad. 0.41
    Common Equity/Total Assets Higher is better. Lower can suggest investment is riskier. 0.59

    Valuation

    These ratios help you understand the company's valuation. Lower may indicate cheaper stocks.

    XYF
    Trailing PE 2.28
    Forward PE NM
    P/S (TTM) 0.07
    P/B 0.42
    EV/R 1.49
    EV/Ebitda NM

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    FAQs

    What is X Financial Class A share price today?

    X Financial Class A (XYF) share price today is $8.65

    Can Indians buy X Financial Class A shares?

    Yes, Indians can buy shares of X Financial Class A (XYF) on Vested. To buy X Financial Class A from India, you can open a US Brokerage account on Vested today by clicking on Sign Up or Invest in XYF stock at the top of this page. The account opening process is completely digital and secure, and takes a few minutes to complete.

    Can Fractional shares of X Financial Class A be purchased?

    Yes, you can purchase fractional shares of X Financial Class A (XYF) via the Vested app. You can start investing in X Financial Class A (XYF) with a minimum investment of $1.

    How to invest in X Financial Class A shares from India?

    You can invest in shares of X Financial Class A (XYF) via Vested in three simple steps:

    • Click on Sign Up or Invest in XYF stock at the top of this page
    • Breeze through our fully digital and secure KYC process and open your US Brokerage account in a few minutes
    • Transfer USD funds to your US Brokerage account and start investing in X Financial Class A shares
    What is X Financial Class A 52-week high and low stock price?

    The 52-week high price of X Financial Class A (XYF) is $8.59. The 52-week low price of X Financial Class A (XYF) is $3.21.

    What is X Financial Class A price-to-earnings (P/E) ratio?

    The price-to-earnings (P/E) ratio of X Financial Class A (XYF) is 2.2884

    What is X Financial Class A price-to-book (P/B) ratio?

    The price-to-book (P/B) ratio of X Financial Class A (XYF) is 0.42

    What is X Financial Class A dividend yield?

    The dividend yield of X Financial Class A (XYF) is 4.89%

    What is the Market Cap of X Financial Class A?

    The market capitalization of X Financial Class A (XYF) is $410.11M

    What is X Financial Class A’s stock symbol?

    The stock symbol (or ticker) of X Financial Class A is XYF

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