X Financial Class Stock Today
| XYF Stock | USD 5.26 0.15 2.94% |
PerformanceWeakest
| Odds Of DistressLow
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X Financial is trading at 5.26 as of the 9th of February 2026. This is a 2.94% up since the beginning of the trading day. The stock's lowest day price was 5.12. X Financial has only a 6 % chance of going through financial distress over the next few years, but has generated negative returns over the last 90 days. The performance scores are derived for the period starting the 11th of November 2025 and ending today, the 9th of February 2026. Click here to learn more.
Business Domain Financial Services | IPO Date 18th of September 2018 | Classification Financials |
X Financial provides personal finance services in the Peoples Republic of China. X Financial was founded in 2014 and is headquartered in Shenzhen, the Peoples Republic of China. X Financial operates under Credit Services classification in the United States and is traded on New York Stock Exchange. The company has 22.8 M outstanding shares of which 130.83 K shares are at this time shorted by investors with about 0.58 days to cover. More on X Financial Class
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ESG Sustainability
Environmental | Governance | Social |
| Vice Chairman of the Board | Shaoyong Cheng | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Business Concentration | Consumer Finance, Financial Services, NYSE Composite, NASDAQ Golden Dragon, Financials, Consumer Finance, Credit Services, Financial Services (View all Sectors) | |||||||||||||||||||||||||||||||||||||||||||||||||||||||
Financial Strength
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Debt LevelsX Financial utilizes debt financing to potentially enhance returns on invested capital. The relationship between total debt and total assets provides valuable insight into X Financial's leverage profile, showing how much of X Financial's resources are funded through borrowing.
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X Financial Class (XYF) is traded on New York Stock Exchange in USA and employs 563 people. X Financial is listed under Consumer Finance category by Fama And French industry classification. The company currently falls under 'Small-Cap' category with a total capitalization of 215.05 M. X Financial Class runs under Consumer Finance sector within Financials industry. The entity has 22.8 M outstanding shares of which 130.83 K shares are at this time shorted by investors with about 0.58 days to cover.
X Financial Class has about 584.76 M in cash with 1.52 B of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 12.19, which can makes it an attractive takeover target, given it will continue generating positive cash flow.
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Ownership AllocationX Financial Class retains a total of 22.8 Million outstanding shares. X Financial Class owns tangible amount of outstanding shares owned by insiders. An insider is usually defined as a CEO, other corporate executive, director, or institutional investor who own at least 10% of the company's outstanding shares. Please note that no matter how many assets the company shows, if the real value of the entity is less than the current market value, you may not be able to make money on it.
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XYF Stock Institutional Holders
| Instituion | Recorded On | Shares | |
| Virtu Financial Llc | 2025-06-30 | 20.6 K | |
| Maven Securities Ltd | 2025-06-30 | 15 K | |
| Amvescap Plc. | 2025-06-30 | 13.7 K | |
| Blackrock Inc | 2025-06-30 | 9.1 K | |
| Bank Of America Corp | 2025-06-30 | 6.5 K | |
| Acadian Asset Management Llc | 2025-06-30 | 5.9 K | |
| Federation Des Caisses Desjardins Du Quebec | 2025-06-30 | 2.2 K | |
| Public Employees Retirement System Of Ohio | 2025-06-30 | 1 K | |
| Sbi Securities Co Ltd | 2025-06-30 | 884 | |
| Morgan Stanley - Brokerage Accounts | 2025-06-30 | 269.3 K | |
| Hel Ved Capital Management Ltd | 2025-06-30 | 254.9 K |
X Financial Historical Income Statement
XYF Stock Against Markets
X Financial Corporate Management
| Kan Li | Chief Risk Officer | Profile | |
| Noah Kauffman | Chief Officer | Profile | |
| Shengwen Rong | Independent Director | Profile | |
| Zheng Xue | Independent Director | Profile | |
| Yufan Jiang | Chief Officer | Profile |
Already Invested in X Financial Class?
The danger of trading X Financial Class is mainly related to its market volatility and Company specific events. As an investor, you must understand the concept of risk-adjusted return before you start trading. The most common way to measure the risk of X Financial is by using the Sharpe ratio. The ratio expresses how much excess return you acquire for the extra volatility you endure for holding a more risker asset than X Financial. The Sharpe ratio is calculated by using standard deviation and excess return to determine reward per unit of risk. To understand how volatile X Financial Class is, you must compare it to a benchmark. Traditionally, the risk-free rate of return is the rate of return on the shortest-dated U.S. Treasury, such as a 3-year bond.
When determining whether X Financial Class is a strong investment it is important to analyze X Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact X Financial's future performance. For an informed investment choice regarding XYF Stock, refer to the following important reports: Check out Your Current Watchlist to better understand how to build diversified portfolios, which includes a position in X Financial Class. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in producer price index. You can also try the Commodity Channel module to use Commodity Channel Index to analyze current equity momentum.
Can Consumer Finance industry sustain growth momentum? Does XYF have expansion opportunities? Factors like these will boost the valuation of X Financial. Anticipated expansion of XYF directly elevates investor willingness to pay premium valuations. Determining accurate worth demands scrutiny of both present operating results and projected expansion capacity. Evaluating X Financial demands reviewing these metrics collectively while recognizing certain factors exert disproportionate influence.
Quarterly Earnings Growth 0.302 | Dividend Share 3.882 | Earnings Share 5.89 | Revenue Per Share | Quarterly Revenue Growth 0.239 |
The market value of X Financial Class is measured differently than its book value, which is the value of XYF that is recorded on the company's balance sheet. Investors also form their own opinion of X Financial's value that differs from its market value or its book value, called intrinsic value, which is X Financial's true underlying value. Market participants employ diverse analytical approaches to determine fair value and identify buying opportunities when prices dip below calculated worth. Because X Financial's market value can be influenced by many factors that don't directly affect X Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between X Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if X Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Meanwhile, X Financial's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.