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Home CompaniesX Financial Class A

X Financial Class A

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
5.538 USD -0.21 ( 3.69%)
Last update at 2026-11-09T18:03:00Z
VOLUME
78593
Market Cap
186.88M
P/E
2.30

Momentum Score

…

X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. The company offers Xiaoying credit loans, which are online personal credit loan products comprising Xiaoying card loans and other unsecured loan products; and Xiaoying housing loans, a secured home equity loan product. It also provides guarantee, consulting, e-commerce, and microcredit services. In addition, the company engages in the technology development and service, as well as the sale of products. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
5.35
Low
5.71
High
52 Week Price Range
2.96
Low
13.67
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

X Financial Class A (NYSE: XYF) is a China-based consumer finance platform that provides personal lending and related financial services primarily through digital channels. Long-term growth may be supported by rising consumer credit demand in China, continued digital adoption, and product diversification, which could position the company as a way to access the domestic consumer finance market for investors.

Key risks include regulatory and policy uncertainty in China’s fintech sector, potential credit deterioration in an economic slowdown, and competitive and funding pressures that could weigh on earnings and liquidity.

Risk Score
High

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
5.75
Dividend Yield
11.05%
Revenue TTM
5598.52M
Revenue Per Share
144.26
Gross Profit TTM
3365.31M
Debt / Equity
0.15
ROE
7.28%
Net Debt
181.06M
ROCE
19.60%
Diluted EPS TTM
2.20

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 1708.36M 1945.61M 1447.92M 1223.45M 1190.80M
Minority interest - 0.00M 0.00M 0.00M 0.00M
Net income 1424.65M 1539.91M 1186.79M 812.00M 825.41M
Selling general administrative 199.56M 175.93M 141.40M 171.52M 187.86M
Selling and marketing expenses 2202.38M 35.73M 12.54M 15.45M 20.83M
Gross profit 5465.79M 3911.98M 1598.17M 1537.41M 1511.93M
Reconciled depreciation 11.16M 7.20M 5.26M 6.65M 8.14M
Ebit 1708.36M 3700.32M 1468.58M 1194.71M 1194.14M
Ebitda 1719.52M 3707.52M 1473.84M 1201.35M 1202.28M
Depreciation and amortization 11.16M 7.20M 5.26M 6.65M 8.14M
Operating income 1592.22M 1873.77M 1468.58M 1194.71M 1194.14M
Other operating expenses 5839.07M 3998.01M 1808.75M 227.70M 241.19M
Interest expense 3.37M 1582.47M 1370.94M 19709.14M 19385.97M
Tax provision 291.65M 405.70M 249.44M 389.36M 368.73M
Interest income 12.34M 1371.44M 1116.97M 970.03M 691.61M
Net interest income 29.51M -211.03M 1116.97M 970.03M 691.61M
Income tax expense 283.70M 405.70M 261.13M 389.36M 368.73M
Total revenue 7431.29M 5871.78M 3277.33M 1537.41M 1511.93M
Total operating expenses 3873.57M 2038.21M 129.59M 227.70M 241.19M
Cost of revenue 1965.50M 1959.80M 1679.16M - 1963.01M
Total other income expense net 116.14M 71.84M -20.65M 28.75M -3.34M
Net income from continuing ops 1464.55M 1539.91M 1186.79M 812.00M 825.41M
Net income applicable to common shares 1464.55M 1539.91M 1186.79M - 825.41M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 14665.74M 11819.29M 11650.02M 8837.66M 7342.74M
Intangible assets 39.18M 36.59M 36.81M 36549.92M 136.05M
Other current assets 2889.01M 10.68M 8.42M - 3824.20M
Total liab 6828.94M 4866.13M 5802.90M 4084.41M 3365.84M
Total stockholder equity 7836.80M 6953.15M 5847.12M 4753.25M 3976.90M
Other current liab 1993.52M -715.39M -581.93M -195.09M -249.58M
Common stock 0.21M 0.21M 0.21M 0.21M 0.21M
Capital stock 0.21M 0.21M 0.21M 0.21M 0.21M
Retained earnings 5484.29M 4174.51M 2692.02M 1622.85M 810.86M
Other liab - - - - 1971.11M
Good will - - - -36513.37M -99.24M
Other assets 1601.32M 11819.29M 0.00M 4572.14M 3741.36M
Cash 987.63M 2942.91M 2897.82M 2372.59M 2085.17M
Cash and equivalents 987.63M 984.61M 1195.35M - 584.76M
Total current liabilities 5949.87M 742.60M 899.22M 70.21M 249.58M
Current deferred revenue 491.84M - -179.83M - -
Net debt 181.06M -2601.68M -2319.97M -2291.07M -1918.67M
Short term debt 409.53M 328.50M 565.00M 70.21M 166.50M
Short long term debt 409.53M 328.50M 565.00M 70.21M 166.50M
Short long term debt total 1168.69M 341.23M 577.85M 81.51M 166.50M
Other stockholder equity 2288.58M 2697.38M 3085.42M 3066.60M 3159.52M
Property plant equipment 23.90M 55.07M 59.27M - 6.19M
Total current assets 12335.34M 5001.06M 4590.39M 3534.50M 2915.49M
Long term investments 1758.60M 1011.51M 1101.61M 688.62M 642.88M
Net tangible assets - - - - 3940.08M
Short term investments 1243.87M - -1702.47M - 82.84M
Net receivables 8458.70M 2047.47M 1684.14M 1161.91M 747.48M
Long term debt 3803.29M 2501.69M 3722.51M - 1487.38M
Inventory - - -24.64M - -
Accounts payable 3054.98M 258.01M 179.83M 195.09M 83.08M
Accumulated other comprehensive income 63.72M 81.05M 69.48M 63.60M 6.31M
Non currrent assets other 53.36M 727.23M 820.13M -88428.44M -685.89M
Non current assets total 2330.40M 6818.23M 7059.64M 731.03M 685.89M
Capital lease obligations 10.86M 12.73M 12.85M 11.30M 12.33M
Long term debt total 3803.29M 2501.69M 3722.51M - 1487.38M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -233.94M 122.03M -1106.33M -913.39M -2347.59M
Change to liabilities - - - - 0.00M
Total cashflows from investing activities -1066.29M 122.03M -1106.33M - -2347.59M
Net borrowings 83.56M -236.50M 494.79M - -166.52M
Total cash from financing activities 79.24M -1935.18M 1227.46M 576.35M 1301.31M
Change to operating activities - - - - -753.75M
Net income 1464.55M 1539.91M 1186.79M 812.00M 825.41M
Change in cash 472.26M -282.86M 937.55M 14.92M -606.48M
Begin period cash flow 1661.65M 1944.51M 1006.96M 992.04M 1598.52M
End period cash flow 2133.91M 1661.65M 1944.51M 1006.96M 992.04M
Total cash from operating activities 1467.54M 1523.39M 814.14M 322.70M 449.17M
Issuance of capital stock - 0.00M 0.00M - -
Depreciation 11.16M 7.20M 5.26M 6.65M 8.14M
Other cashflows from investing activities -810.47M -106.19M -673.72M - -1462.70M
Dividends paid 154.77M 116.64M 58.40M - -103196.98M
Change to account receivables -1359.14M -405.69M -509.91M -436.27M -411.42M
Sale purchase of stock -733.98M -182.20M -24.87M -146.74M 2.96M
Other cashflows from financing activities 865.35M -1399.83M 815.94M 889.59M 104948.84M
Change to netincome - - - - 739.57M
Capital expenditures 21.88M 14.22M 8.47M 6.06M 2.62M
Change in working capital -288.36M -428.44M -633.72M -832.12M -1123.94M
Stock based compensation 60.97M 40.18M 42.60M 53.54M 88.43M
Other non cash items 477.27M 391.79M 230.77M 87.06M 317.72M
Free cash flow 1445.66M 1509.16M 805.67M 316.65M 446.55M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
XYF
X Financial Class A		 -0.21
3.69%		 5.54 2.30 - 0.03 0.16 0.09 0.72
V
Visa Inc. Class A		 2.27
0.54%		 424.92 31.25 25.97 16.18 13.64 16.19 23.37
MA
Mastercard Inc		 7.12
1.09%		 659.82 31.59 24.88 14.31 89.68 14.71 23.34
AXP
American Express Company		 4.82
1.50%		 325.81 21.46 18.83 3.38 6.76 3.93 -
COF
Capital One Financial Corporation		 0.74
0.36%		 202.61 11.39 8.75 2.64 1.11 2.76 -

Profile*

X Financial Class A

X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. The company offers Xiaoying credit loans, which are online personal credit loan products comprising Xiaoying card loans and other unsecured loan products; and Xiaoying housing loans, a secured home equity loan product. It also provides guarantee, consulting, e-commerce, and microcredit services. In addition, the company engages in the technology development and service, as well as the sale of products. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.

Aerospace Science and Technology Plaza, Shenzhen, China, 518067

86 75 5862 82977

https://ir.xiaoyinggroup.com

643

Name Title Year Born
Mr. Yue Tang Founder, CEO & Chairman 1972
Mr. Kan Li Pres, Chief Risk Officer & Director 1974
Mr. Fuya Zheng Chief Financial Officer 1967
Mr. Ding Gao Chief Technology Officer 1987
Ms. Jennifer Zhang Investor Relations NA
Mr. Kan Li President, Acting Chief Risk Officer & Director 1973
Mr. Ding Gao Co-Founder 1987
Mr. Noah Kauffman Chief Financial Strategy Officer 1982

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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