XYFX Financial

NYSE · US · Financial Services · Credit Services · ir.xiaoyinggroup.com

5.390USDMkt Cap: 207.60M $P/E: 1.423d ago

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 comp…

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Key Statistics

Company

Market Cap207.60M $

Enterprise Value-424.17M $

Revenue (TTM)6.88B $

Gross Profit5.60B $

Net Income (TTM)1.46B $

Revenue/Share172.35 USD

Last Price5.390 USD

Fiscal Year EndDec 2025

MR QuarterMar 2026

Employees643

CountryUS

SectorFinancial Services

IndustryCredit Services

ISIN—

Valuation

P/E (Trailing)1.42

P/E (Forward)14.57

PEG—

EV/EBITDA-0.10

EV/Revenue-0.06

P/S0.03

P/B0.18

EPS (TTM)3.81

EPS (Forward)0.37

52W Range

5.27032% of range5.650

52W High5.650 USD

52W Low5.270 USD

Profitability

Gross Margin73.30%

Oper. Margin47.66%

EBITDA Margin59.15%

Profit Margin19.17%

ROE18.69%

ROA9.99%

Growth

Revenue Growth-39.30%

Earnings Growth-90.90%

Cash Flow & Leverage

Operating CF1.47B $

CapEx (TTM)21.88M $

FCF Margin—

FCF Yield—

Net Debt-634.51M $

Net Debt/EBITDA-0.16

Balance Sheet

Debt/Equity0.15

Current Ratio4.57

Quick Ratio1.51

Book Value/Sh29.53 USD

Cash/Share26.17 USD

Dividends

Fwd Div Rate0.5600 USD

Trail. Div Rate3.920 USD

Div. Yield10.40%

5Y Avg Yield—

Payout Ratio14.78%

Ex-Div DateApr 30, 2026

Pay DateMay 20, 2026

Splits

Last Split1:3

Split DateNov 19, 2020

Analyst Consensus

Rating—

Target (Mean)—

Target Range—

# Analysts—

Ownership

Shares Out.22.25M

Float14.41M

Insiders17.09%

Institutions4.18%

Short Interest

Short Ratio3.0d

Short % Float0.76%

Short % Out.0.37%

Shares Short141.51K

Short (prev mo.)169.99K

Technical

SMA 504.992 (+8.0%)

SMA 2005.638 (-4.4%)

Beta0.46

S&P 52W Chg19.18%

Avg Vol (30d)71.48K

Avg Vol (10d)48.72K

Technical Indicators

RSI (14)—

MACD—

MACD Signal—

MACD Hist.—

BB Upper—

BB Middle—

BB Lower—

BB Width—

ATR (14)—

Vol Ratio (20d)—