X Financial (XYF)
NYQ · Financial Services · Credit Services
$4.85
-0.61%
Closing price as of 2026-10-28 · Source: TEK2day Finance
Key Metrics
Market Cap
$100.2M
Shares Outstanding
20.7M
P/S (TTM)
0.1x
P/E (TTM)
2.3x
Exchange
NYQ
Currency
USD
About X Financial
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.
Quarterly Financials (CNY)
| Metric | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|
| Revenue | 2.0B | 1.5B | 1.2B | 993.6M |
| Gross Profit | 1.4B | 943.6M | 688.7M | 571.0M |
| Operating Income | 365.6M | 16.0M | 138.9M | 192.2M |
| Net Income | 421.2M | 57.2M | 37.9M | 47.0M |
| Diluted EPS | CNY 10.08 | CNY 1.44 | CNY 0.96 | CNY 1.26 |
Annual Financials (CNY)
| Metric | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Revenue | 3.6B | 4.8B | 5.9B | 7.6B |
| Gross Profit | 2.2B | 3.2B | 4.1B | 5.6B |
| Operating Income | 1.1B | 1.4B | 1.8B | 1.6B |
| Net Income | 812.0M | 1.2B | 1.5B | 1.5B |
| Diluted EPS | CNY 15.12 | CNY 24.48 | CNY 31.50 |