X Financial ADR (XYF)

$14.18 -0.21 (-1.46%)
Market Cap 601.21M
Revenue (ttm) 804.43M
Net Income (ttm) 210.97M
EPS (ttm) N/A
PE Ratio 2.98
Forward PE N/A
Profit Margin 26.23%
Debt to Equity Ratio 0.08
Volume 470,441
Avg Vol 395,652
Day's Range N/A - N/A
Shares Out 41.78M
Stochastic %K 18%
Beta 0.20
Analysts Strong Buy
Price Target $1.70

Company Profile

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,...

Industry: Credit Services
Sector: Financial Services
Phone: 86 75 5862 82977
Address:
Aerospace Science and Technology Plaza, 7 - 8F, Block A No. 168, Haide Third Avenue Nanshan District, Shenzhen, China
AlexSwiss77
AlexSwiss77 Jul. 31 at 3:58 PM
$XYF it has been a downhill since all time high and recovering takes time. Nice to see a bottom in low 14$ I’m adding
0 · Reply
LordWellesley
LordWellesley Jul. 30 at 6:31 PM
$QFIN Why is the market bearish on $XYF $FINV Chinese fintech ?
2 · Reply
jonny500
jonny500 Jul. 30 at 6:09 PM
$XYF Volume has calmed down, just some shaky retail to get rid of now, I imagine.
0 · Reply
AlexSwiss77
AlexSwiss77 Jul. 30 at 4:12 PM
$XYF open position bullish on FINV as well
0 · Reply
lillaccio
lillaccio Jul. 30 at 4:04 PM
$XYF Its fair value based on its high quality, its margins and management positive execution
0 · Reply
kiwitc2000
kiwitc2000 Jul. 30 at 2:30 PM
$XYF Oversold and undervalued. Holding above $14 support zone. Then again, China stock data can often be deceptive. Smallish long wait-and-see position.
0 · Reply
franciumusa
franciumusa Jul. 28 at 8:58 PM
$XYF many US stocks sticks were undervalued in 2022 and 2023 They all went up 500 percent .. I expect XYF and $JFIN to hit $40 in the upcoming Chinese bull market Only takes a few Blackrock and Vanguard fund managers who buy.
0 · Reply
K_M1
K_M1 Jul. 28 at 8:04 PM
$XYF this is not a BUY or SELL suggestion... Just some FACTS about $XYF EPS about $6 - check Q1 2025 results PE about 2.31 Yearly Dividend $0.50 - possibility to grow Management Share buyback offers: May 2025 - new share repurchase plan up to $100 million December 2024 - 6.3 million shares at $7.67 June 2024 - 2 million shares at $4.52 Good Luck!
0 · Reply
jonny500
jonny500 Jul. 28 at 5:55 PM
$XYF Yep it is a bunch of nonsense. People started to use every tactic to trade except fundamentals. Chain reactions get started too easily in this market. A falling knife after a troubling earnings is one thing. This company has been performing. And is not in the same position or with the same share count as it was years ago. I'm not margined and can hold through whatever. The company has been very aggressive about reacquiring shares. Tempting to say something like: see you at 40 a year from now.
0 · Reply
K_M1
K_M1 Jul. 28 at 5:50 PM
$XYF @Chomo joined stocktwits in May 2025 with only one intention ... HELP BIG HANDS by spreading NEGATIVE SENTIMENT... watch out and stay away from @Chomo ! :)
0 · Reply
Latest News on XYF
X Financial: An In-Depth Look At This Dirt Cheap Compounder

Jul 14, 2025, 6:58 PM EDT - 18 days ago

X Financial: An In-Depth Look At This Dirt Cheap Compounder

X Financial: Stock Quadruples In 12 Months, Still An Asymmetric Bet

Jun 7, 2025, 4:28 AM EDT - 2 months ago

X Financial: Stock Quadruples In 12 Months, Still An Asymmetric Bet

X Financial (XYF) Q1 2025 Earnings Call Transcript

May 20, 2025, 9:56 AM EDT - 2 months ago

X Financial (XYF) Q1 2025 Earnings Call Transcript

X Financial Reports First Quarter 2025 Unaudited Financial Results

May 19, 2025, 4:50 PM EDT - 2 months ago

X Financial Reports First Quarter 2025 Unaudited Financial Results

X Financial to Report First Quarter 2025 Financial Results on May 20, 2025

May 15, 2025, 6:00 AM EDT - 2 months ago

X Financial to Report First Quarter 2025 Financial Results on May 20, 2025

X Financial Files Annual Report on Form 20-F for Fiscal Year 2024

Apr 25, 2025, 7:27 AM EDT - 3 months ago

X Financial Files Annual Report on Form 20-F for Fiscal Year 2024

X Financial (XYF) Q4 2024 Earnings Call Transcript

Mar 20, 2025, 3:52 PM EDT - 4 months ago

X Financial (XYF) Q4 2024 Earnings Call Transcript

X Financial Reports Fourth Quarter and Fiscal Year 2024 Unaudited Financial Results

Mar 19, 2025, 4:50 PM EDT - 4 months ago

X Financial Reports Fourth Quarter and Fiscal Year 2024 Unaudited Financial Results

X Financial to Report Fourth Quarter and Fiscal Year 2024 Financial Results on March 20, 2025

Mar 18, 2025, 6:00 AM EDT - 4 months ago

X Financial to Report Fourth Quarter and Fiscal Year 2024 Financial Results on March 20, 2025

X Financial: Why The Trip Upwards Is Likely Not Over

Mar 12, 2025, 8:22 AM EDT - 5 months ago

X Financial: Why The Trip Upwards Is Likely Not Over

X Financial Announces US$48.7 Million Share Repurchase from Major Shareholder

Dec 19, 2024, 5:50 AM EST - 8 months ago

X Financial Announces US$48.7 Million Share Repurchase from Major Shareholder

X Financial (XYF) Q3 2024 Earnings Call Transcript

Nov 27, 2024, 10:25 AM EST - 8 months ago

X Financial (XYF) Q3 2024 Earnings Call Transcript

X Financial Reports Third Quarter 2024 Unaudited Financial Results

Nov 26, 2024, 4:50 PM EST - 8 months ago

X Financial Reports Third Quarter 2024 Unaudited Financial Results

X Financial to Hold Annual General Meeting on December 20, 2024

Nov 22, 2024, 6:50 AM EST - 9 months ago

X Financial to Hold Annual General Meeting on December 20, 2024

X Financial to Report Third Quarter 2024 Financial Results on November 27, 2024

Nov 19, 2024, 8:27 AM EST - 9 months ago

X Financial to Report Third Quarter 2024 Financial Results on November 27, 2024

X Financial (XYF) Q2 2024 Earnings Call Transcript

Aug 22, 2024, 2:05 PM EDT - 1 year ago

X Financial (XYF) Q2 2024 Earnings Call Transcript

X Financial Reports Second Quarter 2024 Unaudited Financial Results

Aug 21, 2024, 4:50 PM EDT - 1 year ago

X Financial Reports Second Quarter 2024 Unaudited Financial Results

X Financial to Report Second Quarter 2024 Financial Results on August 22, 2024

Aug 13, 2024, 6:00 AM EDT - 1 year ago

X Financial to Report Second Quarter 2024 Financial Results on August 22, 2024

X Financial Announces Results of Tender Offer

Jul 15, 2024, 7:00 AM EDT - 1 year ago

X Financial Announces Results of Tender Offer

X Financial Commences a Tender Offer to Repurchase approximately $9.04 Million of its ADSs

Jun 5, 2024, 9:13 AM EDT - 1 year ago

X Financial Commences a Tender Offer to Repurchase approximately $9.04 Million of its ADSs

X Financial (XYF) Q1 2024 Earnings Call Transcript

May 31, 2024, 1:45 PM EDT - 1 year ago

X Financial (XYF) Q1 2024 Earnings Call Transcript

X Financial Reports First Quarter 2024 Unaudited Financial Results

May 30, 2024, 4:50 PM EDT - 1 year ago

X Financial Reports First Quarter 2024 Unaudited Financial Results

X Financial Reschedules the Release of First Quarter 2024 Financial Results to May 31, 2024

May 24, 2024, 9:23 PM EDT - 1 year ago

X Financial Reschedules the Release of First Quarter 2024 Financial Results to May 31, 2024

X Financial to Report First Quarter 2024 Financial Results on May 29, 2024

May 23, 2024, 6:00 AM EDT - 1 year ago

X Financial to Report First Quarter 2024 Financial Results on May 29, 2024

X Financial Files Annual Report on Form 20-F for Fiscal Year 2023

Apr 29, 2024, 7:04 PM EDT - 1 year ago

X Financial Files Annual Report on Form 20-F for Fiscal Year 2023

X Financial (XYF) Q4 2023 Earnings Call Transcript

Mar 27, 2024, 1:11 PM EDT - 1 year ago

X Financial (XYF) Q4 2023 Earnings Call Transcript

X Financial Reports Fourth Quarter and Fiscal Year 2023 Unaudited Financial Results

Mar 26, 2024, 4:50 PM EDT - 1 year ago

X Financial Reports Fourth Quarter and Fiscal Year 2023 Unaudited Financial Results

X Financial to Report Fourth Quarter and Fiscal Year 2023 Financial Results on March 27, 2024

Mar 21, 2024, 6:00 AM EDT - 1 year ago

X Financial to Report Fourth Quarter and Fiscal Year 2023 Financial Results on March 27, 2024

X Financial (XYF) Q3 2023 Earnings Call Transcript

Nov 23, 2023, 4:25 AM EST - 1 year ago

X Financial (XYF) Q3 2023 Earnings Call Transcript

X Financial Reports Third Quarter 2023 Unaudited Financial Results

Nov 22, 2023, 4:50 PM EST - 1 year ago

X Financial Reports Third Quarter 2023 Unaudited Financial Results

X Financial to Hold Annual General Meeting on December 22, 2023

Nov 17, 2023, 6:00 AM EST - 1 year ago

X Financial to Hold Annual General Meeting on December 22, 2023

X Financial to Report Third Quarter 2023 Financial Results on November 22, 2023

Nov 17, 2023, 5:00 AM EST - 1 year ago

X Financial to Report Third Quarter 2023 Financial Results on November 22, 2023

X Financial Resumes Growth As Regulatory Risks Abate

Oct 25, 2023, 5:39 AM EDT - 1 year ago

X Financial Resumes Growth As Regulatory Risks Abate

X Financial (XYF) Q2 2023 Earnings Call Transcript

Aug 29, 2023, 10:39 AM EDT - 2 years ago

X Financial (XYF) Q2 2023 Earnings Call Transcript

X Financial Reports Second Quarter 2023 Unaudited Financial Results

Aug 28, 2023, 4:50 PM EDT - 2 years ago

X Financial Reports Second Quarter 2023 Unaudited Financial Results

X Financial to Report Second Quarter 2023 Financial Results on August 29, 2023

Aug 23, 2023, 6:00 AM EDT - 2 years ago

X Financial to Report Second Quarter 2023 Financial Results on August 29, 2023

X Financial (XYF) Q1 2023 Earnings Call Transcript

May 25, 2023, 12:19 PM EDT - 2 years ago

X Financial (XYF) Q1 2023 Earnings Call Transcript

X Financial Reports First Quarter 2023 Unaudited Financial Results

May 24, 2023, 4:50 PM EDT - 2 years ago

X Financial Reports First Quarter 2023 Unaudited Financial Results

X Financial to Report First Quarter 2023 Financial Results on May 25, 2023

May 18, 2023, 6:00 AM EDT - 2 years ago

X Financial to Report First Quarter 2023 Financial Results on May 25, 2023

X Financial Files Annual Report on Form 20-F for Fiscal Year 2022

Apr 27, 2023, 6:18 PM EDT - 2 years ago

X Financial Files Annual Report on Form 20-F for Fiscal Year 2022

X Financial (XYF) Q4 2022 Earnings Call Transcript

Mar 31, 2023, 6:29 PM EDT - 2 years ago

X Financial (XYF) Q4 2022 Earnings Call Transcript

X Financial Reports Fourth Quarter and Fiscal Year 2022 Unaudited Financial Results

Mar 30, 2023, 4:50 PM EDT - 2 years ago

X Financial Reports Fourth Quarter and Fiscal Year 2022 Unaudited Financial Results

X Financial to Report Fourth Quarter and Fiscal Year 2022 Financial Results on March 31, 2023

Mar 29, 2023, 4:10 PM EDT - 2 years ago

X Financial to Report Fourth Quarter and Fiscal Year 2022 Financial Results on March 31, 2023

X Financial (XYF) Q3 2022 Earnings Call Transcript

Nov 17, 2022, 2:56 PM EST - 2 years ago

X Financial (XYF) Q3 2022 Earnings Call Transcript

X Financial Reports Third Quarter 2022 Unaudited Financial Results

Nov 16, 2022, 4:50 PM EST - 2 years ago

X Financial Reports Third Quarter 2022 Unaudited Financial Results

X Financial to Hold Annual General Meeting on December 9, 2022

Nov 14, 2022, 5:00 PM EST - 2 years ago

X Financial to Hold Annual General Meeting on December 9, 2022

X Financial to Report Third Quarter 2022 Financial Results on November 17, 2022

Nov 10, 2022, 5:00 AM EST - 2 years ago

X Financial to Report Third Quarter 2022 Financial Results on November 17, 2022

X Financial Upsizes Share Repurchase Program to US$20 Million

Sep 30, 2022, 6:00 AM EDT - 3 years ago

X Financial Upsizes Share Repurchase Program to US$20 Million

X Financial (XYF) Management on Q2 2022 Results - Earnings Call Transcript

Aug 9, 2022, 10:25 PM EDT - 3 years ago

X Financial (XYF) Management on Q2 2022 Results - Earnings Call Transcript

X Financial Reports Second Quarter 2022 Unaudited Financial Results

Aug 8, 2022, 5:00 PM EDT - 3 years ago

X Financial Reports Second Quarter 2022 Unaudited Financial Results

AlexSwiss77
AlexSwiss77 Jul. 31 at 3:58 PM
$XYF it has been a downhill since all time high and recovering takes time. Nice to see a bottom in low 14$ I’m adding
0 · Reply
LordWellesley
LordWellesley Jul. 30 at 6:31 PM
$QFIN Why is the market bearish on $XYF $FINV Chinese fintech ?
2 · Reply
jonny500
jonny500 Jul. 30 at 6:09 PM
$XYF Volume has calmed down, just some shaky retail to get rid of now, I imagine.
0 · Reply
AlexSwiss77
AlexSwiss77 Jul. 30 at 4:12 PM
$XYF open position bullish on FINV as well
0 · Reply
lillaccio
lillaccio Jul. 30 at 4:04 PM
$XYF Its fair value based on its high quality, its margins and management positive execution
0 · Reply
kiwitc2000
kiwitc2000 Jul. 30 at 2:30 PM
$XYF Oversold and undervalued. Holding above $14 support zone. Then again, China stock data can often be deceptive. Smallish long wait-and-see position.
0 · Reply
franciumusa
franciumusa Jul. 28 at 8:58 PM
$XYF many US stocks sticks were undervalued in 2022 and 2023 They all went up 500 percent .. I expect XYF and $JFIN to hit $40 in the upcoming Chinese bull market Only takes a few Blackrock and Vanguard fund managers who buy.
0 · Reply
K_M1
K_M1 Jul. 28 at 8:04 PM
$XYF this is not a BUY or SELL suggestion... Just some FACTS about $XYF EPS about $6 - check Q1 2025 results PE about 2.31 Yearly Dividend $0.50 - possibility to grow Management Share buyback offers: May 2025 - new share repurchase plan up to $100 million December 2024 - 6.3 million shares at $7.67 June 2024 - 2 million shares at $4.52 Good Luck!
0 · Reply
jonny500
jonny500 Jul. 28 at 5:55 PM
$XYF Yep it is a bunch of nonsense. People started to use every tactic to trade except fundamentals. Chain reactions get started too easily in this market. A falling knife after a troubling earnings is one thing. This company has been performing. And is not in the same position or with the same share count as it was years ago. I'm not margined and can hold through whatever. The company has been very aggressive about reacquiring shares. Tempting to say something like: see you at 40 a year from now.
0 · Reply
K_M1
K_M1 Jul. 28 at 5:50 PM
$XYF @Chomo joined stocktwits in May 2025 with only one intention ... HELP BIG HANDS by spreading NEGATIVE SENTIMENT... watch out and stay away from @Chomo ! :)
0 · Reply
K_M1
K_M1 Jul. 28 at 5:36 PM
$XYF It is pure manipulation by big hands to grab retail shares. It was going up with very low volume and suddenly reversed to go down but with moderately high volume trades between a few big hands... just to keep it low.
1 · Reply
lillaccio
lillaccio Jul. 28 at 4:54 PM
$XYF same quality of $PLTR (similar growth rate). One Chinese the other american, ok,different sectors, yet…the former PE of 2 and something, the latter PE of 600+…we’re living in the most irrational financial markets in history.
1 · Reply
Exceptionnels
Exceptionnels Jul. 28 at 3:59 PM
$XYF
0 · Reply
Chomo
Chomo Jul. 28 at 2:53 PM
$XYF and the bleeding continues on high volume.
1 · Reply
lillaccio
lillaccio Jul. 28 at 2:07 PM
$XYF sometimes market stupidity leaves me wordless. They keep selling bargain high quality stocks while keep pumping junk stocks like $PLTR and espacially $TSLA.
3 · Reply
Chomo
Chomo Jul. 25 at 9:07 PM
$XYF 4 consecutive red days on expanding volume, today was 5X average volume, thats not grandma selling.
3 · Reply
franciumusa
franciumusa Jul. 25 at 8:29 PM
$FINV $JFIN $XYF volume of sell off Is very high.. not much changed !! Why ? Someone shorting ahead of time or selling to take profits
2 · Reply
franciumusa
franciumusa Jul. 25 at 7:22 PM
$XYF makes you feel stupid when one firm wishes to exit
0 · Reply
lillaccio
lillaccio Jul. 25 at 6:47 PM
$XYF building more aggresively than yesterday. It’s almost free money
0 · Reply
jonny500
jonny500 Jul. 25 at 5:20 PM
$XYF Hope they are buying back a few shares today. They are calling for a solid increase in loans next quarter. Add in significant buybacks, and I think not long before they can get earnings to around $2 a quarter. Then increase the payout ration, the yield would be high. If they take it to $13, $12, $11, guess I'll be crying in my morning coffee for a while. Maybe try one of those antidepressants everyone seems to like so much. Meh. Bounceback Monday.
0 · Reply
Zonata
Zonata Jul. 25 at 4:44 PM
$FINV $XYF $JFIN Chinese fintech are retracing after an amazing year so far. Good time to add if you're a believer.
0 · Reply
Chomo
Chomo Jul. 25 at 2:10 PM
$XYF clearly being liquidated, high volume red days at same level.
1 · Reply