X FINANCIAL-ADR

XYFNYSE

🏆 #3942 by market capEarnings Nov 25US Equity

$5.35▼ $0.01 (−0.19%)

Live

1h—

24h▼ 0.2%

7d▲ 4.7%

14d▲ 5.6%

30d▲ 15.8%

1y▼ 62.1%

🏦Market Cap

$1.24B

Small Cap

📈Revenue Growth (YoY)

+21.9%

Healthy

📊Gross Margin

62.5%

High

💵FCF Margin

—

⚖️P/S Ratio

0.5x

Cheap

Otter Score

Weak

Trading Snapshot

Day Range: $5.30 – $5.40
52-Week Range: —
Volume: $4.93B
Avg Volume: $5.63B
Shares Outstanding: 231.1M
Next Earnings: Oct 2, 2026

Fundamentals Snapshot

Annual Revenue: $7.43B
Last Q Revenue: $1.17B
P/E Ratio: 1.3
P/S Ratio: 0.5x
EPS (TTM): —
Dividend Yield: —

Why Investors Own XYF

✓High-growth profile — revenue up +37.5% YoY with expanding US Equity exposure.
✓Healthy economics — 45% gross margin and 25% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)

$7.43B▲ +41.5% YoY

Gross Margin (TTM)

45.2%▲ +1.9% YoY

Operating Income (TTM)

$2.30B▲ +41.5% YoY

Free Cash Flow (TTM)

$1.88B▲ +41.5% YoY

About X FINANCIAL-ADR

Operating in the People's Republic of China, X Financial delivers personal financial solutions, primarily functioning as an online platform that connects individuals seeking funds with potential investors. The company's diverse lending portfolio encompasses the Xiaoying credit loan, which features the Xiaoying card loan component; the Xiaoying preferred loan, specifically tailored for small enterprise owners; and the Xiaoying revolving loan. Beyond these offerings, X Financial also provides the Xiaoying housing loan, a home equity product for property owners. Through its Xiaoying wealth management platform, clients can access various investment vehicles, including loans, money market instruments, and insurance products. Furthermore, the company extends loan facilitation support to other external platforms. X Financial was established in 2014 and maintains its corporate headquarters in Shenzhen, China.

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