X Financial XYF · Stock Open X Financial in new tab
X Financial Analysis (XYF)
Is X Financial a good investment? X Financial (XYF) is currently trading at 15.92 USD.
In terms of valuation, the stock trades at a P/E ratio of 3.64. This relatively low multiple may signal that X Financial is undervalued compared to historical market norms.
Earnings Schedule: X Financial is expected to release its next earnings report on Nov. 25, 2026. The market consensus estimate for Forward EPS is 0.37.
For income investors, X Financial pays a dividend yield of 2.80%. With a payout ratio of 8%, the dividend appears sustainable.
Investor FAQ
Does X Financial pay a dividend?
Yes, it pays an annual dividend of 0.42 USD (2.80% yield).
What asset class is X Financial?
X Financial is classified as a Stock. You can compare it against its peer in the "Related Symbols" list.
When is the next earnings date?
The next earnings date is projected to be Nov. 25, 2026. The company currently has a trailing EPS of 4.37.
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 loan, a category of online personal credit loan products, including Xiaoying card loan and other unsecured loan products; and Xiaoying housing loan, 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 incorporated in 2014 and is headquartered in Shenzhen, the People's Republic of China.
| Year | Total Dividends |
|---|---|
| ▸2027 |
0.56 USD
|
| Sept. 27, 2027 (estimated) | 0.2800 |
| May 31, 2027 (estimated) | 0.2800 |
| ▸2026 |
0.84 USD
|
| Oct. 19, 2026 (estimated) | 0.2800 |
| Sept. 28, 2026 | 0.2800 |
| May 20, 2026 | 0.2800 |
| ▸2025 |
0.53 USD
|
| Oct. 15, 2025 | 0.2800 |
| July 2, 2025 | 0.2500 |
| ▸2024 |
0.34 USD
|
| Sept. 27, 2024 | 0.1700 |
| May 31, 2024 | 0.1700 |
| ▸2023 |
0.17 USD
|
| Oct. 18, 2023 | 0.1700 |
| ▸2019 |
0.10 USD
|
| April 26, 2019 | 0.1000 |
| Name | Payment Date | Status | Amount |
|---|---|---|---|
| X Financial | Sep 28, 2026 | Paid | 0.28 USD |
| X Financial | May 20, 2026 | Paid | 0.28 USD |
| Split Date | Split Ratio to 1 |
|---|---|
| Nov. 19, 2020 | 0.33 |
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