X Financial
XYFNYSE
$4.64
0.0%Jul 20 close · end-of-day
Price
1Y↓ -72.7%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$1.2B
Enterprise Value
$1.1B
P/E
5.5
P/S
1.1
P/B
1.0
EV/EBITDA
4.6
PEG
0.2
FCF Yield
17.9%
Dividend Yield
1.9%
Revenue (TTM)
$1.1B
Net Income (TTM)
$209.4M
Free Cash Flow (TTM)
$206.7M
Gross Margin
—
Operating Margin
21.3%
Net Margin
19.2%
ROE
18.7%
ROIC
18.7%
Debt / Equity
0.1
Net Cash
$82.7M
Return 1Y
-72.4%
Company profile
X Financial provides personal finance services in the People's Republic of China. The company offers services as an online marketplace connecting borrowers and investors. X Financial was founded in 2014 and is headquartered in Shenzhen, China.
- CEO
- Yue Tang
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 420
- Website
- xiaoyinggroup.com
Earnings
No reported earnings periods on file.
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | $336.1M | $569.1M | $516.6M | $678.2M | $804.4M | $1.1B |
| Gross profit | — | — | — | — | — | — |
| Operating income | -$219.2M | $205.7M | $156.9M | $202.5M | $256.7M | $233.1M |
| Net income | -$200.5M | $129.5M | $117.7M | $167.2M | $211.0M | $209.4M |
| Diluted EPS | -$0.62 | $0.38 | $0.37 | $0.57 | $0.72 | $0.84 |
| Operating cash flow | -$104.1M | $70.5M | $46.8M | $114.7M | $208.7M | $209.9M |
| Free cash flow | -$104.9M | $70.1M | $45.9M | $113.5M | $206.8M | $206.7M |
| Gross margin | — | — | — | — | — | — |
| Operating margin | -65.2% | 36.2% | 30.4% | 29.9% | 31.9% | 21.3% |
| Net margin | -59.7% | 22.8% | 22.8% | 24.6% | 26.2% | 19.2% |
No quarterly data.
Company news
May 27, 2026
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-06-15 | Wan Zheng | Sale | 90,000 | $5.29 | $476,100.00 | filing |
| 2026-06-15 | Wan Zheng | Sale | 90,000 | $5.18 | $466,200.00 | filing |
| 2026-06-01 | Wan Zheng | C | 90,000 | $0.00 | $0.00 | filing |
Latest 3 transactions.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.