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XYF
X Financial
NYSE· Financial Services· Credit Services· CUSIP 98372W202
$5.54+2.59%Price as of Aug 29, 18:36 UTC · updated once a day, after the close
Key metrics
- Market cap
- $213.38M
- P/E
- 2.5x
- Forward P/E
- 15.0x
- P/B
- 0.2x
- Dividend yield
- 10.11%
- Payout
- 25.45%
- EPS
- $2.20
- ROE
- 7.28%
- Profit margin
- 10.06%
- Revenue growth
- -56.30%
- Beta
- 0.46
- 52-week high
- $15.96
- 52-week low
- $3.30
History
How the company evolved, year by year. Revenue and debt come from the annual reports — for most companies, the 10-K filings with the SEC since 2009; dividends from the payments themselves.
The bars are a balance on the closing date; the lines are what happened during the year. Revenue above equity is ordinary, not an anomaly — it means the company turns its capital over more than once a year.
Investors holding this
Major managers that reported this stock in their latest 13F.
Price over time
▲ +17.4% over 5Y.
today you would have $1,536.23▲ +53.6%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
Indicators, year by year
The last 4 closed years. Each multiple uses that year’s closing price and that year’s reported numbers — not today’s. The range is set by the annual reports on record.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Year-end price | $5.60 | $8.33 | $3.66 | $3.02 | |
| P/E | 0.2x | 0.2x | 0.3x | 0.1x | 0.2x |
| P/S | 0.2x | 0.2x | 0.4x | 0.2x | 0.2x |
| P/B | 0.2x | 0.2x | 0.3x | 0.2x | 0.2x |
| EPS | $35.22 |
Fair price, seven ways
Seven formulas applied to what the company reported. None of them predicts a price — each answers what the stock would be worth if its assumption held. The assumption is printed next to every number, because it is the assumption that produces the result.
Earnings
$38.23
Square root of 22.5 × earnings × book value — the two ceilings Graham proposed. Blind to intangibles, so it undervalues software and brands.
Earnings
—
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Earnings
$29.45
Median P/E of 13.4 among peers in the sector.
Earnings
—
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Cash flow
—
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Operating
—
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Others in the same sector
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| AESPAeon Acquisition I Corp. | $9.98 | — | — | — | — | $213.35M |
| EGHAEGH Acquisition Corp. | $10.40 | 54.7x | — | — | — | $213.2M |
| CCAQCollective Acquisition Corp | $10.48 | 52.4x | — | — | — | $212.04M |
| OVBCOhio Valley Banc Corp | $45.59 |
About the company
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.
- 643
- Shenzhen, China
Company description provided by Yahoo Finance.