X Financial(XYF)Earnings, Financials & Key RatiosX Financial (XYF) stock price & volume — 10-year historical chart
Investment Thesis • Updated 2025Q4
the 82.6% decline in EPS growth and the aggressive $888.8 million capital return program during a period of margin compression suggest that the current valuation may not fully account for underlying operational risks.
X Financial (XYF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
X Financial (XYF) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 27, 2026 | $0.30vs $0.29+3.3% | —vs $233M |
| Q2 2026 | Mar 26, 2026 | $0.22vs $0.28-22.8% | $207Mvs $207M+0.0% |
| Q2 2026 | Mar 25, 2026 | $0.22vs $0.28-22.8% | $207Mvs $207M+0.0% |
| Q4 2025 | Nov 20, 2025 | $1.47 | $275M |
Recent stock market news and headlines for X Financial (XYF)
SHENZHEN, China, June 17, 2026 /PRNewswire/ -- X Financial (NYSE: XYF) ("X Financial" or the "Company" or "we"), a leading Chinese fintech platform, today announced that Mr. Yufan Jiang resigned from his position as the Chief Risk Officer of the Company, effective from July 1, 2026, due to personal reasons.
Key metrics vs top competitors for X Financial (XYF)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $4.97 | $33.68M | 0.16 | 26.56% | 19.17% | 19.26% | 66.14% | |
| $14.51 | $1.89B | 1.15 | 8.83% | 33.86% | 24.95% | — | |
| $4.71 | $1.17B | 3.42 | 1.03% | 18.75% | 6.05% | — | |
| $1.85 | $312.03M | 1.37 | -9.94% | 11.52% | 14.68% | — | |
| $2.73 | $918.46K | -0.01 | -60.88% | -14.04% | -1.25% | — | |
| $2.98 | $154.86M | 4.87 | -85.08% | 24.72% | 37.66% | — |
X Financial (XYF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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X Financial (XYF) stock FAQ — growth, dividends, profitability & financials explained
X Financial (XYF) reported $6.62B in revenue for fiscal year 2025.
X Financial (XYF) grew revenue by 26.6% over the past year. This is strong growth.
Yes, X Financial (XYF) is profitable, generating $1.46B in net income for fiscal year 2025 (19.2% net margin).
Yes, X Financial (XYF) pays a dividend with a yield of 66.14%. This makes it attractive for income-focused investors.
X Financial (XYF) has a return on equity (ROE) of 19.3%. This is reasonable for most industries.
X Financial (XYF) generated $1.45B in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.
