CSIMarket
 
X Financial  (NYSE: XYF)
 
Price: $5.7000 $0.16 2.888%
Day's High: $5.659999847412109 Week Perf: 5.17 %
Day's Low: $ 5.35 30 Day Perf: 15.38 %
Volume (M): 99,678 52 Wk High: $ 15.96
Volume (M$): $ 0 52 Wk Avg: $7.09
Open: $5.54 52 Wk Low: $3.30



 Market Capitalization (Millions $) 1,422
 Shares Outstanding (Millions) 249
 Employees 1,326
 Revenues (TTM) (Millions $) 1,095
 Net Income (TTM) (Millions $) 209
 Cash Flow (TTM) (Millions $) 0
 Capital Exp. (TTM) (Millions $) 0

Business Description


X Financial, also known as Xiaoying Technology, is a leading online consumer finance marketplace in China that offers personal loans, installment loans, and other credit-related products and services. The company was founded in 2014 and is headquartered in Shenzhen.

The X Financial platform connects borrowers with investors through its online platform, where borrowers can apply for loans and investors can invest in loan products. The platform uses advanced risk assessment technology and data analytics to evaluate creditworthiness and reduce risk. This allows it to offer reliable and convenient financial services to its customers.

X Financial's consumer finance products are designed to provide quick and convenient access to credit for individuals and small businesses. Its loan products include short-term loans, long-term loans, and revolving credit lines. X Financial also partners with traditional financial institutions to provide more comprehensive financial services to its customers.

In addition to its platform operations, X Financial has also developed a mobile app that allows customers to access its services anywhere at any time. The app provides a seamless user experience with end-to-end loan application processing and real-time customer support. The company has implemented several measures to ensure the security of its platform and protect customer data.

Furthermore, X Financial has been focused on expanding its business and product offerings. It has established partnerships with various institutions and companies to diversify its product portfolio, and it has also acquired a few finance-related companies in recent years. The company has consistently recorded revenue growth year over year and is expected to continue to expand in the Chinese financial industry.

In conclusion, X Financial is a reputable online consumer finance marketplace in China that provides various loan products and other financial services through its advanced platform and mobile app. It has a strong focus on technology and innovation that sets it apart from other traditional financial institutions in the country.


   Company Address: 7-8F, Block A, Aerospace Science and Technology Plaza Shenzhen 518067
   Company Phone Number: 8628 2977   Stock Exchange / Ticker: NYSE XYF


   

Stock Performances by Major Competitors

5 Days Decrease / Increase
     
BFH   -0.68%    
• View Complete Report
   





Fundamental Analysis

Valuation Current
Price to Earnings PE Ratio (TTM) 6.79
Price to Earnings PE Ratio (Expected) -
Price to Sales (TTM) 1.30
Price to Sales (Expected) -
Price to Book 1.27
PEG (TTM) 0.41

Financial Strength Current
Quick Ratio 2.06
Working Capital Ratio 2.26
Leverage Ratio (MRQ) 0.87
Total Debt to Equity 0.03
Interest Coverage (TTM) 60.68
Debt Coverage (TTM) 4.98

Per Share Current
Earnings (TTM) 0.84 $
Revenues (TTM) 4.39 $
Cash Flow (TTM) -
Cash 1.77 $
Book Value 4.49 $
Dividend (TTM) 0.09 $

Efficiency Current
Revenue per Employee (TTM) 826,064
Net Income per Employee (TTM) 157,940
Receivable Turnover Ratio (TTM) -
Inventory Turnover Ratio (TTM) -
Asset Turnover Ratio (TTM) 0.67

Profitability Ratios Current
Gross Margin (MRQ) 97.39 %
Operating Margin (MRQ) 21.28 %
Net Margin (MRQ) 19.12 %
Net Cash Flow Margin (MRQ) 0 %
Effective Tax Rate (TTM) 16.67 %

Management Effectiveness Current
Return On Assets (TTM) 12.74 %
Return On Investment (TTM) 10.25 %
Return On Equity (TTM) 18.69 %
Dividend Yield 1.58 %
Pay out Ratio (TTM) 10.71 %



X Financial's Segments





Help

About us

Products

Data downloads

API

CSIMarket Company, Sector, Industry, Market Analysis, Stock Quotes, Earnings, Economy, News and Research.

Intraday data delayed per exchange requirements. All quotes are in local exchange time. Intraday data delayed 15 minutes for Nasdaq, and other exchanges. Fundamental and financial data for Stocks, Sector, Industry, and Economic Indicators provided by CSIMarket.com

Disclaimer: Information provided by CSIMarket.com is for informational purposes only and does not constitute investment advice, recommendation, or solicitation to buy or sell any security.

© 2026 CSIMarket.com — Proprietary financial dataset. All rights reserved. Redistribution or automated extraction prohibited.