XYF X Financial
Data as of close
X Financial (XYF) is a financial company in the Finance Services industry. Shares last traded at $4.96, 60.3% below their 52-week high. Over the past year the stock is down 60.4%. Net profit margin is 19.2%, above the peer median of -1.0%. Revenue grew 30.1% year over year.
* P/E (TTM) = market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year — the same basis as the peer table and the screener, so it can differ from price ÷ EPS.
X Financial reports in CNY: EPS, dividends and financials are shown in CNY as filed, per ordinary share. There is no share count on file for the US listing (a depositary receipt prices at a ratio we do not source), so there is no market cap and no price ratio.
Performance
Chart
Full chart →Daily candles · volume · SMA(20)/SMA(50) · Databento EQUS.MINI.
Technicals
Financials
Trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year; revenue is the fiscal-year figure where quarterly revenue covers under half of it (typical for banks, insurers and REITs), and margins are taken on it; latest reported period ends 2025-12-31. Source: SEC EDGAR/XBRL, reported in CNY.
XYF Dividend History
| Fiscal year end | Total dividends paid | Per share* | Payout ratio |
|---|---|---|---|
| 2025-12-31 | CN¥155M | CN¥0.62 | 11% |
| 2024-12-31 | CN¥117M | CN¥0.40 | 8% |
| 2023-12-31 | CN¥58M | CN¥0.20 | 5% |
| 2019-12-31 | CN¥103M | CN¥0.32 | 13% |
*Per share derived as total dividends paid ÷ weighted diluted shares (SEC EDGAR/XBRL annual cash-flow facts). Reported history — not a forecast of future dividends.
Compare payers on the highest-dividend-yield screener.
Finance Services peers
XYF vs 14 industry peers (Finance Services), by market cap. Data as of close
| AXP | American Express | $223.0B | 18.20 | 5.08 | 27.9% | +2.22% |
| MSTR | MicroStrategy | $60.2B | — | 121.50 | — | +5.01% |
| COIN | Coinbase | $40.1B | — | 7.13 | -12.5% | +4.23% |
| SYF | Synchrony Financial | $23.4B | 7.01 | 1.01 | 15.4% | -0.20% |
| SOFI | Sofi Technologies, Inc. | $22.5B | 35.30 | 4.71 | 10.1% | +3.64% |
| CRCL | Circle Internet Group, Inc. | $19.5B | 42.20 | 7.11 | -2.5% | +1.22% |
| BMNR | Bitmine Immersion Technologies, Inc. | $13.1B | — | 2150.63 | — | +5.82% |
| CHYM | Chime Financial, Inc. | $11.3B | — | 4.61 | -0.7% | +6.03% |
| IREN | IREN | $6.9B | — | 9.71 | -99.4% | -11.32% |
| HUT | Hut 8 | $5.9B | — | — | — | -23.06% |
| WULF | TeraWulf | $5.8B | — | 35.31 | — | -6.78% |
| RIOT | Riot Platforms, Inc. | $5.8B | — | — | — | +9.77% |
| KLAR | Klarna Group Plc | $5.2B | — | — | — | +5.15% |
| DAVE | Dave Inc./De | $4.3B | 22.06 | 6.21 | 28.1% | +6.46% |
Source: SEC EDGAR (fundamentals/EPS/dividends, reported in CNY) · Databento EQUS.MINI (prices) · market cap & yield computed by tradmap. Informational only — not financial advice.