# X Financial (XYF) — Overview

XYF · NYSE · Stock

Canonical page: https://www.lighthorse.io/tickers/xyf

## Price

Last close $5.12 on Oct 15, 2026. 52-week range $3.41 – $13.77.

## Company profile

X Financial is a Cayman Islands-based technology-driven personal finance company. Along with its subsidiaries, the firm provides diversified investment opportunities to investors in China through its wealth management platform, Xiaoying Wealth Management. Loan products offered by the company include Xiaoying Card Loan, Xiaoying Preferred Loan, and Xiaoying Housing Loan. The company generates revenue from loan facilitation service, post-origination service, guarantee services provided and financing income.

## Financials

| Metric | Value |
| --- | --- |
| Revenue (trailing twelve months) | $824.4M |
| Revenue (quarter) | $146.4M |
| Revenue growth (year over year) | -53.85% |
| Gross profit (trailing twelve months) | $824.4M |
| Gross margin | 100.00% |
| Net income (trailing twelve months) | $84.3M |
| Net income (quarter) | $6.9M |
| Net income growth (year over year) | -90.61% |
| Net margin | 10.22% |
| Return on equity | 7.59% |
| EPS (trailing twelve months) | $2.20 |
| Book value per share | $30.95 |
| P/E (trailing twelve months) | 2.2 |
| Price to book | 0.2 |
| Debt to assets | 35.92% |
| Payout ratio | 10.50% |
| Dividend yield | 11.10% |

## Frequently Asked Questions

### Is X Financial (XYF) profitable?

Yes. X Financial earned $84.3M in net income over the trailing twelve months, a net margin of 10.22%.

### How much revenue does X Financial (XYF) make?

X Financial generated $824.4M in revenue over the trailing twelve months, down 53.85% year over year.

### What is XYF's P/E ratio?

X Financial trades at 2.2 times trailing twelve-month earnings, on an EPS of $2.20.

### How do I buy stock in X Financial (XYF)?

XYF trades commission-free with a Light Horse Securities brokerage account — from the mobile app, the web at [Light Horse Dashboard](https://portal.lighthorse.io), the trading API, or an [AI agent connected over MCP](/instructions/ai/claude). The trade panel on this page places the order once you are signed in.

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Data provided by [AInvest](https://www.ainvest.com).