X Financial Class A (XYF)

Official site

FINANCIAL SERVICES • CREDIT SERVICES • NYSE

$5.14

+0.29 (+5.98%)

Market Cap: $179.13M

Last updated: Oct 16, 2026 at 1:55 PM ET

Earnings

Performance (10Y)

Beat Rate

25%(2/8)

Avg Surprise

-134.34%

Period	Reported	Est.	Range	Surprise	B/M	Analysts	Revisions	YoY
Jun 30, 2026Jun 26 Reported Aug 24, 2026Reported Aug 24	$0.65	N/A	-	N/A	Beat	-	-	-64.9%
Mar 31, 2026Mar 26 Reported May 28, 2026Reported May 28	$0.14	N/A	-	N/A	Beat	-	-	-90.1%
Dec 31, 2025Dec 25 Reported Mar 26, 2026Reported Mar 26	$0.20	N/A	-	N/A	Beat	1	-	-82.0%
Sep 30, 2025Sep 25 Reported Nov 20, 2025Reported Nov 20	$1.41	N/A	-	N/A	Beat	-	-	+30.6%
Jun 30, 2025Jun 25 Reported Aug 18, 2025Reported Aug 18	$1.85	N/A	-	N/A	Beat	-	-	+61.6%
Mar 31, 2025Mar 25 Reported May 19, 2025Reported May 19	$1.40	N/A	-	N/A	Beat	-	-	+37.1%
Dec 31, 2024Dec 24 Reported Mar 19, 2025Reported Mar 19	$1.13	N/A	-	N/A	Beat	1	-	+112.2%
Sep 30, 2024Sep 24 Reported Nov 26, 2024Reported Nov 26	$1.08	N/A	-	N/A	Beat	-	-	+11.2%
Jun 30, 2024Jun 24 Reported Aug 21, 2024Reported Aug 21	$1.15	N/A	-	N/A	Beat	-	-	+7.5%
Mar 31, 2024Mar 24 Reported May 30, 2024Reported May 30	$1.02	N/A	-	N/A	Beat	-	-	+40.1%
Dec 31, 2023Dec 23 Reported Mar 26, 2024Reported Mar 26	$0.53	N/A	-	N/A	Beat	-	-	-29.9%
Sep 30, 2023Sep 23 Reported Nov 22, 2023Reported Nov 22	$0.97	N/A	-	N/A	Beat	-	-	+71.7%
Jun 30, 2023Jun 23 Reported Aug 28, 2023Reported Aug 28	$1.07	N/A	-	N/A	Beat	-	-	+114.6%
Mar 31, 2023Mar 23 Reported May 24, 2023Reported May 24	$0.73	N/A	-	N/A	Beat	-	-	+80.7%
Dec 31, 2022Dec 22 Reported Mar 30, 2023Reported Mar 30	$0.76	N/A	-	N/A	Beat	-	-	+49.0%
Sep 30, 2022Sep 22 Reported Nov 16, 2022Reported Nov 16	$0.56	N/A	-	N/A	Beat	-	-	-25.7%
Jun 30, 2022Jun 22 Reported Aug 8, 2022Reported Aug 8	$0.50	N/A	-	N/A	Beat	-	-	-34.9%
Mar 31, 2022Mar 22 Reported May 23, 2022Reported May 23	$0.40	N/A	-	N/A	Beat	-	-	-34.2%
Dec 31, 2021Dec 21 Reported Mar 30, 2022Reported Mar 30	$0.51	N/A	-	N/A	Beat	0	No revisions (30d)	-4.0%
Sep 30, 2021Sep 21 Reported Nov 22, 2021Reported Nov 22	$0.76	N/A	-	N/A	Beat	-	-	+140.5%
Jun 30, 2021Jun 21 Reported Aug 9, 2021Reported Aug 9	$0.76	$0.00	$0.00 - $0.00	N/A	Beat	0	No revisions (30d)	+345.4%
Mar 31, 2021Mar 21 Reported Apr 23, 2021Reported Apr 23	$0.61	$0.00	$0.00 - $0.00	N/A	Beat	0	No revisions (30d)	+104.4%
Dec 31, 2020Dec 20 Reported Mar 31, 2021Reported Mar 31	$0.53	$0.00	$0.00 - $0.00	N/A	Beat	0	No revisions (30d)	+202.4%
Sep 30, 2020Sep 20 Reported Dec 1, 2020Reported Dec 1	$-1.87	$0.00	$0.00 - $0.00	N/A	Beat	0	No revisions (30d)	-516.0%
Jun 30, 2020Jun 20 Reported Aug 20, 2020Reported Aug 20	$-0.31	$0.10	$0.10 - $0.10	-410.90%	Miss	0	No revisions (30d)	-134.9%
Mar 31, 2020Mar 20 Reported Apr 27, 2020Reported Apr 27	$0.30	N/A	-	-61.54%	Miss	1	No revisions (30d)	-56.5%
Dec 31, 2019Dec 19 Reported Mar 31, 2020Reported Mar 31	$-0.52	$0.11	$0.11 - $0.11	-571.55%	Miss	1	No revisions (30d)	-169.2%
Sep 30, 2019Sep 19 Reported Nov 20, 2019Reported Nov 20	$0.45	$0.74	$0.74 - $0.74	-39.19%	Miss	1	No revisions (30d)	+25.0%
Jun 30, 2019Jun 19 Reported Aug 18, 2019Reported Aug 18	$0.89	$0.65	$0.65 - $0.65	+36.92%	Beat	1	No revisions (30d)	+196.7%
Mar 31, 2019Mar 19 Reported May 20, 2019Reported May 20	$0.69	$0.76	$0.74 - $0.77	-9.21%	Miss	2	No revisions (30d)	+820.0%
Dec 31, 2018Dec 18 Reported Mar 18, 2019Reported Mar 18	$0.75	$0.72	$0.69 - $0.75	+4.17%	Beat	2	No revisions (30d)	+1391.1%
Sep 30, 2018Sep 18 Reported Nov 19, 2018Reported Nov 19	$0.36	$0.47	$0.44 - $0.49	-23.40%	Miss	2	1 0 30d	+2055.7%
Jun 30, 2018Jun 18 Reported Aug 7, 2018Reported Aug 7	$0.30	$0.00	-	N/A	Beat	-	-	+920.4%
Mar 31, 2018Mar 18 Reported May 22, 2018Reported May 22	$0.07	N/A	-	N/A	Beat	-	-	-
Dec 31, 2017Dec 17 Reported Feb 13, 2018Reported Feb 13	$0.05	N/A	-	N/A	Beat	-	-	-
Jun 30, 2017Jun 17 Reported Jun 30, 2017Reported Jun 30	$0.02	N/A	-	N/A	Beat	-	-	-
Mar 31, 2017Mar 17 Reported Mar 31, 2017Reported Mar 31	$0.03	N/A	-	N/A	Beat	-	-	-

Dividends

Dividend Metrics

Forward Yield10.90%

Forward Annual Dividend$0.56

Payout Ratio4.45%

FrequencySemi-Annual

Pay MonthsMay, Sep, Oct

XYF dividend history and ex-dividend dates Run XYF in the free DRIP calculator

Key Metrics

Valuation
P/E Ratio	2.14	EV/EBITDA	-1.56x
Price/FCF	0.00x	FCF Yield	478792.78%
Profitability
Profit Margin	10.10%	Operating Margin	49.90%
ROE	7.28%	ROIC	13.98%
Financial Health
Debt/Equity	0.05x	Interest Coverage	2.96x
Current Ratio	10.65x	Quick Ratio	10.65x
Trading Statistics
Beta	0.43	Avg Volume	56.32K
52-Week High	$11.99	52-Week Low	$2.96

Technical Indicators Dashboard

Moving Averages

SMA 10$5.06

SMA 20$5.11

SMA 50$5.12

SMA 200$4.80

EMA 10$5.07

EMA 20$5.08

EMA 50$5.04

EMA 200$5.72

MACD

Line: -0.01Signal: -0.00Hist: -0.01

ADX

ADX: 10.8+DI: 13.1-DI: 15.5

Aroon & PSAR

Aroon Up44.0

Aroon Down20.0

PSAR$5.43

Bollinger Bands

Upper Band$5.36

Lower Band$4.85

%B Position996%(Upper)

Band Width0.56

RSI (14-Day)

Neutral

51.8

Momentum Oscillators

Stoch %K23.7

Stoch %D23.3

Williams %R-50.0

ROC (10d)0.4%

Momentum0.02

CCI (20d)-59.0

MFI (14d)34.5

Volatility Measures

ATR (14d)$0.24(4.7%)

StdDev (20d)0.13

Hist Vol44.7%(High)

Volume Flow

VWAP$5.04

OBV-11.6M

AD Line-188.0M

CMF (20d)-0.161

Volume Metrics

Avg Vol (20d)51.7K

Vol Ratio1.4x

VWMA (20d)$5.10

Pivot Points

R3$5.14

R2$5.08

R1$4.97

Pivot Point$4.91

S1$4.79

S2$4.73

S3$4.62

Advanced Oscillators

TSI-2.05

Ultimate Osc44.1

KST-11.70

Financial Data

Quarter	Jun 2026	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023
Total Revenue	$990.78M	$1.17B	$1.45B	$1.96B	$2.27B	$1.94B	$1.71B	$1.08B	$944.06M	$785.04M	$578.58M	$971.91M
Cost of Revenue	$419.79M	$482.43M	$498.40M	$626.47M	$513.97M	$479.37M	$434.64M	$566.49M	$455.39M	$366.41M	$488.09M	$518.98M
Gross Profit	$570.98M	$686.60M	$949.18M	$1.33B	$1.76B	$1.46B	$1.27B	$516.92M	$488.67M	$418.63M	$90.50M	$452.93M

Operating Expenses	$376.58M	$546.79M	$929.28M	$972.56M	$1.09B	$896.29M	$1.18B	$43.45M	$39.73M	$34.43M	$42.52M	$35.46M
R&D	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
SG&A	$46.26M	$47.12M	$46.16M	$52.12M	$49.54M	$51.74M	$552.59M	$49.50M	$30.06M	$29.82M	$38.47M	$40.20M
Operating Income	$194.40M	$139.81M	$19.90M	$361.93M	$665.48M	$561.85M	$528.51M	$473.47M	$448.94M	$384.20M	$376.54M	$417.47M

Interest Income	$16.49M	$7.31M	$6.04M	$377.86M	$323.92M	$307.42M	$354.94M	$336.98M	$349.19M	$330.34M	$305.10M	$293.63M
Interest Expense	$1.55M	$2.05M	$14.70M	$524.94M	$756.26M	$709.01M	$503.70M	$506.76M	$323.64M	$248.37M	$248.37M	$419.89M
Income Before Tax	$101.25M	$109.48M	$40.75M	$501.42M	$638.81M	$574.65M	$490.70M	$476.17M	$504.87M	$428.16M	$426.12M	$421.36M
Income Tax Expense	$54.40M	$71.77M	$-15,630,244	$80.18M	$110.80M	$116.53M	$0	$100.33M	$89.57M	$65.03M	$65.03M	$74.17M

Net Income	$46.85M	$37.72M	$56.38M	$421.24M	$528.02M	$458.13M	$385.63M	$375.84M	$415.30M	$363.14M	$363.14M	$347.19M

EBITDA	$102.80M	$111.54M	$51.91M	$1.22B	$665.48M	$561.85M	N/A	$473.47M	$448.94M	$384.20M	$674.07M	$417.47M
EBIT	$192.19M	$138.93M	$40.75M	$1.22B	$660.54M	$1.14B	N/A	$1.07B	$-580,549,000	$672.76M	$672.76M	$476.14M

* Some calculated fields are derived from available data when not provided by source

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News

X Financial (XYF) Free Cash Flow 2025: $206.7M, unchanged

X Financial (XYF) reported a free cash flow of $206.7 million for fiscal year 2025, which remained unchanged from the previous fiscal year. Over the past eight fiscal years...

Stock Titan•Sep 26, 2026 8:20 PM ET9/26/26•Neutral

X Financial (XYF) Stock Retreats As Profitability Shrinks Dramatically

X Financial (XYF) saw its stock retreat by 1.5% after reporting a sharp decline in profitability for Q2, with net income falling 91.1% year-over-year. Despite a significant drop in revenue...

Simply Wall Street•Aug 25, 2026 6:41 PM ET8/25/26•Bearish

X Financial Declares Dividend of 28c >XYF

X Financial (XYF) has declared a dividend of 28 cents per share. This declaration will be of interest to investors and shareholders following the company's financial distributions.

Moomoo•Aug 24, 2026 9:41 PM ET8/24/26•Bullish

X Financial (NYSE:XYF) Posts Quarterly Earnings Results, Beats Expectations By $0.35 EPS

X Financial (NYSE:XYF) reported Q2 earnings of $0.65 EPS, exceeding analyst expectations of $0.29, but revenue of $146.24 million fell short of the $190.63 million consensus. The company prioritized credit quality...

MarketBeat•Aug 24, 2026 9:41 PM ET8/24/26•Neutral

X Financial Q2 Earnings Call Highlights

X Financial (XYF) reported lower Q2 revenue and loan origination volumes due to a conservative operating approach focusing on credit quality and liquidity. Despite a significant year-over-year decline in financial...

TradingView•Aug 24, 2026 9:41 PM ET8/24/26•Somewhat-Bearish

XYF Valuation and Fair Value

P/E: 2.1x
EV/EBITDA: -1.6x
P/FCF: 0.0x
P/B: 0.0x

See GNG's fair value

XYF Profitability: Margins, ROIC and FCF

Gross margin: 63.5%
Operating margin: 49.9%
Net margin: 10.1%
ROIC: 14.0%
ROE: 7.3%
FCF margin: 127869.8%
FCF yield: 478792.8%

XYF Competitors

Company	Ticker
Finward Bancorp	FNWD
MainStreet Bancshares Inc	MNSBP
Triplepoint Venture Growth BDC Corp	TPVG
GP-Act III Acquisition Corp. Class A Ordinary Share	GPAT
Neostellar Capital Corp.	NSLR
Hanover Bancorp Inc	HNVR
Westwood Holdings Group Inc	WHG
GIG	GIG

Sector: Financial Services

XYF Bull Case vs Bear Case

Bull case

XYF converts 127869.8% of revenue into free cash flow.

Bear case

XYF beat EPS estimates in 37.5% of its last 8 reported quarters.
XYF's quarterly revenue changed -56.3% year over year.

XYF Earnings: Beat Rate and Next Report

Beat rate: 3 of 8 quarters (37.5%)
Average surprise: -270.8%

XYF Dividend

Forward yield: 10.9%
Payout ratio: 4.4%
Pay months: May, Sep, Oct

XYF dividend history

Frequently Asked Questions About XYF

What is XYF's current dividend yield?

X Financial Class A (XYF) has a forward dividend yield of 10.90%.

Does XYF pay dividends?

Yes, X Financial Class A pays dividends with a forward dividend yield of 10.90%.

What is XYF's P/E ratio?

X Financial Class A has a price-to-earnings (P/E) ratio of 2.14.

What is XYF's market cap?

X Financial Class A (XYF) has a market capitalization of $179.13M with a current stock price of $5.14.

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