X Financial offers personal finance services in the People's Republic of China. The company is headquartered in Shenzhen, the People's Republic of China.
| Revenue (TTM) | $5.60B |
| Gross Profit (TTM) | $3.37B |
| EBITDA | $2.94B |
| Operating Margin | 49.90% |
| Return on Equity | 7.28% |
| Return on Assets | 14.20% |
| Revenue/Share (TTM) | $144.26 |
| Book Value | $29.53 |
| Price-to-Book | 0.19 |
| Price-to-Sales (TTM) | 0.04 |
| EV/Revenue | 0.126 |
| EV/EBITDA | 0.98 |
| Quarterly Earnings Growth (YoY) | -89.60% |
| Quarterly Revenue Growth (YoY) | -56.30% |
| Shares Outstanding | $20.67M |
| Float | $13.87M |
| % Insiders | 16.66% |
| % Institutions | 4.03% |
Volatility is currently contracting
I initiate X Financial at 'Hold' after considering the positive and negative read-throughs from its recent quarterly disclosures. XYF's 2Q26 revenue fell 16% QoQ, with loan facilitation income dropping sharply amid a cautious origination strategy. But operating margins and delinquency rates improved sequentially, aided by AI-driven cost reductions and tighter underwriting.
X Financial NYSE: XYF reported lower second-quarter revenue and loan origination volumes as it maintained a conservative operating approach focused on credit quality, liquidity and balance-sheet strength. Management said tighter underwriting and expanded collections efforts contributed to sequential improvement in delinquency measures, though credit metrics remained substantially weaker than a year earlier.
SHENZHEN, China, Aug. 24, 2026 /PRNewswire/ -- X Financial (NYSE: XYF), a leading Chinese fintech platform, today announced its unaudited financial results for the second quarter ended June 30, 2026. This press release should be read in conjunction with the Company's Report on Form 6-K for the second quarter ended June 30, 2026, which has been furnished to the U.S. Securities and Exchange Commission and is available on the SEC's website at www.sec.gov and on the Company's investor relations website at http://ir.xiaoyinggroup.com.
SHENZHEN, China, Aug. 18, 2026 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company"), a leading online personal finance company in China, today announced that it will release its unaudited financial results for the second quarter ended June 30, 2026, before the open of U.S. markets on Monday, August 24, 2026. X Financial's management team will host an earnings conference call at 8:30 AM U.S. Eastern Time on Monday, August 24, 2026 (8:30 PM Beijing / Hong Kong Time on the same day).
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.
X Financial (XYF) Q1 2026 Earnings Call Prepared Remarks Transcript
SHENZHEN, China, May 27, 2026 /PRNewswire/ -- X Financial (NYSE: XYF), a leading Chinese fintech platform, today announced its unaudited financial results for the first quarter ended March 31, 2026. This press release should be read in conjunction with the Company's Report on Form 6-K for the first quarter ended March 31, 2026, which has been furnished to the U.S. Securities and Exchange Commission and is available on the SEC's website at www.sec.gov and on the Company's investor relations website at http://ir.xiaoyinggroup.com.
SHENZHEN, China, May 21, 2026 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company"), a leading online personal finance company in China, today announced that it will release its unaudited financial results for the first quarter ended March 31, 2026, before the open of U.S. markets on Thursday, May 28 2026. X Financial's management team will host an earnings conference call at 7:30 AM U.S. Eastern Time on Thursday, May 28, 2026 (7:30 PM Beijing / Hong Kong Time on the same day).
SHENZHEN, China, April 30, 2026 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company" or "we"), a leading online personal finance company in China, today announced it filed its annual report on Form 20-F for the fiscal year ended December 31, 2025 with the Securities and Exchange Commission ("SEC") on April 30, 2026. The annual report can be accessed on the Company's investor relations website at https://ir.xiaoyinggroup.com as well as the SEC's website at https://www.sec.gov.
X Financial (XYF) Q4 2025 Earnings Call Prepared Remarks Transcript
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