XYF

MKT CAP:$189M

X Financial Class A

Market Cap

$189M

Financial Services·Credit Services·🇺🇸 United States·NYSE

Financials·Credit·🇺🇸·NYSE

Stock Price

$4.71-$0.74 (-13.62%)

Jun 5, 2026

52W High $18.5352W Low $3.22

Company Details

X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. The company offers Xiaoying credit loans, which are online personal credit loan products comprising Xiaoying card...

CEO

—

IPO Date

Sep 18, 2018

Website

ir.xiaoyinggroup.com

Key Metrics TTM (CNY)

Revenue

¥6.3B

+22.2% YoY

Net Income

¥1.0B

EPS (Diluted)

Free Cash Flow

¥2.9B

Revenue / Share

¥964.53

Gross Margin

58.2%

Operating Margin

18.7%

Net Margin

16.5%

FCF Margin

45.6%

P/S

P/E

Earnings Reports

Q1 2026

May 27, 2026

NEW

¥1.2B-19.4%

FY 2025

Mar 25, 2026

¥7.4B+26.6%

Q4 2025

Mar 25, 2026

¥1.4B-15.3%

Q3 2025

Nov 20, 2025

¥2.0B+81.0%

Q2 2025

Aug 18, 2025

¥1.8B+86.4%

Revenue & Profitability (CNY)

Operating Cash Flow (CNY)

CapEx Spend (CNY)

CapEx Spend

OpEx vs Revenue Growth (YoY)

Stock-Based Compensation (CNY)

OpEx Breakdown (CNY)

War Chest (CNY)

Shares Outstanding

Revenue Per Employee (CNY)

Revenue / Employee