X Financial Sponsored ADR XYF

5.26 0.04 0.77% as of 25 Sep
Market cap
$119.1M
P/E
2.4×
Growth Flags show if company had growth for consecutive years

Insider Decisions

Total sells 0.94
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — 1 — — —
Insider Ownership 13.01%

Capital & Financial Ratios

Market Cap 119.12
Revenue 825.05
Net Income 209.43
Free Cash Flow 572.89
Net Debt (230.39)
Current Ratio 2.06
Debt/Equity 0.05
P/E ratio 2.37
P/S ratio 0.24
P/B ratio 0.17
Past 5Y EPS Growth 15.35%
This Y EPS Growth —
Next Y EPS Growth —
Next 5Y EPS Growth 29.31%
in millions of $

Dividends

Payout Ratio 0.00
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2026 0.56
0.28
0.28
2025 0.53
0.25
0.28
2024 0.34
0.17
0.17
2020 Powerpack
2019 0.30
0.30
2018 Powerpack
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 274 228 305 289
Receivables 234 278 450 203
Inventory — — — —
Other 240 268 245 130
1,470 1,467 1,829 1,309
2023 2024 2025 Q'26
Payables — — — —
ST’ Debt 80 45 59 58
Other 564 365 578 312
812 663 972 636
in millions of $

Compound Annual Growth

10y 5y 3y
Sales — 26.59% 28.36%
Cash Flow — 0.00% 64.92%
Earnings — 0.00% 21.17%
Book Value — 18.91% 17.59%

Revenue

Mar Jun Sep Dec Year
’26 171 146 — — —
’25 267 317 275 233 1,092
’24 167 189 226 223 804
’23 146 168 191 172 678
’22 140 123 126 128 517
’21 138 144 150 137 569
’20 75 55 82 124 336
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 — — — — —
’25 — — — 210 210
’24 — — — 209 209
’23 — — — 115 115
’22 — — — 47 47
’21 — — — 70 70
’20 — — — (104) (104)
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 — — — — —
’25 — — — 207 207
’24 — — — 207 207
’23 — — — 113 113
’22 — — — 46 46
’21 — — — 70 70
’20 — — — (105) (105)
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.14 0.19 — — —
’25 1.46 1.68 1.42 0.21 5.04
’24 1.01 1.14 1.10 1.10 4.32
’23 0.85 1.03 0.96 0.54 3.45
’22 0.39 0.49 0.54 0.75 2.19
’21 0.53 0.61 0.76 0.40 2.31
’20 (0.51) (0.90) (0.31) (1.88) (3.74)
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
— — 12.45 4.95 1.41 1.90 1.62 2.65 3.48 5.44

Analyst estimates 2026–2028

Powerpack
Low Price
— — 60.90 22.62 5.40 17.88 3.45 5.00 8.59 20.36
High Price
— 798 744 693 457 424 461 521 563 643
Employees
0 0 1 1 1 1 1 1 1 2
Revenue/Emp
35 270 515 444 336 569 517 678 804 1,092
Revenue
0.00% 57.46% 66.50% 47.06% 5.54% 45.87% 40.31% 40.40% 70.40% 73.55%
Gross Margin
(22) 72 158 95 (245) 187 177 198 260 250
EBT
(63.92%) 26.78% 30.64% 21.50% (73.03%) 32.84% 34.34% 29.14% 32.26% 22.91%
EBT Margin
(18) 51 128 111 (201) 130 118 167 211 209
Net Income
— 1 1 2 2 1 1 1 1 2
Depreciation
0.68 6.20 10.78 8.48 6.28 10.37 9.79 14.12 16.71 26.87
Revenue/Sh
(0.06) 1.18 2.70 2.13 (3.74) 2.36 2.24 3.48 4.38 5.15
Earnings/Sh
0.24 (2.14) 0.02 1.65 (1.94) 1.28 0.89 2.39 4.34 5.16
Cash Flow/Sh
0.00 (0.07) (0.12) (0.04) (0.02) (0.01) (0.02) (0.02) (0.04) (0.08)
Capex/Sh
0.24 (2.21) (0.10) 1.61 (1.96) 1.28 0.87 2.36 4.30 5.08
Free CF/Sh
1.06 6.13 10.71 12.00 8.81 11.37 13.07 17.15 19.79 27.56
Book Value/Sh
51 44 48 52 54 55 53 48 48 41
Shares
359.10 359.10 21.35 2.37 0.00 1.28 1.34 1.09 1.88 1.09
PE Ratio
0.00 0.00 0.00 0.60 0.32 0.29 0.30 0.27 0.50 0.21
PS Ratio
0.00 0.00 1.30 0.42 0.23 0.26 0.23 0.22 0.42 0.20
PB Ratio
0.00 0.00 0.00 (0.12) (0.39) 0.06 0.04 (0.02) 0.27 (0.02)
EV/Sales
0.00 0.00 0.00 0.00 1.51 0.43 0.22 (0.11) 0.50 (0.03)
EV/FCF
12 (93) 1 86 (104) 70 47 115 209 210
Op' Cash Flow
(1) (3) (6) (2) (1) 0 (1) (1) (2) (3)
Capex
12 (96) (5) 84 (105) 70 46 113 207 207
FCF
— 225 443 519 408 513 579 658 804 857
Working Cap'
12 9 29 3 54 26 10 80 45 59
Total Debt
(61) (94) (209) (319) (238) (131) (136) (194) (183) (247)
Net Debt
54 267 512 627 471 624 689 824 953 1,121
Sh' Equity
(4.29%) 12.40% 20.36% 11.93% (17.15%) 11.26% 9.68% 11.44% 12.94% 11.27%
ROA
0.00% 27.48% 38.32% 23.65% (58.65%) 26.10% 17.72% 20.11% 20.84% 16.67%
ROIC
(11.08%) 32.06% 33.00% 19.53% (36.50%) 23.65% 17.93% 22.10% 23.76% 20.20%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

X Financial Sponsored ADR (XYF) key facts

  • X Financial Sponsored ADR (XYF) is a Credit Services company in the Financial sector, traded in the US as an ADR.
  • X Financial Sponsored ADR’s revenue for fiscal 2025 (year ended December 2025) was $1.1 billion, up 35.8% from fiscal 2024.
  • As of September 25, 2026, XYF traded at $5.26, a market capitalization of $119.1 million.
  • Return on equity was 20.2% and debt-to-equity 0.05.

Source: company filings (standardised) and stockrow calculations.

X Financial Sponsored ADR (XYF) Latest News

News by impact score

Fine-tune

27 Aug

4

X Financial (XYF) active-borrower count fell 74.8% year over year. Better credit metrics may stabilize the business. 74.8% active-borrower decline represents a major operational setback likely to shift company trajectory and investor views.

24 Aug

4 transcript

X Financial Sponsored ADR (XYF) Q2 2026 earnings call transcript provides details on quarterly performance and executive discussions. Earnings transcripts deliver critical updates on financial health and strategy affecting stock trajectory.

4 transcript

X Financial (XYF) reported 56% revenue decline in Q2 2026 earnings call amid strategic shifts. 56% revenue drop signals major strategic and performance challenges likely to alter XYF trajectory and sentiment.

3 transcript

X Financial reported Q2 results during its earnings call, detailing revenue, net income, loan origination volumes and credit metrics along with management commentary on growth outlook and risk management. Quarterly earnings figures and forward guidance can shift near-term sentiment and valuation for XYF without altering long-term strategy.

3

X Financial reports unaudited financial results for the second quarter of 2026. Quarterly results release provides metrics that moderately shift XYF valuation and sentiment.

1 Jun

3 transcript

X Financial (XYF) Q1 2026 earnings transcript covers quarterly financial results and management commentary. Q1 2026 earnings metrics and guidance may shift near-term investor sentiment on XYF.

28 May

3

X Financial (XYF) reported Q1 2026 earnings call results, highlighting navigation of challenges alongside improved margins. Q1 earnings call details on margins and challenges indicate moderate effects on XYF operations and sentiment.

27 May

3

X Financial releases unaudited financial results for first quarter 2026. Quarterly earnings reports influence near-term stock price and sentiment.

20 May

4 transcript

X Financial reported its Q1 2025 earnings, highlighting key financial metrics and strategic initiatives. The company demonstrated growth in revenue and customer acquisition, while also addressing challenges in the current market environment. Management provided insights into future expectations and ongoing projects aimed at enhancing operational efficiency and market presence. Significant strategic initiatives and growth metrics indicate a likely impact on future performance and investor sentiment.

3 transcript

X Financial Sponsored ADR (XYF) released its Q4 2025 earnings transcript detailing quarterly financial results, management commentary, and forward outlook. Quarterly earnings results and outlook commentary typically influence near-term stock sentiment and valuation.

26 Mar

4

X Financial (XYF) Q4 2025 earnings call highlights navigating operational challenges through strategic adjustments including cost optimizations, product pivots, and market repositioning amid regulatory pressures and economic headwinds. Strategic adjustments detailed in Q4 earnings call address core challenges, likely driving significant shifts in financial performance and market positioning.

4

X Financial's Q4 earnings call highlights key financial results, performance metrics, and strategic updates for the quarter. Q4 earnings call highlights disclose critical financial performance and guidance shaping investor expectations and stock trajectory.

25 Mar

4

X Financial announced unaudited financial results for Q4 and full fiscal year 2025. Quarterly and annual financial results disclosure significantly influences stock price and investor perceptions of company performance.

8 Jan

3

X Financial Sponsored ADR (XYF) is highlighted as a promising small-cap investment in the US market, showcasing its potential for growth amid a competitive landscape. The article emphasizes XYF's innovative financial solutions and strategic positioning, which could attract investor interest and enhance market performance. Analysts suggest that the company's focus on technology-driven services may provide a competitive edge, making it a noteworthy candidate for investors seeking hidden gems in the small-cap sector. XYF's innovative approach and strategic positioning may moderately influence its financial performance and market sentiment.

5 Jan

3

X Financial (NYSE: XYF) is being considered for a watchlist due to its recent performance and market conditions. Investors are evaluating the company's potential for growth and stability in the current financial landscape. Analysts suggest that monitoring XYF could be beneficial as it navigates challenges and opportunities in the market. Current market conditions and company performance may moderately influence investor sentiment and financial outcomes.

24 Nov

4

X Financial (XYF) reported its Q3 2025 earnings, highlighting strategies to navigate growth amidst ongoing regulatory challenges. The company emphasized its commitment to compliance while pursuing expansion opportunities. Key financial metrics showed resilience despite the regulatory landscape, and management outlined future initiatives aimed at enhancing operational efficiency and customer engagement. Investors were reassured by the company's proactive approach to potential risks and its focus on sustainable growth. Regulatory challenges and strategic initiatives are likely to significantly impact future performance and investor sentiment.

20 Nov

3

X Financial (NYSE: XYF) reported its Q3 2025 results, showing a revenue increase of 23.9% year-over-year. However, the company experienced a sequential decline due to rising credit costs and a slowdown in borrower activity, indicating challenges in maintaining growth amid changing market conditions. Rising credit costs and moderating borrower activity are expected to moderately influence financial performance.

11 Nov

3

X Financial Sponsored ADR (XYF) is scheduled to report its financial results for the third quarter of 2025 on November 21, 2025. Investors and analysts are likely to closely monitor the results for insights into the company's performance and future outlook. Quarterly financial results can moderately influence investor sentiment and provide insights into the company's operational performance.

15 Sep

3

Bitdeer Technologies Group has achieved a 91 Relative Strength (RS) Rating, indicating strong performance relative to other stocks. This rating reflects the company's resilience and potential for growth in a competitive market, suggesting positive investor sentiment and interest in its stock. A 91 RS Rating indicates moderately noticeable influence on market performance and investor sentiment.

1 Sep

4

X Financial insiders hold a 54% stake in the company, indicating significant personal investment and alignment with shareholder interests. This level of insider ownership suggests that management is likely motivated to enhance company performance and shareholder value, potentially influencing strategic decisions and market confidence. High insider ownership typically correlates with strong alignment between management and shareholder interests, which can significantly impact company performance.

26 Aug

3

X Financial Sponsored ADR (XYF) is highlighted among the top 100 financial stocks to consider for investment. The article evaluates various financial stocks, emphasizing XYF's potential for growth and its strategic positioning within the market. Investors are encouraged to assess XYF's performance in relation to broader market trends and other financial entities. XYF's inclusion in a list of top financial stocks suggests a moderately noticeable influence on its market performance.

21 Aug

4 transcript

X Financial (XYF) reported robust growth in its Q2 2025 earnings call, highlighting strong financial performance despite facing regulatory challenges. The company emphasized its strategic initiatives aimed at navigating the evolving regulatory landscape while maintaining a focus on customer acquisition and retention. Management expressed confidence in sustaining growth momentum and adapting to market changes, indicating a positive outlook for the upcoming quarters. Regulatory challenges and strategic initiatives are likely to significantly impact future performance and investor sentiment.

18 Aug

4

X Financial (NYSE: XYF) reported a 66% increase in revenue for Q2 2025, alongside record loan originations and improved asset quality. The company's strong performance reflects its growth strategy and effective risk management, positioning it favorably in the financial services sector. The significant revenue growth and record loan originations indicate a strong strategic position and potential for future performance enhancement.

5 Aug

4

X Financial Sponsored ADR (XYF) is highlighted as a promising small-cap investment in the U.S. market, showcasing its potential to redefine growth opportunities. The article emphasizes the company's innovative financial services and strategic positioning within the fintech sector, suggesting that XYF could outperform larger competitors. Analysts predict that XYF's unique offerings and market strategies may attract investor interest, leading to significant appreciation in its stock value. Overall, XYF is portrayed as an undiscovered gem with the potential for substantial returns. XYF's innovative strategies and market positioning are likely to significantly influence its future performance and investor sentiment.

28 Jul

3

X Financial Sponsored ADR (XYF) is under consideration for inclusion on investment watchlists due to its recent performance and market positioning. Analysts are evaluating its growth potential and financial health, particularly in the context of the evolving financial technology landscape. The company's strategies and market dynamics are being closely monitored as investors seek opportunities in the sector. Moderate influence is expected due to the company's positioning in a competitive financial technology market.

19 Jun

4

X Financial (NYSE:XYF) shares have surged 534% over the past three years, with a recent 37% gain in the last three months. Despite an 8% pullback, the company's earnings per share (EPS) grew 40% annually, lagging behind the 85% increase in share price, indicating strong market optimism. The total shareholder return (TSR) over three years reached 611%, boosted by dividends. Over the past year, shareholders enjoyed a 303% TSR, outperforming the 47% annualized return over five years. However, potential risks exist, with three warning signs identified for the company. Significant market optimism and strong total shareholder returns indicate a likely positive impact on future performance.

23 May

4

X Financial, an online personal finance company in China, has a market cap of $734.44 million and reported a 29.2% earnings growth over the past year, outperforming the industry average. Despite a significant one-off loss of CN¥2.3 billion, the company trades at a 60.6% discount to its estimated fair value. Recent share repurchase programs and consistent dividends indicate management's confidence in future prospects. The significant one-off loss and the company's trading discount suggest potential for a major strategic recovery and investor sentiment shift.

21 May

4

X Financial (XYF) reported Q1 2025 earnings with loan originations of RMB35.15 billion, an 8.8% sequential increase and 63.4% year-over-year growth. Total revenue reached RMB1.94 billion, up 13.4% sequentially and over 60% year-over-year. Delinquency rates improved, with 31 to 60-day delinquency at 1.25% and 91 to 180-day at 2.7%. Income from operations rose 52% year-over-year to RMB573 million, and non-GAAP adjusted net income increased by 44.9%. The company announced a share repurchase plan of up to USD100 million. Q2 2025 loan facilitation is expected between RMB37.5 billion and RMB39.5 billion. However, there are concerns about regulatory impacts and a slight uptick in delinquency rates compared to the end of last year. Significant strategic moves and regulatory changes could alter the company's growth trajectory.

19 May

4

X Financial (NYSE: XYF) reported its unaudited financial results for Q1 2025, showing a 63.4% year-over-year increase in total loan amount facilitated, reaching RMB35.1 billion. Active borrowers rose by 77.1% to 2.43 million, with total outstanding loans increasing to RMB58.4 billion. Net revenue grew by 60.4% to RMB1.94 billion, while net income increased by 26.2% to RMB458.1 million. The company also announced a new share repurchase program of up to $100 million. X Financial expects continued strong demand in Q2 2025, projecting loan facilitation between RMB37.5 billion and RMB39.5 billion. Significant growth in loan facilitation and active borrowers indicates strong market demand and operational efficiency.

2 May

4

X Financial (NYSE:XYF) has seen a significant stock increase of 67.83% year-to-date in 2025, driven by strong earnings growth and a low valuation compared to peers. The company reported a record revenue of 5.9 billion RMB for 2024, a 22% year-over-year increase, and a 104% surge in Q4 net income. With earnings per share growing 6,235% over the past three years, XYF ranks 4th among the best-performing financial services stocks this year. Despite this, there is a belief that AI stocks may offer greater investment potential. Strong earnings growth and significant stock performance indicate a likely positive impact on future market performance.

stockrow.com/XYF · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com