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X Financial Sponsored ADR

XYF Financial Credit Services

X Financial Sponsored ADR’s revenue for fiscal 2025 (year ended December 2025) was $1.1 billion, up 35.8% from fiscal 2024.

Revenue
−53.9%
EPS
−89.2%
Free cash flow
+194.9%
Total debt
+4.19%

Quarter to June 2026, against a year earlier

5.71 1.01 +21.49%
Market cap
$107.3M
P/E
2.2×
Fwd P/E
—
Dividend yield
12.0%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 0.94
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — 1 — — — — —
Insider Ownership 13.01%

Capital & Financial Ratios $m

Size
Market Cap 107.25
Revenue ttm 825.05
Net income ttm 209.43
Free cash flow ttm 572.89
Net debt Q (230.39)
Valuation
P/E 2.17
Forward P/E —
Price / sales 0.21
Forward P/S Powerpack
Price / FCF 0.31
Price / book 0.15
Financial health
Current ratio Q 2.06
Debt / equity Q 0.05
Interest coverage Q 124.93
Growth
Revenue growth Q −53.85% (below 0%: shrinking)
Operating income growth Q −69.51% (below 0%: shrinking)
EPS, this year —
EPS, next year A —
Revenue, next year A —
EPS, past 5 yrs —
EPS, next 5 yrs A +29.31% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 58.45%
10-year low 10-year high
P/S against its own 10 years 8.12%
10-year low 10-year high
P/B against its own 10 years 1.67%
10-year low 10-year high

Dividends raised 3 years running

Yield
12.0%
Annual rate
0.56
Payout ratio
26.5%
Growth, 2019–26
+9.33%/yr
  1. 0.30 ’19
  2. 0.00 ’20 −100
  3. 0.34 ’24
  4. 0.53 ’25 +56
  5. 0.56 ’26 +6
paid change on the year, %

Assets vs Liabilities $m

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

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%

Earnings Trends EPS, adjusted, against the consensus

Mar 2020 Estimate 0.27 Actual −0.42

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Sep 2018 0.33 0.72 Beat by 0.39
Dec 2018 0.60 0.78 Beat by 0.18
Mar 2020 0.27 −0.42 Miss by 0.69

EPS $

Mar Jun Sep Dec Year
’26 0.14 0.19 — — —
’25 1.46 1.68 1.42 0.36 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.

Revenue $m

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
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

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

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 — — — — —
’25 — — — 207 207
’24 — — — 207 207
’23 — — — 113 113
’22 — — — 46 46
’21 — — — 70 70
’20 — — — (105) (105)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 35 270 515 444 336 569 517 678 804 1,092 825 +46.7% — — — —
Gross margin, % 0.00 57.46 66.50 47.06 5.54 45.87 40.31 40.40 70.40 73.55 65.54 +73.6 pt
EBT (22) 72 158 95 (245) 187 177 198 260 250 133 n/m
EBT margin, % (63.92) 26.78 30.64 21.50 (73.03) 32.84 34.34 29.14 32.26 22.91 16.11 +86.8 pt
Net income (18) 51 128 111 (201) 130 118 167 211 209 209 n/m
Per share, $
Per share, $ Revenue 0.68 6.20 10.78 8.48 6.28 10.37 9.79 14.12 16.71 26.87 21.98 +50.4%
Earnings (0.35) 1.18 2.70 2.13 (3.74) 2.36 2.24 3.48 4.38 5.15 2.16 n/m
Cash flow 0.24 (2.14) 0.02 1.65 (1.94) 1.28 0.89 2.39 4.34 5.16 0.00 +40.4%
Capex 0.00 (0.07) (0.12) (0.04) (0.02) (0.01) (0.02) (0.02) (0.04) (0.08) 0.00 n/m
Free cash flow 0.24 (2.21) (0.10) 1.61 (1.96) 1.28 0.87 2.36 4.30 5.08 0.00 +40.1%
Book value 1.06 6.13 10.71 12.00 8.81 11.37 13.07 17.15 19.79 27.56 30.44 +43.6%
Shares, m 51 44 48 52 54 55 53 48 48 41 39 (2.5%)
Valuation, ×
Valuation, × P/E 359.10 359.10 21.35 2.37 0.00 1.28 1.34 1.09 1.88 1.10 2.17 74.9
P/S 0.00 0.00 0.00 0.60 0.32 0.29 0.30 0.27 0.50 0.21 0.21 0.2
P/B 0.00 0.00 1.30 0.42 0.23 0.26 0.23 0.22 0.42 0.20 0.15 0.3
EV/Sales 0.00 0.00 0.00 (0.12) (0.39) 0.06 0.04 (0.02) 0.27 (0.02) — 0.0
EV/FCF 0.00 0.00 0.00 0.00 1.51 0.43 0.22 (0.11) 0.50 (0.03) — 0.3
Cash, $m
Cash, $m Operating cash flow 12 (93) 1 86 (104) 70 47 115 209 210 580 +36.9%
Capex (1) (3) (6) (2) (1) 0 (1) (1) (2) (3) (7) +22.1%
Free cash flow 12 (96) (5) 84 (105) 70 46 113 207 207 573 +36.7%
Balance, $m
Balance, $m Working capital — 225 443 519 408 513 579 658 804 857 672 +18.2%
Net debt (61) (94) (209) (319) (238) (131) (136) (194) (183) (247) (230) +16.8%
Shareholders’ equity 54 267 512 627 471 624 689 824 953 1,121 1,143 +40.1%
Returns, %
Returns, % ROA (4.29) 12.40 20.36 11.93 (17.15) 11.26 9.68 11.44 12.94 11.27 4.60 +15.6 pt
ROIC 0.00 27.48 38.32 23.65 (58.65) 26.10 17.72 20.11 20.84 16.67 7.47 +16.7 pt
ROE (11.08) 32.06 33.00 19.53 (36.50) 23.65 17.93 22.10 23.76 20.20 7.66 +31.3 pt
People
People Employees — 798 744 693 457 424 461 521 563 643 — (2.7%)
Revenue/emp, $m 0.00 0.34 0.69 0.64 0.74 1.34 1.12 1.30 1.43 1.70 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 26 Oct 2026

X Financial Sponsored ADR vs peers in Credit Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
MFIN Medallion Financial Corp. $223.7M 8.6× 8.8× +10.13% (above 0%: growing) −67.65% (below 0%: shrinking) +176.13% (above 0%: growing) 66.95% 0.00% Compare
FOA Finance of America Companies Inc. $222.1M — (loss-making) 2.6× −64.77% (below 0%: shrinking) n/m −89.96% (below 0%: shrinking) 100.00% (69.79%) Compare
CPSS Consumer Portfolio Services, Inc. $215.9M 9.1× 6.8× +21.66% (above 0%: growing) +45.45% (above 0%: growing) +11.04% (above 0%: growing) 100.00% 61.10% Compare
TROO TROOPS, Inc. $212.6M — (loss-making) — +10.79% (above 0%: growing) +101.54% (above 0%: growing) −94.20% (below 0%: shrinking) 23.83% 0.00% Compare
HTT High Templar Tech Limited - Sponsored ADR $161.2M 2.9× — (loss-making) −90.80% (below 0%: shrinking) n/m +347.70% (above 0%: growing) 20.72% (2,664.81%) Compare
XYF X Financial Sponsored ADR $107.3M 2.2× — −53.85% (below 0%: shrinking) −89.20% (below 0%: shrinking) +194.87% (above 0%: growing) 57.63% 19.62%
LX LexinFintech Holdings Ltd. Sponsored ADR $83.7M 0.7× — (loss-making) −6.21% (below 0%: shrinking) −78.57% (below 0%: shrinking) +2,545.55% (above 0%: growing) 15.55% (3.30%) Compare
SUIG Sui Group Holdings Limited $71.0M — (loss-making) — (loss-making) −61.71% (below 0%: shrinking) n/m −651.07% (below 0%: shrinking) 100.00% (5,439.12%) Compare
ANTA Antalpha Platform Holding Company $39.5M 2.8× — (loss-making) −28.24% (below 0%: shrinking) n/m 0.00% 56.88% (205.39%) Compare
Median of peers $186.9M 2.9× 6.8× −17.22% −11.10% +5.52% 61.92% (36.54%)

All 53 Credit Services stocks →

X Financial Sponsored ADR (XYF) Latest News

27 Aug

Impact 4 ·

24 Aug

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Impact 3 · · MarketBeat transcript
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1 Jun

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28 May

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27 May

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20 May

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26 Mar

Impact 4 · · GuruFocus.com
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25 Mar

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8 Jan

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15 Sep

Impact 3 · · Investor's Business Daily

1 Sep

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26 Aug

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21 Aug

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18 Aug

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5 Aug

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28 Jul

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19 Jun

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stockrow.com/XYF · Data as of Oct 26, 2026 · For information only; not investment advice. · © 2026 stockrow.com