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Saturday 17 October 2026 Export XYF’s income statement to Excel — free account

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. In the quarter to June 2026, revenue fell 53.9%, EPS fell 89.2%, free cash flow grew 194.9% and total debt rose 4.19%, each against the same quarter a year earlier. Dividend growth for three consecutive years, revenue growth for three, operating cash flow growth for three.

4.99 0.13 −2.54%
Market cap
$116.8M
P/E
2.3×
Fwd P/E
—
Dividend yield
11.2%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

X Financial Sponsored ADR (XYF) P/E ratio

Alert me on P/E ratio

As of 16 October 2026, X Financial Sponsored ADR (XYF) trades at a P/E ratio of 2.3×. Over the past ten years it has ranged from 0.0× (September 2021) to 359× (September 2018); the current reading is higher than 68% of that period. That is below the Credit Services industry median of 9.4× and below the Financial sector median of 12.4×.

P/E ratio, daily

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Annual newest first

Period P/E ratio Change
FY2025 1.1× (41.99%)
FY2024 1.9× 72.18%
FY2023 1.1× (18.46%)
FY2022 1.3× 4.33%
FY2021 1.3× —
FY2020 0.0× —
FY2019 2.4× (88.88%)
FY2018 21.3× (94.06%)
FY2017 359× 0.00%
FY2016 359× —

Quarterly newest first

Period P/E ratio Change
Jun 2026 2.2× 100.72%
Mar 2026 1.1× 0.01%
Dec 2025 1.1× (53.57%)
Sep 2025 2.3× (26.03%)
27 more quarters

Against its own ten years

Low 0.0× High 359×
Ten-year median 1.3×
Current reading's percentile 62

P/E ratio against peers

Company P/E ratio
YRD Yirendai Ltd. compare n/m
SUIG Sui Group Holdings Limited compare n/m
TROO TROOPS, Inc. compare n/m
WEI Weidai Ltd. Sponsored ADR compare n/m
LX LexinFintech Holdings Ltd. Sponsored ADR compare 0.7×
XYF X Financial Sponsored ADR 2.3×
HTT High Templar Tech Limited - Sponsored ADR compare 3.5×
ANTA Antalpha Platform Holding Company compare 3.8×
CPSS Consumer Portfolio Services, Inc. compare 9.2×
Credit Services industry median 9.4×
Financial sector median 12.4×
Market median 18.1×

What P/E ratio is

Price to Earnings Ratio shows how much investors pay for each dollar of a company’s annual profit per share.

Stock Price ÷ EPS (Basic) (TTM)

The full definition of P/E ratio →

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