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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. 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

Insider Decisions trades per month

Total sells 0.94
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — — — — — 1 — — — —
Insider Ownership 13.01%

Capital & Financial Ratios $m

Market Cap 116.84
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 2.25
Fwd P/E —
P/S ratio 0.23
P/B ratio 0.16
Past 5Y EPS Growth —
This Y EPS Growth —
Next Y EPS Growth —
Next Y revenue growth —
Next 5Y EPS Growth 29.31% (at or above 15%: strong)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 62.37%
10-year low 10-year high
P/S against its own 10 years 11.34%
10-year low 10-year high
P/B against its own 10 years 4.60%
10-year low 10-year high

Dividends

Payout Ratio 0.29
Annual Dividend Rate 0.56
Annual Dividend Yield 11.22%
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
special payouts not included in total or ratios

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%

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.

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

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low — — 12.45 4.95 1.41 1.90 1.62 2.65 3.48 5.44

Analyst estimates 2026–2028

Powerpack
High — — 60.90 22.62 5.40 17.88 3.45 5.00 8.59 20.36
People
People Employees — 798 744 693 457 424 461 521 563 643
Revenue/emp, $m 0.00 0.34 0.69 0.64 0.74 1.34 1.12 1.30 1.43 1.70
Income, $m
Income, $m Revenue 35 270 515 444 336 569 517 678 804 1,092
Gross margin, % 0.00 57.46 66.50 47.06 5.54 45.87 40.31 40.40 70.40 73.55
EBT (22) 72 158 95 (245) 187 177 198 260 250
EBT margin, % (63.92) 26.78 30.64 21.50 (73.03) 32.84 34.34 29.14 32.26 22.91
Net income (18) 51 128 111 (201) 130 118 167 211 209
Depreciation — 1 1 2 2 1 1 1 1 2
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
Earnings (0.06) 1.18 2.70 2.13 (3.74) 2.36 2.24 3.48 4.38 5.15
Cash flow 0.24 (2.14) 0.02 1.65 (1.94) 1.28 0.89 2.39 4.34 5.16
Capex 0.00 (0.07) (0.12) (0.04) (0.02) (0.01) (0.02) (0.02) (0.04) (0.08)
Free cash flow 0.24 (2.21) (0.10) 1.61 (1.96) 1.28 0.87 2.36 4.30 5.08
Book value 1.06 6.13 10.71 12.00 8.81 11.37 13.07 17.15 19.79 27.56
Shares, m 51 44 48 52 54 55 53 48 48 41
Valuation, ×
Valuation, × P/E 359.10 359.10 21.35 2.37 0.00 1.28 1.34 1.09 1.88 1.09
P/S 0.00 0.00 0.00 0.60 0.32 0.29 0.30 0.27 0.50 0.21
P/B 0.00 0.00 1.30 0.42 0.23 0.26 0.23 0.22 0.42 0.20
EV/Sales 0.00 0.00 0.00 (0.12) (0.39) 0.06 0.04 (0.02) 0.27 (0.02)
EV/FCF 0.00 0.00 0.00 0.00 1.51 0.43 0.22 (0.11) 0.50 (0.03)
Cash, $m
Cash, $m Operating cash flow 12 (93) 1 86 (104) 70 47 115 209 210
Capex (1) (3) (6) (2) (1) 0 (1) (1) (2) (3)
Free cash flow 12 (96) (5) 84 (105) 70 46 113 207 207
Balance, $m
Balance, $m Working capital — 225 443 519 408 513 579 658 804 857
Total debt 12 9 29 3 54 26 10 80 45 59
Net debt (61) (94) (209) (319) (238) (131) (136) (194) (183) (247)
Shareholders’ equity 54 267 512 627 471 624 689 824 953 1,121
Returns, %
Returns, % ROA (4.29) 12.40 20.36 11.93 (17.15) 11.26 9.68 11.44 12.94 11.27
ROIC 0.00 27.48 38.32 23.65 (58.65) 26.10 17.72 20.11 20.84 16.67
ROE (11.08) 32.06 33.00 19.53 (36.50) 23.65 17.93 22.10 23.76 20.20
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
CPSS Consumer Portfolio Services, Inc. $200.9M 9.2× 6.8× +10.59% (above 0%: growing) +31.82% (above 0%: growing) +94.93% (above 0%: growing) 100.00% 60.37% Compare
HTT High Templar Tech Limited - Sponsored ADR $199.4M 3.5× — (loss-making) −90.80% (below 0%: shrinking) n/m +347.70% (above 0%: growing) 20.72% (2,664.81%) Compare
TROO TROOPS, Inc. $196.7M — (loss-making) — +10.79% (above 0%: growing) +101.54% (above 0%: growing) −94.20% (below 0%: shrinking) 23.83% 0.00% Compare
XYF X Financial Sponsored ADR $116.8M 2.3× — −53.85% (below 0%: shrinking) −89.20% (below 0%: shrinking) +194.87% (above 0%: growing) 57.63% 19.62%
SUIG Sui Group Holdings Limited $104.5M — (loss-making) — (loss-making) −61.71% (below 0%: shrinking) n/m −651.07% (below 0%: shrinking) 100.00% (5,439.12%) Compare
LX LexinFintech Holdings Ltd. Sponsored ADR $90.7M 0.7× 3.1× −6.21% (below 0%: shrinking) −78.57% (below 0%: shrinking) +2,545.55% (above 0%: growing) 15.55% (3.30%) Compare
YRD Yirendai Ltd. $67.7M — (loss-making) 2.1× −43.13% (below 0%: shrinking) n/m −332.34% (below 0%: shrinking) 78.70% (39.50%) Compare
WEI Weidai Ltd. Sponsored ADR $67.6M — (loss-making) — −36.85% (below 0%: shrinking) n/m — 0.00% 0.00% Compare
ANTA Antalpha Platform Holding Company $55.9M 3.8× — (loss-making) −28.24% (below 0%: shrinking) n/m 0.00% 56.88% (205.39%) Compare
Median of peers $97.6M 3.7× 3.1× −32.54% +31.82% 0.00% 40.35% (21.40%)

All 55 Credit Services stocks →

X Financial Sponsored ADR (XYF) key facts

  • Strength: X Financial Sponsored ADR’s revenue for fiscal 2025 (year ended December 2025) was $1.1 billion, up 35.8% from fiscal 2024.
  • X Financial Sponsored ADR (XYF) is a Credit Services company in the Financial sector, traded in the US as an ADR.
  • As of October 16, 2026, XYF traded at $4.99, a market capitalization of $116.8 million.
  • X Financial Sponsored ADR pays an annual dividend of $0.56 per share, a yield of 11.2%, with a payout ratio of 28.6%.
  • Return on equity was 20.2% and debt-to-equity 0.05.
  • Its Piotroski F-score is 7 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

X Financial Sponsored ADR (XYF) Latest News

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