X Financial
XYF
Last
$5.15
Day
+1.6%
1y
-64.4%
5y
+22.5%
52w
-65.4%
SPY YTD
+13.3%
XLF
-1.3%
Earnings
2026-11-1940d
EMA 21
5.14
EMA 50
5.16
EMA 200
5.97
20d high
-6.9%
5y high
-75.1%
5y range
18th
Positions held
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Add it to see shares, cost, and P&L here.
Score
-13
Hold
avoid
Signal
Sell
Target
$5.50
Stop
$4.72
Stop distance
8.3%
Target vs last
+6.8%
Fundamentals
| Market cap | $187.25M | Enterprise value | -$516.28M | Trailing P/E | 2.43 | Forward P/E | 13.70 |
| PEG | — | Price / book | 0.17 | Beta | 0.43 | Dividend yield | 11.05% |
| Revenue growth | -56.3% | Earnings growth | -89.6% | Gross margin | 60.1% | Operating margin | 49.9% |
| Profit margin | 10.1% | ROE | 7.3% | ROA | 14.2% | Debt / equity | 0.05 |
| Current ratio | 4.40 | Free cash flow | — | Analyst recommendation | none | Mean target | — |
| 52w high | $14.37 | 52w low | $3.30 |
Quarterly
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | |
|---|---|---|---|---|---|---|
| Revenue | $994M | $1.2B | $1.5B | $2.0B | $2.3B | — |
| Op margin | 19.3% | 11.8% | 1.1% | 18.6% | 29.1% | — |
| Net income | $47.0M | $37.9M | $57.2M | $421M | $528M | — |
| Gross margin | 57.5% | 58.6% | 64.3% | 73.1% | 77.2% | — |
| Gross profit | $571M | $689M | $944M | $1.4B | $1.8B | — |
| Operating income | $192M | $139M | $16.0M | $366M | $661M | — |
- Revenue -16% vs prior quarter ($994M vs $1.2B).
- Gross margin 57.5% (was 58.6% prior quarter).
- Operating margin expanded to 19.3%.
Yearly (6y)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Revenue | $7.6B | $5.9B | $4.8B | $3.6B | — |
| Op margin | 21.1% | 31.5% | 29.2% | 30.4% | — |
| Net income | $1.5B | $1.5B | $1.2B | $812M | — |
| Gross margin | 73.3% | 70.0% | 67.3% | 62.5% | — |
| Gross profit | $5.6B | $4.1B | $3.2B | $2.2B | — |
| Operating income | $1.6B | $1.8B | $1.4B | $1.1B | — |
Headline scan
No flags
• No distress or material-risk keywords in recent headlines (keyword scan only — not a guarantee).
News
2026-08-25 · X Financial (XYF) Q2 2026 Earnings Call Transcript
2026-08-24 · X Financial (XYF) (Q2 2026) Earnings Call Highlights: Revenue Declines 56% Amid Strategic ...
2026-08-24 · X Financial Q2 Earnings Call Highlights
2026-08-24 · X Financial Reports Second Quarter 2026 Unaudited Financial Results
2026-08-18 · X Financial to Report Second Quarter 2026 Financial Results on August 24, 2026
Price (daily)
Full chart · RSI · MACD · patternsXYF · daily-4.5% over 13 sessions
Close EMA21 EMA50 EMA200
Quarterly · revenue, net income, margins
Revenue Net income Gross margin Op margin