X Financial-adr Share Price (NYSE: XYF)

$13.06

▲

-0.42

(-3.12%)

Live

Last updated on August 18, 2025 at 11:39 PM IST

$₹

Check the interactive X Financial-adr Stock chart to analyse performance

X Financial-adr stock performance

as on August 18, 2025 at 11:39 PM IST

Today's Low:$13.05
Today's High:$13.56
$13.06
0.11%
Downside
Day's Volatility :3.8%
Upside
3.69%
52 Weeks Low:$4.35
52 Weeks High:$20.36
$13.06
66.69%
Downside
52 Weeks Volatility :78.63%
Upside
35.84%

X Financial-adr Stock Returns

Period	X Financial-adr	Sector (Financials)	Index (Russel 2000)
3 Months	-10.13%	1.7%	0.0%
6 Months	41.6%	0.6%	0.0%
1 Year	209.17%	19.9%	0.0%
3 Years	387.52%	47.1%	-11.6%

X Financial-adr Key Stats

Check X Financial-adr key stats like market cap, P/E ratio, EPS, Dividend Yield, and more.

Previous Close	$13.48
Open	$13.86
Today's High	$13.56
Today's Low	$13.045
Market Capitalization	$569.0M
Today's Volume	$487.2K
52 Week High	$20.355
52 Week Low	$4.35
Revenue TTM	$6.6B
EBITDA	$4.4B
Earnings Per Share (EPS)	$4.84
PE Ratio	2.79
Dividend Yield	3.12%
Profit Margin	24.77%
Quarterly Earnings Growth YOY	0.44%
Return On Equity TTM	23.94%

Stock Returns calculator for X Financial-adr Stock including INR - Dollar returns

The X Financial-adr stock calculator helps Indian investors calculate returns based on the historical performance of the stock. Just choose your investment amount and duration to get insights and invest more confidently. See stock returns as well as the effect of dollar appreciation over different durations.

*Dollar Return is the profit earned when the US dollar rises in value compared to the Indian rupee.

Investment Value

₹1,00,000

X Financial-adr investment value today

Current value as on today

₹3,03,615

Returns

₹2,03,615

(+203.61%)

Returns from X Financial-adr Stock

₹1,99,541 (+199.54%)

Dollar Returns*

₹4,073 (+4.07%)

Indian investors sentiment towards X Financial-adr Stock

200%

Period: Jul 18, 2025 to Aug 17, 2025. Change in 30 Days versus previous period

Search interest for X Financial-adr Stock from India on INDmoney has increased by 200% in the last 30 days, reflecting an upward trend in search activity.

Global Institutional Holdings in X Financial-adr

Name
Holdings %
Name
Holdings %
UBS Group AG
0.39%
UBS O'Connor LLC
0.37%
AWH Capital, L.P.
0.32%
Acadian Asset Management LLC
0.25%
Morgan Stanley - Brokerage Accounts
0.24%
Renaissance Technologies Corp
0.20%

Analyst Recommendation on X Financial-adr Stock

Rating

Trend

Sell

0%Buy

37%Hold

62%Sell

Based on 8 Wall street analysts offering stock ratings for X Financial-adr(by analysts ranked 0 to 5 stars)

X Financial-adr Share Price Target

What analysts predicted

Downside of 86.98%

Target:

$1.70

Current:

$13.06

X Financial-adr share price target is $1.70, a slight Downside of 86.98% compared to current price of $13.06 as per analysts' prediction.

X Financial-adr Stock Insights

Price Movement
In the last 1 month, XYF stock has moved down by -26.1%
Increasing Revenue
Revenue is up for the last 2 quarters, 728.32M → 1.45B (in $), with an average increase of 49.8% per quarter
Increasing Net Profit
Netprofit is up for the last 3 quarters, 375.84M → 458.12M (in $), with an average increase of 9.2% per quarter

X Financial-adr Financials

Revenue

Profit

Cash Flow

Annually

Quarterly

FY19

FY20

FY21

FY22

FY23

FY24

	FY19	Y/Y Change
Revenue	$182.3M	↓ 63.89%
Net Income	$110.4M	↓ 12.32%
Net Profit Margin	60.56%	↑ 35.62%

	FY20	Y/Y Change
Revenue	$-9.4M	↓ 104.81%
Net Income	$-200.1M	↓ 269.0%
Net Profit Margin	2.1K%	↑ 2067.09%

	FY21	Y/Y Change
Revenue	$237.4M	↓ 2558.43%
Net Income	$129.6M	↓ 163.08%
Net Profit Margin	54.59%	↓ 2073.06%

	FY22	Y/Y Change
Revenue	$220.3M	↑ 1.69%
Net Income	$116.4M	↓ 1.62%
Net Profit Margin	52.82%	↓ 1.77%

	FY23	Y/Y Change
Revenue	$674.3M	↑ 213.18%
Net Income	$166.2M	↑ 46.16%
Net Profit Margin	24.65%	↓ 28.17%

	FY24	Y/Y Change
Revenue	$351.4M	↓ 46.85%
Net Income	$211.5M	↑ 29.75%
Net Profit Margin	60.17%	↑ 35.52%

Q4 FY23

Q1 FY24

Q2 FY24

Q3 FY24

Q4 FY24

Q1 FY25

	Q4 FY23	Q/Q Change
Revenue	$81.0M	↓ 40.48%
Net Income	$50.9M	↑ 4.59%
Net Profit Margin	62.76%	↑ 27.04%

	Q1 FY24	Q/Q Change
Revenue	$80.3M	↑ 0.0%
Net Income	$50.4M	↑ 0.0%
Net Profit Margin	62.76%	↑ 0.0%

	Q2 FY24	Q/Q Change
Revenue	$93.1M	↑ 16.76%
Net Income	$57.2M	↑ 14.36%
Net Profit Margin	61.48%	↓ 1.28%

	Q3 FY24	Q/Q Change
Revenue	$153.3M	↑ 60.59%
Net Income	$53.1M	↓ 9.5%
Net Profit Margin	34.65%	↓ 26.83%

	Q4 FY24	Q/Q Change
Revenue	$100.0M	↓ 32.86%
Net Income	$53.0M	↑ 2.6%
Net Profit Margin	52.95%	↑ 18.3%

	Q1 FY25	Q/Q Change
Revenue	$200.0M	↑ 99.13%
Net Income	$63.2M	↑ 18.8%
Net Profit Margin	31.59%	↓ 21.36%

FY19

FY20

FY21

FY22

FY23

FY24

	FY19	Y/Y Change
Profit	$-75.7M	↓ 122.95%

	FY20	Y/Y Change
Profit	$-363.6M	↑ 347.8%

	FY21	Y/Y Change
Profit	$-82.8M	↓ 77.84%

	FY22	Y/Y Change
Profit	$-69.9M	↓ 7.39%

	FY23	Y/Y Change
Profit	$240.3M	↓ 451.53%

	FY24	Y/Y Change
Profit	$351.4M	↑ 49.14%

Q4 FY23

Q1 FY24

Q2 FY24

Q3 FY24

Q1 FY25

	Q4 FY23	Q/Q Change
Profit	$12.7M	↓ 90.69%

	Q1 FY24	Q/Q Change
Profit	$12.6M	↑ 0.0%

	Q2 FY24	Q/Q Change
Profit	$-73.4M	↓ 688.37%

	Q3 FY24	Q/Q Change
Profit	$88.6M	↓ 217.81%

	Q1 FY25	Q/Q Change
Profit	$83.6M	-

FY19

FY20

FY21

FY22

FY23

FY24

	FY19	Y/Y Change
Operating Cash Flow	$85.6M	↑ 11116.84%
Investing Cash Flow	$-439.1M	↓ 845.94%
Financing Cash Flow	$386.6M	↑ 1391.39%

	FY20	Y/Y Change
Operating Cash Flow	$-103.8M	↓ 213.1%
Investing Cash Flow	$-566.4M	↑ 20.3%
Financing Cash Flow	$686.6M	↑ 65.64%

	FY21	Y/Y Change
Operating Cash Flow	$70.5M	↓ 166.13%
Investing Cash Flow	$-368.6M	↓ 36.63%
Financing Cash Flow	$204.3M	↓ 71.02%

	FY22	Y/Y Change
Operating Cash Flow	$46.2M	↓ 28.16%
Investing Cash Flow	$-130.9M	↓ 61.09%
Financing Cash Flow	$82.6M	↓ 55.71%

	FY23	Y/Y Change
Operating Cash Flow	$114.0M	↑ 152.29%
Investing Cash Flow	$-154.9M	↑ 21.12%
Financing Cash Flow	$171.9M	↑ 112.97%

	FY24	Y/Y Change
Operating Cash Flow	$209.2M	↑ 87.12%
Investing Cash Flow	$16.8M	↓ 111.03%
Financing Cash Flow	$-265.7M	↓ 257.66%

Q1 FY19

Q2 FY19

Q3 FY19

Q1 FY21

Q1 FY22

	Q1 FY19	Q/Q Change
Operating Cash Flow	$-29.6M	↑ 0.0%
Investing Cash Flow	$36.5M	↑ 19202.07%
Financing Cash Flow	$79.9M	↑ 0.0%

	Q2 FY19	Q/Q Change
Operating Cash Flow	$0.0	↓ 100.0%
Investing Cash Flow	$0.0	↓ 100.0%
Financing Cash Flow	$0.0	↓ 100.0%

	Q3 FY19	Q/Q Change
Operating Cash Flow	$0.0	-
Investing Cash Flow	$0.0	-
Financing Cash Flow	$0.0	-

	Q1 FY21	Q/Q Change
Operating Cash Flow	$-104.4T	-
Investing Cash Flow	$-569.3T	-
Financing Cash Flow	$690.1T	-

	Q1 FY22	Q/Q Change
Operating Cash Flow	$94.7B	↓ 100.09%
Investing Cash Flow	$-485.5B	↓ 99.92%
Financing Cash Flow	$427.3B	↓ 99.94%

X Financial-adr Technicals Summary

Sell

Neutral

Buy

X Financial-adr is currently not in a favorable trading position ( SELL ) according to technical analysis indicators.

X Financial-adr Vs Peers

Returns

Ratio's

Overview

Company Name	1 Month	6 Month	1 Year	3 Years	5 Years
X Financial-adr	-26.82%	41.6%	209.17%	387.52%	376.09%
Capital One Financial Corporation	-0.21%	6.23%	50.72%	91.99%	227.9%
Paypal Holdings, Inc.	-7.47%	-11.94%	-0.29%	-28.3%	-64.03%
Mastercard Inc.	4.88%	2.3%	24.57%	64.19%	75.0%
American Express Co.	0.83%	-2.36%	20.24%	88.28%	215.28%
Visa, Inc.	-1.84%	-3.44%	29.27%	61.86%	71.39%

Company Name	P/E Ratio	P/B Ratio	PEG Ratio	EPS	ROE	ROA	Div Yield	BVPS
X Financial-adr	2.79	2.79	NA	0.0	0.24	0.23	0.03	176.83
Capital One Financial Corporation	595.0	595.0	0.91	17.68	0.0	0.0	0.01	165.05
Paypal Holdings, Inc.	14.82	14.82	0.9	5.21	0.23	0.05	NA	21.04
Mastercard Inc.	39.22	39.22	2.31	16.32	1.77	0.24	0.01	8.67
American Express Co.	21.47	21.47	2.06	15.3	0.33	0.04	0.01	46.42
Visa, Inc.	33.67	33.67	1.97	11.42	0.52	0.17	0.01	19.58

Company Name	Analyst View	Market Cap	5 Years Return %	PE Ratio	Profit Margin
X Financial-adr	Sell	$569.0M	376.09%	2.79	24.77%
Capital One Financial Corporation	Hold	$133.2B	227.9%	595.0	0.0%
Paypal Holdings, Inc.	Hold	$66.1B	-64.03%	14.82	14.49%
Mastercard Inc.	Buy	$525.9B	75.0%	39.22	44.93%
American Express Co.	Buy	$212.6B	215.28%	21.47	15.99%
Visa, Inc.	Buy	$668.6B	71.39%	33.67	52.16%

About X Financial-adr

X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. The company offers Xiaoying credit loans, which are online personal credit loan products comprising Xiaoying card loans and other unsecured loan products; and Xiaoying housing loans, a secured home equity loan product. It also provides guarantee, consulting, e-commerce, and microcredit services. In addition, the company engages in the technology development and service, as well as the sale of products. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.

Organization	X Financial-adr
Employees	563
CEO	Mr. Yue Tang
Industry	Finance

Key Management of X Financial-adr

Name	Title
Mr. Yue Tang	Founder, CEO & Chairman
Mr. Kan Li	President & Director
Mr. Ding Gao	Co-Founder
Mr. Fuya Zheng	Chief Financial Officer
Ms. Jennifer Zhang	Investor Relations
Mr. Yufan Jiang	Chief Risk Officer

Important FAQs about investing in XYF Stock from India :

What is X Financial-adr share price today?

X Financial-adr share price today is $13.06 as on August 18, 2025 at 11:39 PM IST. X Financial-adr share today touched a day high of $13.56 and a low of $13.05.

What is the 52 week high and 52 week low for X Financial-adr share?

X Financial-adr share touched a 52 week high of $20.36 and a 52 week low of $4.35. X Financial-adr stock price today, August 18, 2025 at 11:39 PM IST is trending at $13.06, lower by 35.84% versus the 52 week high.

How to invest in X Financial-adr Stock (XYF) from India?

Step 1: Open a free US stocks account on INDmoney App and transfer your Rupees into Dollars to your INDmoney US stocks account. For a step by step instruction, check How to Transfer Money to Your US Stocks Account .
Step 2: Search for X Financial-adr on INDmoney app. Click on Buy button. You can invest as low as $1.5 in X Financial-adr Shares that will get you 0.1149 shares as per X Financial-adr share price of $13.06 per share as on August 18, 2025 at 11:39 PM IST.

What is the minimum amount required to buy X Financial-adr Stock (XYF) from India?

Indian investors can start investing in X Financial-adr (XYF) shares with as little as ₹87.3775 or $1 (as of August 18, 2025) using the INDmoney app.
For example: If you want to invest $10 or ₹873.77 in X Financial-adr stock (as per the Rupee-Dollar exchange rate as on August 18, 2025). Based on X Financial-adr share’s latest price of $13.06 as on August 18, 2025 at 11:39 PM IST, you will get 0.7657 shares of X Financial-adr. Learn more about fractional shares .

What are the returns that X Financial-adr has given to Indian investors in the last 5 years?

X Financial-adr stock has given 376.09% share price returns and 16.91% dollar appreciation to an Indian investor in the last 5 years.
Read more about How do Currency Exchange Rates impact your US Stock Investments?