X Financial Class A share price logo

X Financial Class A

NYSE: XYF

Small Cap

$4.73

-0.21

(-4.25%)

as on

X Financial Class A Stock Performance

as on May 1, 2026 at 6:59 am IST

  • Day's Low

    Day's High

    $4.46
    $4.75
    downward going graph

    5.71%

    Downside

    0.42%

    Upside

    downward going graph
  • 52 Week's Low

    52 Week's High

    $3.30
    $20.36
    downward going graph

    30.23%

    Downside

    330.34%

    Upside

    downward going graph

X Financial Class A share price movements today

Previous Close
$4.94
Open
$4.75
Volume
488.6K
Day's Low - High
$4.46 - $4.75
52 Week Low - High
$3.30 - $20.36

X Financial Class A Historical Returns

1 Month Return
+ 27.32 %
3 Month Return
-4.08 %
1 Year Return
-64.66 %
3 Year Return
+ 41.95 %
5 Year Return
+ 20.49 %

X Financial Class A Stock Fundamentals & Key Indicators

Check X Financial Class A market cap, PE, PB, PEG ratios, dividend yield, and other key fundamental indicators.

Market Cap

$193.1M

EPS (TTM)

0

Dividend Yield

0.00%

Quarterly Earnings Growth YOY

-0.82%

PE Ratio (TTM)

0.96

Industry PE ratio

3.326296296296296

PEG Ratio

0

EBITDA

4.8B

Revenue (TTM)

7.6B

Profit Margin

19.17%

Return On Equity TTM

19.81%

X Financial Class A Stock Valuation

Track how X Financial Class A P/E has moved over time to understand its valuation trends.

X Financial Class A in the last 5 years

  • Overview

  • Trends

Lowest (0.42x)

December 31, 2025

Today (0.96x)

April 30, 2026

Industry (3.33x)

April 30, 2026

Highest (164.84x)

June 30, 2021

LowHigh

Today’s Price to Earnings Ratio: 0.96x

X Financial Class A vs Peer Comparison

Compare market cap, revenue, PE, and other key metrics of X Financial Class A with its industry peers.

Company
Analyst View
Market Cap
5 Years Return %PE RatioProfit Margin %
SELL$193.1M20.49%0.9619.17%
HOLD$121.0B28.01%58.98.88%
BUY$215.4B105.84%19.6816.31%
BUY$596.3B43.37%26.9450.23%
BUY$464.5B37.47%31.7645.65%

Stock Returns calculator for X Financial Class A Stock including INR - Dollar returns

The X Financial Class A 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 Impact: The bonus return you make when the US Dollar rises against the Rupee; calculated on the full amount you walk away with, not just what you invested in.

Investment Value

₹1,00,000

  • 1Y

  • 3Y

  • 5Y

  • 7Y

X Financial Class A investment value today

Current value as on today

₹37,958

Returns

-₹62,042

(-62.04%)

Returns from X Financial Class A Stock

-₹66,166 (-66.17%)

Dollar Impact

₹4,124 (+4.12%)

Analyst Recommendation on X Financial Class A Stock

Based on 8 analysts

SELL

0.00%

Buy

37.50%

Hold

62.50%

Sell

Based on 8 analysts, 62.5% of analysts recommend a 'SELL' rating for X Financial Class A. Average target price of $1.7

X Financial Class A Share Price Target

Get share price movements and forecasts by analysts on X Financial Class A.

What analysts predicted

-178.24%DOWNSIDE

Target Price

$1.7

Current Price

$4.73

Analyzed by

8 Analysts

Target

$1.70

X Financial Class A target price $1.7, a slight downside of -178.24% compared to current price of $4.73. According to 8 analysts rating.

X Financial Class A Stock’s Investor Sentiment and Interest

Search interest for X Financial Class A Stock has decreased by -47% in the last 30 days, reflecting a downward trend in search activity.

Time period: to

Change:-47% versus previous 30 day period

X Financial Class A Quarterly Profit & Loss

All numbers in Millions USD

Sep 2023
Dec 2023
Mar 2024
Jun 2024
Sep 2024
Dec 2024
Mar 2025
Jun 2025
Sep 2025
Dec 2025
Total Revenue
133
81
109
130
153
100
200
1,759
1,960
1,447
Gross Profit
62
12
58
67
73
-
83
715
1,334
949
Operating Income
417
376
384
448
473
-
555
665
361
19
EBITDA
417
674
384
448
473
-
555
665
1,223
40
Interest Expense
419
248
248
323
506
503
709
756
524
14
Depreciation
-
-
-
-
-
-
-
-
-
-
Income Before Tax
421
426
428
504
476
490
574
638
501
40
Income Tax Expense
74
65
65
89
100
-
116
110
80
-15
Net Income
47
50
50
57
53
52
63
528
421
56
Net Profit Margin
35.72%
62.76%
46.26%
43.99%
34.69%
52.95%
31.59%
30.01%
21.48%
3.89%

X Financial Class A Annual Profit & Loss

All numbers in Millions USD

Dec 2016
Dec 2017
Dec 2018
Dec 2019
Dec 2020
Dec 2021
Dec 2022
Dec 2023
Dec 2024
Dec 2025
Total Revenue
-5
152
315
182
-9
237
332
458
806
7,431
Gross Profit
-6
99
220
138
-213
214
189
223
537
5,465
Operating Income
-147
478
1,084
663
-1,601
1,190
1,219
1,468
1,873
1,592
EBITDA
-144
483
1,094
675
-1,589
1,198
1,226
1,473
3,707
1,708
Interest Expense
-
-
0
0
4,225
19,385
833
1,370
1,582
3
Depreciation
-
5
9
11
11
8
6
5
7
-
Income Before Tax
-147
478
1,084
663
-1,608
1,190
1,208
1,447
1,945
1,708
Income Tax Expense
-27
138
209
-93
-299
368
396
261
405
283
Net Income
-17
51
128
110
-200
129
116
166
211
1,424
Net Profit Margin
305.28%
33.91%
40.69%
60.56%
2127.61%
54.59%
34.95%
36.21%
26.23%
19.17%

X Financial Class A Quarterly Cash Flow

All numbers in Millions USD

Sep 2023
Dec 2023
Mar 2024
Jun 2024
Sep 2024
Dec 2024
Mar 2025
Jun 2025
Sep 2025
Net Income
349
188
363
415
375
385
458
528
421
Operating Cash Flow
-
-
-
-
-
-
-
-
-
Investing Cash Flow
-
-
-
-
-
-
-
-
-
Financing Cash Flow
-
-
-
-
-
-
-
-
-
Change in Cash
22
-
-
-
-
-
-
-
-

X Financial Class A Annual Cash Flow

All numbers in Millions USD

Dec 2017
Dec 2018
Dec 2019
Dec 2020
Dec 2021
Dec 2022
Dec 2023
Dec 2024
Net Income
340
883
774
-1,308
825
811
1,186
1,539
Operating Cash Flow
-615
5
600
-679
449
322
814
1,523
Investing Cash Flow
-10
412
-3,079
-3,704
-2,347
-913
-1,106
122
Financing Cash Flow
830
181
2,711
4,490
1,301
576
1,227
-1,935
Change in Cash
179
593
242
78
-606
14
937
-282

Global Institutional Holdings in X Financial Class A

Funds
Holdings
Amvescap Plc.
0.05%
Renaissance Technologies Corp
0.21%
UBS Group AG
0.09%
Jump Financial LLC
0.06%
Cubist Systematic Strategies, LLC
0.18%

Insights on X Financial Class A

Insights help you understand the recent movement of the company's critical parameters, giving you an overall view of the company.

  • imgNO EFFECT

    Against Peers

    img

    In the last 1 year, American Express Co. has given 18.5% return, outperforming this stock by 83.2%

  • imgNO EFFECT

    Against Peers

    img

    In the last 3 years, Capital One Financial Corporation has given 95.6% return, outperforming this stock by 53.6%

  • imgNEGATIVE IMPACT

    Price Dip

    img

    In the last 6 months, XYF stock has moved down by -58.9%

  • imgNEGATIVE IMPACT

    Profit Down

    img

    Netprofit is down for the last 3 quarters, 528.01M → 56.37M (in $), with an average decrease of 53.4% per quarter

  • imgNEGATIVE IMPACT

    Revenue Fall

    img

    Revenue is down for the last 2 quarters, 1.96B → 1.44B (in $), with an average decrease of 26.2% per quarter

About X Financial Class A

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.
OrganisationX Financial Class A
HeadquartersAerospace Science and Technology Plaza, Shenzhen, China, 518067
IndustryCredit Services
CEOMr. Yue Tang
E-voting on sharesClick here to vote

Key Management of X Financial Class A

Name

Title

Mr. Yufan Jiang

Chief Risk Officer

Mr. Noah Kauffman

Chief Financial Strategy Officer

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

FAQs

What is X Financial Class A share price today?

X Financial Class A share price today is $4.73 as on at the close of the market. X Financial Class A share today touched a day high of $4.75 and a low of $4.46.

What is the 52 week high and 52 week low for X Financial Class A share?

X Financial Class A share touched a 52 week high of $20.36 on and a 52 week low of $3.3 on . X Financial Class A stock price today i.e. is closed at $4.73,which is 76.76% down from its 52 week high and 43.33% up from its 52 week low.

What is X Financial Class A's market capitalisation today?

X Financial Class A market capitalisation is $0.00T as on .

How to invest in X Financial Class A Stock (XYF) from India?

  1. 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 .
  2. Step 2: Search for X Financial Class A on INDmoney app. Click on Buy button. You can invest as low as $1.5 in X Financial Class A Shares that will get you 0.3171 shares as per X Financial Class A share price of $4.73 per share as on May 1, 2026 at 1:29 am IST.

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

Indian investors can start investing in X Financial Class A (XYF) shares with as little as ₹94.91 or $1 (as of ) using the INDmoney app.
For example: If you want to invest $10 or ₹949.10 in X Financial Class A stock (as per the Rupee-Dollar exchange rate as on ). Based on X Financial Class A share’s latest price of $4.73 as on May 1, 2026 at 1:29 am IST, you will get 2.1142 shares of X Financial Class A. Learn more about fractional shares .

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

X Financial Class A stock has given 20.49% share price returns and 27.2% dollar appreciation to an Indian investor in the last 5 years.
Read more about How do Currency Exchange Rates impact your returns on US Stock Investments?