X Financial (XYF) Live Share Price, Invest From India

X Financial Stock Performance

as on October 10, 2026 at 2:15 pm IST

Day's Low
Day's High
$5.07
Day's Price Range
$5.18
$5.15
1.55%
Downside
0.58%
Upside
52 Week's Low
52 Week's High
$3.30
52-Week Price Range
$14.37
$5.15
35.92%
Downside
179.03%
Upside

X Financial share price movements today

Previous Close: $5.07
Open: $5.11
Volume: 367.9K
Market Cap: $206.8M
Dividend Yield: 11.05%
Day's Low - High: $5.07 - $5.18
52 Week Low - High: $3.30 - $14.37

X Financial Historical Returns

1 Month Return: -0.58 %
3 Month Return: + 10.04 %
1 Year Return: -60.78 %
3 Year Return: + 40.71 %
5 Year Return: + 16.52 %

X Financial Stock Fundamentals & Key Indicators

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

Market Cap

$206.8M

EPS (TTM)

85.56

Dividend Yield

11.05%

Quarterly Earnings Growth YOY

-0.90%

PE Ratio (TTM)

0.4

Industry PE ratio

16.35

PEG Ratio

-0.01

EBITDA

1.5B

Revenue (TTM)

5.6B

Profit Margin

63.60%

Return On Equity TTM

7.19%

X Financial vs Peer Comparison

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

Company	Analyst View	Market Cap	5 Years Return %	PE Ratio	Profit Margin %	Dividend Yield %
X Financial	Sell	$206.8M	16.52%	0.40	63.60%	11.05%
Capital One Financial	StrongBuy	$120.2B	18.05%	12.34	66.19%	1.60%
American Express	Buy	$205.5B	75.95%	18.68	84.35%	1.19%
Visa	StrongBuy	$694.7B	67.39%	31.87	80.18%	0.71%
Mastercard	StrongBuy	$499.4B	65.97%	31.56	100.00%	0.61%

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

The X Financial 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

X Financial investment value today

Current value as on today

₹42,694

Returns

-₹57,306

(-57.31%)

Returns from X Financial Stock

-₹60,777 (-60.78%)

Dollar Impact

₹3,471 (+3.47%)

Analyst Recommendation on X Financial 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. Average target price of $1.7

X Financial Share Price Target

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

What analysts predicted

-202.94%DOWNSIDE

Target Price

$1.7

Current Price

$5.15

Analyzed by

8 Analysts

Target

$1.70

X Financial target price $1.7, a slight downside of -202.94% compared to current price of $5.15. According to 8 analysts rating.

Indian Investors' Interest in X Financial Stock

Search interest for X Financial Stock has decreased by -13% in the last 30 days, reflecting a downward trend in search activity.

Time period: September 10, 2026 to October 10, 2026

Change:-13% versus previous 30 day period

X Financial Quarterly Profit & Loss

All numbers in Millions USD

	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Total Revenue	785	944	1,083	1,232	1,937	2,273	1,960	1,447	1,169	990
Gross Profit	418	488	516	535	1,458	1,759	1,334	949	686	570
Operating Income	384	448	473	490	561	665	361	19	139	194
EBITDA	384	448	473	490	561	665	1,223	51	111	102
Interest Expense	248	323	506	503	709	756	524	-	2	1
Depreciation	-	-	-	-	-	-	1	11	-	-
Income Before Tax	428	504	476	536	574	638	501	40	109	101
Income Tax Expense	65	89	100	150	116	110	80	-15	71	54
Net Income	363	415	375	385	458	528	421	56	37	46
Net Profit Margin	53.33%	51.76%	47.71%	43.46%	75.26%	77.39%	68.05%	65.57%	58.73%	57.63%

X Financial Annual Profit & Loss

All numbers in Millions USD

	Dec 2017	Dec 2018	Mar 2020	Mar 2021	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Revenue	1,003	2,170	1,278	-61	1,511	2,323	3,277	5,871	7,431
Gross Profit	653	1,516	968	-1,399	1,366	1,322	1,598	3,911	5,465
Operating Income	478	1,084	663	-1,601	1,190	1,219	1,468	1,873	1,592
EBITDA	483	1,094	675	-1,589	1,198	1,226	1,473	3,707	1,719
Interest Expense	-	-	-	-	-	833	1,370	1,582	-
Depreciation	5	9	11	11	8	6	5	7	11
Income Before Tax	478	1,084	663	-1,608	1,190	1,208	1,447	1,945	1,708
Income Tax Expense	138	209	-93	-299	368	396	261	405	283
Net Income	340	883	774	-1,308	825	811	1,186	1,539	1,424
Net Profit Margin	65.10%	69.88%	75.75%	2275.39%	90.41%	56.92%	48.76%	66.62%	73.55%

X Financial Quarterly Cash Flow

All numbers in Millions USD

	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Net Income	363	415	375	385	458	528	421	57	37	46
Operating Cash Flow	-	-	-	-	-	-	-	1,467	-	-
Investing Cash Flow	-	-	-	-	-	-	-	-1,066	-	-
Financing Cash Flow	-	-	-	-	-	-	-	79	-	-
Change in Cash	-	-	-	-	-	-	-	2,133	-	-

X Financial Annual Cash Flow

All numbers in Millions USD

	Dec 2017	Dec 2018	Mar 2020	Mar 2021	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Net Income	340	883	774	-1,308	825	811	1,186	1,539	1,464
Operating Cash Flow	-615	5	600	-679	449	322	814	1,523	1,467
Investing Cash Flow	-10	412	-3,079	-3,704	-2,347	-913	-1,106	122	-1,066
Financing Cash Flow	830	181	2,711	4,490	1,301	576	1,227	-1,935	79
Change in Cash	179	593	242	78	-606	14	937	-282	472

Global Institutional Holdings in X Financial

Check out the Institutions with significant holdings in X Financial.

Funds	Holdings
ActivePassive	0.14%
Avantis	0.01%

Insights on X Financial

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

POSITIVE IMPACT
Profit Spike
Netprofit is up for the last 2 quarters, 37.71M → 46.85M (in $), with an average increase of 19.5% per quarter
POSITIVE IMPACT
Price Rise
In the last 7 days, XYF stock has moved up by 4.3%
NO EFFECT
Against Peers
In the last 1 year, VISA Inc. has given 12.2% return, outperforming this stock by 73.0%
NO EFFECT
Against Peers
In the last 3 years, Capital One Financial has given 62.9% return, outperforming this stock by 22.2%
NEGATIVE IMPACT
Revenue Fall
Revenue is down for the last 5 quarters, 2.27B → 990.77M (in $), with an average decrease of 18.6% per quarter

About X Financial

Operating in the People's Republic of China, X Financial delivers personal financial solutions, primarily functioning as an online platform that connects individuals seeking funds with potential investors. The company's diverse lending portfolio encompasses the Xiaoying credit loan, which features the Xiaoying card loan component; the Xiaoying preferred loan, specifically tailored for small enterprise owners; and the Xiaoying revolving loan. Beyond these offerings, X Financial also provides the Xiaoying housing loan, a home equity product for property owners. Through its Xiaoying wealth management platform, clients can access various investment vehicles, including loans, money market instruments, and insurance products. Furthermore, the company extends loan facilitation support to other external platforms. X Financial was established in 2014 and maintains its corporate headquarters in Shenzhen, China.

Organisation	X Financial
Headquarters	Aerospace Science and Technology Plaza, Shenzhen, GD, 518067, CN
Industry	Financial - Credit Services
CEO	Yue Tang

Key Management of X Financial

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

FAQs

What is X Financial share price today?

X Financial share price today is $5.15 as on October 10, 2026 at 8:45 am IST at the close of the market. X Financial share today touched a day high of $5.18 and a low of $5.07.

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

X Financial share touched a 52 week high of $14.37 on October 10, 2025 and a 52 week low of $3.30 on March 27, 2026. X Financial stock price today i.e. October 10, 2026 at 8:45 am IST is closed at $5.15,which is 64.16% down from its 52 week high and 56.06% up from its 52 week low.

What is X Financial's market capitalisation today?

X Financial market capitalisation is $0.00T as on October 10, 2026 at 8:45 am IST.

How to invest in X Financial 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 on INDmoney app. Click on Buy button.

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

Indian investors can start investing in X Financial (XYF) shares with as little as ₹96.730003356934 or $1 (as of October 10, 2026 at 1:43 pm IST) using the INDmoney app.
For example: If you want to invest $10 or ₹967.30 in X Financial stock (as per the Rupee-Dollar exchange rate as on October 10, 2026 at 1:43 pm IST). Based on X Financial share’s latest price of $5.15 as on October 10, 2026 at 8:45 am IST, you will get 1.9417 shares of X Financial. Learn more about fractional shares .

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

X Financial stock has given 16.52% share price returns and 27.85% 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?