X Financial-adr share price logo

X Financial-adr Share Price

NYSE: XYF

Small Cap

$14.20

as on

X Financial-adr Stock Performance

as on September 13, 2025 at 1:29 am IST

  • Day's Low

    Day's High

    $14.01
    $14.5
    downward going graph

    1.34%

    Downside

    2.11%

    Upside

    downward going graph
  • 52 Week's Low

    52 Week's High

    $4.63
    $20.36
    downward going graph

    67.39%

    Downside

    43.35%

    Upside

    downward going graph

X Financial-adr share price movements today

Previous Close
$14.20
Open
$14.20
Volume
347.4K
Day's Low - High
$14.01 - $14.5
52 Week Low - High
$4.63 - $20.36

X Financial-adr Historical Returns

1 Month Return
-0.28 %
3 Month Return
-23.1 %
1 Year Return
+ 199.79 %
3 Year Return
+ 484.71 %
5 Year Return
+ 631.27 %

X Financial-adr Stock Fundamentals & Key Indicators

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

Market Cap

$578.5M

EPS (TTM)

0

Dividend Yield

3.47%

Quarterly Earnings Growth YOY

0.45%

PE Ratio (TTM)

2.63

Industry PE ratio

9.239262295081968

P/B Ratio

2.6252

PEG Ratio

0

EBITDA

5.2B

Revenue (TTM)

7.5B

Profit Margin

23.30%

Return On Equity TTM

24.31%

X Financial-adr Stock Valuation

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

X Financial-adr in the last 5 years

  • Overview

  • Trends

Lowest (0.48x)

March 31, 2025

Today (2.63x)

September 13, 2025

Industry (9.24x)

September 13, 2025

Highest (164.84x)

June 30, 2021

LowHigh

Today’s Price to Earnings Ratio: 2.63x

X Financial-adr vs Peer Comparison

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

Company
Analyst View
Market Cap
5 Years Return %PE RatioProfit Margin %
SELL$578.5M631.27%2.6323.30%
HOLD$143.1B215.76%621.560.00%
BUY$226.4B218.61%22.8315.99%
BUY$524.7B78.32%39.0644.93%
BUY$658.8B69.14%33.1252.16%

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

  • 1Y

  • 3Y

  • 5Y

X Financial-adr investment value today

Current value as on today

₹3,05,986

Returns

₹2,05,986

(+205.99%)

Returns from X Financial-adr Stock

₹2,00,847 (+200.85%)

Dollar Returns*

₹5,139 (+5.14%)

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

X Financial-adr Share Price Target

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

What analysts predicted

-735.29%DOWNSIDE

Target Price

$1.7

Current Price

$14.2

Analyzed by

8 Analysts

Target

$1.70

X Financial-adr target price $1.7, a slight downside of -735.29% compared to current price of $14.2. According to 8 analysts rating.

X Financial-adr Stock's Interest Amongst Investors

Search interest for X Financial-adr Stock has decreased by -21% in the last 30 days, reflecting a downward trend in search activity.

Time period: to

Change:-21% versus previous 30 day period

X Financial-adr Quarterly Profit & Loss

All numbers in Millions USD

Mar 2023
Jun 2023
Sep 2023
Dec 2023
Mar 2024
Jun 2024
Sep 2024
Dec 2024
Mar 2025
Jun 2025
Total Revenue
54
170
133
81
80
93
153
100
200
1,759
Gross Profit
54
69
133
12
12
-73
88
-
83
715
Operating Income
343
453
435
376
376
-931
40
-
572
665
EBITDA
577
446
421
674
674
-579
1,072
-
555
665
Interest Expense
271
332
-
248
248
323
506
503
709
756
Depreciation
-
-
-
-
-
-
-
-
-
-
Income Before Tax
330
443
417
426
426
504
476
490
574
665
Income Tax Expense
52
87
74
65
65
89
100
-
116
110
Net Income
41
51
47
50
50
57
53
52
63
528
Net Profit Margin
75.47%
30.01%
35.72%
62.76%
62.76%
61.48%
34.65%
52.95%
31.59%
30.01%

X Financial-adr 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
Total Revenue
-5
152
513
182
-9
237
220
674
806
Gross Profit
-43
36
335
-75
-363
-82
-69
240
537
Operating Income
-136
501
1,093
812
-1,608
1,194
1,194
1,509
1,873
EBITDA
-133
483
1,102
831
-1,596
1,309
1,075
1,509
3,707
Interest Expense
-
-
0
0
4,225
19,385
19,709
1,370
1,582
Depreciation
-
5
9
11
11
8
6
5
7
Income Before Tax
-147
478
1,084
663
-1,601
1,190
1,223
1,436
1,945
Income Tax Expense
-27
138
209
-93
-299
368
389
249
405
Net Income
-17
51
128
110
-200
129
116
166
211
Net Profit Margin
305.28%
33.91%
24.94%
60.56%
2127.65%
54.59%
52.82%
24.65%
26.23%

X Financial-adr Quarterly Cash Flow

All numbers in Millions USD

Jun 2023
Sep 2023
Dec 2023
Mar 2024
Jun 2024
Sep 2024
Dec 2024
Mar 2025
Jun 2025
Net Income
377
349
188
363
415
375
385
458
528
Operating Cash Flow
-
-
-
-
-
-
-
-
-
Investing Cash Flow
-
-
-
-
-
-
-
-
-
Financing Cash Flow
-
-
-
-
-
-
-
-
-
Change in Cash
251
22
-
-
-
-
-
-
-

X Financial-adr 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-adr

Funds
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%

Insights on X Financial-adr

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

  • imgPOSITIVE IMPACT

    Profit Spike

    img

    Netprofit is up for the last 4 quarters, 375.84M → 528.01M (in $), with an average increase of 10.5% per quarter

  • imgPOSITIVE IMPACT

    Revenue Rich

    img

    Revenue is up for the last 3 quarters, 728.32M → 1.75B (in $), with an average increase of 33.7% per quarter

  • imgPOSITIVE IMPACT

    Best in 3 Years

    img

    In the last 3 years, XYF has outperformed top 5 stocks with highest market-cap in its industry

  • imgPOSITIVE IMPACT

    Best in 1 Year

    img

    In the last 1 year, XYF has outperformed top 5 stocks with highest market-cap in its industry

  • imgNEGATIVE IMPACT

    Price Dip

    img

    In the last 3 months, XYF stock has moved down by -23.0%

About X Financial-adr

x financial provides personal finance services in the people's republic of china. the company offers services as an online marketplace connecting borrowers and investors. its loan product is xiaoying credit loan, which consists of xiaoying card loan catering to the credit card holders and xiaoying preferred loan to small business owners. the company also offers xiaoying housing loan, a home equity loan product for property owners; investment products through xiaoying wealth management platform, such as loans, money market, and insurance products; and loan facilitation services to other platforms. x financial was founded in 2014 and is headquartered in shenzhen, the people's republic of china.
OrganisationX Financial-adr
HeadquartersAerospace Science and Technology Plaza, Shenzhen, China, 518067
IndustryFinance
CEOMr. Yue Tang
E-voting on sharesClick here to vote

Key Management of X Financial-adr

Name

Title

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

Mr. Yue Tang

Founder, CEO & Chairman

FAQs

What is X Financial-adr share price today?

X Financial-adr share price today is $14.2 as on at the close of the market. X Financial-adr share today touched a day high of $14.5 and a low of $14.01.

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 on and a 52 week low of $4.63 on . X Financial-adr stock price today i.e. is closed at $14.2,which is 30.24% down from its 52 week high and 206.70% up from its 52 week low.

What is X Financial-adr's market capitalisation today?

X Financial-adr market capitalisation is $0.00T as on .

How to invest in X Financial-adr 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-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 0.1056 shares as per X Financial-adr share price of $14.2 per share as on September 13, 2025 at 1:29 am 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 ₹88.27 or $1 (as of ) using the INDmoney app.
For example: If you want to invest $10 or ₹882.70 in X Financial-adr stock (as per the Rupee-Dollar exchange rate as on ). Based on X Financial-adr share’s latest price of $14.2 as on September 13, 2025 at 1:29 am IST, you will get 0.7042 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 631.27% share price returns and 20.01% 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?