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X Financial (XYF)

X Financial at a glance — key fundamentals, SEC filings, insider buying and selling, and earnings dates.

X Financial (XYF) is a Financial - Credit Services company based in CN with a market capitalization of $33M. Revenue grew 26.6% year-over-year and the company generated $213.5M in free cash flow. This page tracks XYF's SEC filings, insider buying and selling, earnings dates, and key fundamentals in one place.

CN · 563 employees · IPO Sep 19, 2018

Valuation

Valuation & price

$4.71 · as of May 17, 2026 · -76.5% vs 52w high

0.0

P/E ratio

Latest-FY diluted EPS

0.00

P/B ratio

Market cap ÷ book equity

—

Dividend yield

Price — last 12 months

$19.23$11.44$3.64Jul 25Dec 25Jul 26Jul 7, 25$18.77Jul 9, 25$19.23Jul 11, 25$19.16Jul 15, 25$18.57Jul 17, 25$18.19Jul 21, 25$18.42Jul 23, 25$17.47Jul 25, 25$14.37Jul 29, 25$14.60Jul 31, 25$14.39Aug 4, 25$13.77Aug 6, 25$14.23Aug 11, 25$13.67Aug 13, 25$14.19Aug 15, 25$13.48Aug 19, 25$12.32Aug 21, 25$14.79Aug 25, 25$15.66Aug 27, 25$14.98Aug 29, 25$15.20Sep 3, 25$15.75Sep 5, 25$14.44Sep 9, 25$13.84Sep 11, 25$14.20Sep 16, 25$14.01Sep 18, 25$14.82Sep 22, 25$14.73Sep 24, 25$13.92Sep 26, 25$13.42Sep 30, 25$13.76Oct 2, 25$14.42Oct 6, 25$14.51Oct 8, 25$14.62Oct 10, 25$13.13Oct 14, 25$13.77Oct 16, 25$13.26Oct 21, 25$12.66Oct 23, 25$12.67Oct 27, 25$12.78Oct 29, 25$11.98Oct 31, 25$12.49Nov 4, 25$12.20Nov 6, 25$12.05Nov 10, 25$12.32Nov 12, 25$11.99Nov 14, 25$11.62Nov 18, 25$11.09Nov 20, 25$9.11Nov 25, 25$7.38Nov 28, 25$6.88Dec 2, 25$6.67Dec 4, 25$7.33Dec 8, 25$6.67Dec 10, 25$6.76Dec 12, 25$7.12Dec 16, 25$6.63Dec 18, 25$6.55Dec 22, 25$6.11Dec 24, 25$5.90Dec 29, 25$5.74Jan 2, 26$5.78Jan 6, 26$6.05Jan 8, 26$6.01Jan 12, 26$6.39Jan 14, 26$6.11Jan 16, 26$6.11Jan 21, 26$5.79Jan 23, 26$5.99Jan 27, 26$5.85Jan 29, 26$5.21Feb 2, 26$5.25Feb 4, 26$5.21Feb 9, 26$5.33Feb 11, 26$5.23Feb 13, 26$5.16Feb 18, 26$5.16Feb 20, 26$4.96Feb 24, 26$5.11Feb 26, 26$5.02Mar 2, 26$4.99Mar 4, 26$4.82Mar 6, 26$4.97Mar 10, 26$4.93Mar 12, 26$4.70Mar 17, 26$5.04Mar 19, 26$4.43Mar 23, 26$4.63Mar 25, 26$4.62Mar 27, 26$3.64Mar 31, 26$4.12Apr 2, 26$4.22Apr 7, 26$4.28Apr 9, 26$4.38Apr 13, 26$4.55Apr 15, 26$4.58Apr 17, 26$4.73Apr 22, 26$5.05Apr 24, 26$5.02Apr 28, 26$4.92Apr 30, 26$4.72May 4, 26$5.00May 6, 26$5.00May 8, 26$5.00May 12, 26$4.80May 14, 26$4.76May 18, 26$4.62May 20, 26$4.75May 22, 26$4.57May 28, 26$4.73Jun 1, 26$4.91Jun 3, 26$4.83Jun 5, 26$4.71Jun 9, 26$4.89Jun 11, 26$5.08Jun 15, 26$5.10Jun 17, 26$4.70Jun 22, 26$4.75Jun 24, 26$4.83Jun 26, 26$4.95Jul 2, 26$4.95
$3.4152-week range$20.05
Loading valuation history…

Fundamentals

Key fundamentals

$33M

Market cap

26.6%

Revenue growth (YoY)

73.5%

Gross margin

$213.5M

Free cash flow (USD)

-$3B

Net debt

Net cash position

-85.9%

Share dilution

4/4

Graham criteria passed

Defensive-investor screen

Financial Services

Sector

Trajectory

Long-term trends

Revenue by year

2016 → 2025

FY 2016$-39.2MFY 2017$1.0BFY 2018$2.2BFY 2019$1.3BFY 2020$-61.5MFY 2021$1.5BFY 2022$2.3BFY 2023$3.3BFY 2024$5.9BFY 2025$7.4B
-$39.2M$7.4B

Free cash flow by year

2016 → 2025

FY 2016$79.1MFY 2017$-636.0MFY 2018$-33.3MFY 2019$205.4MFY 2020$-684.6MFY 2021$446.6MFY 2022$316.6MFY 2023$805.7MFY 2024$1.5BFY 2025$1.4B
$79.1M$1.4B

Gross margin by year

2021 → 2025

FY 202190.4%FY 202256.9%FY 202348.8%FY 202466.6%FY 202573.5%
90.4%73.5%

Value screen

Graham defensive-investor tests

Computing the scorecard — refreshing any stale inputs…

0

Insider buys · 90 days

1

Insider sells · 90 days

Earnings

Last report: 6-K filed May 27, 2026

Next expected: not yet scheduled

On the tape

Recent SEC & insider activity

  • Insider sellInsider Sell $942KWan Zheng · Director · $942.3KJun 24, 2026Filing
  • 6-K filingLeadership ChangeJun 17, 2026Filing
  • Quarterly reportQuarterly Report FiledMay 27, 2026Filing
  • Annual report20-F FiledApr 30, 2026Filing

Questions

Frequently asked questions

What is X Financial's market cap?

X Financial (XYF) has a market capitalization of $33M.

What is XYF's P/E ratio?

XYF trades at a price-to-earnings ratio of 0.0, based on its latest fiscal-year diluted earnings per share and the most recent cached price.

What is XYF's price-to-book (P/B) ratio?

XYF trades at 0.00 times book value per share.

Are insiders buying XYF stock?

SEC Form 4 filings show no open-market insider buys at X Financial in the last 90 days (1 sell).

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Timeline

Every filing, insider trade & earnings on a price-anchored timeline

Filing Analyzer

Search the actual 10-K / 10-Q text with AI research angles

News

Latest press coverage in one feed

Data: SEC EDGAR filings and cached fundamental data; prices and ratios use the most recent cached quote and statements (may lag by up to a day). Educational and research purposes only. Not investment advice.