XYF

NYSE X Financial Sponsored ADR Class A
Oct 3, 2026 · 12:36 PM ET EOD Market Closed

$4.94 ↑ +0.00 (+0.00%) Trading Up from the previous close of $4.94, $0.23 below the day’s high of $5.17

YTD change
-11.79%
vs 20-day SMA
-4.84%
vs 200-day SMA
-3.09%

Price ranges

Previous day
$4.94 $5.17
open $5.13 close $4.94
-$0.19 (-3.70%)
Today
$4.94 $5.17
$4.94
Past week
$5.08 $5.44
from $5.22 now $4.94
-$0.28 (-5.36%)
Past month
$4.74 $5.62
from $5.53 now $4.94
-$0.59 (-10.67%)
This year
$3.30 $6.74
from $5.60 now $4.94
-$0.66 (-11.79%)

Price & Performance

+0.62 (+14.35%) / 6M

$4.17$4.72$5.26$5.81Apr 6Jul 6Oct 2

Signals & Sentiment

Momentum, market sentiment, and recent alerts

Poor
  • The stock is 91.9% away from all-time highs of $60.90
  • XYF is down 12% since the beginning of the year
  • XYF is down 66% over the past 12 months
  • XYF is down 11% over the past 1 month
  • 1% of all XYF investors are betting against XYF

XYF reads poor: price sits below both the 20- and 200-day averages, the 12-month move is -65.4%.

Financial Strength

Earnings, valuation, and balance sheet

Earnings

Profitable Yes
EPS $0.182
Earnings momentum N/A Quarterly EPS growth
Quarterly change N/A

Valuation

P/E ratio 14.03
Enterprise value $-166316000.0
Beta 0.49

Balance sheet & scale

Income$80.3K
Revenue$799.2M
Cash$418.9M
Debt$58.4K
Income / Debt 1.38×

Company & Peers

Company profile and competitor comparison

Company profile

ExchangeNYSE
Sector Finance and Insurance
Sub Sector Credit Intermediation and Related Activities
Market cap $191.0M

X Financial operates as an online personal finance company that develops and provides a technology platform for personal finance services. It is committed to connecting borrowers on its platform with its institutional funding partners. The company was founded by Yue Tang and Baoguo Zhu on January 5, 2015 and is headquartered in Shenzhen, China.

Competitor comparison

TickerCompany PriceChange
ALLY Ally Financial Inc $37.91 +0.69%
ELEEF Element Fleet Management Corporation $15.79 +0.89%
CACC Credit Acceptance Corporation $527.50 +3.04%
CPSS Consumer Portfolio Services, Inc. $9.09 -2.57%
VRM Vroom, Inc. $9.03 -3.32%

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Prices and alerts are delayed by at least 20 minutes. Chart history reflects daily closing prices. Information is provided for research purposes only and is not investment advice.