X Financial (XYF)
Financials · NYQ
Price as at 1 Oct 2026, 04:04 UTC. Quotes are delayed.
Fundamentals
Valuation and ratings
X Financial trades at $5.15, which is 98% below the $10.21 our fair value estimate puts on the business. On that measure alone it screens as undervalued, though a valuation model is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 61 out of 100, which is a moat, but not a deep one. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 1.2 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
XYF dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | $0.560 | 2 |
| 2025 | $0.250 | 1 |
| 2024 | $0.340 | 2 |
| 2023 | $0.170 | 1 |
| 2019 | $0.300 | 1 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
About X Financial
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.
Company profile, industry and headcount are as reported by our data provider and can lag a company's own filings by a reporting period. The annual report is the authority.
XYF passes 6 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Super investor ownership
2 of the funds we track reported a position in their latest SEC 13F filing. Largest first:
- Two Sigma, TWO SIGMA INVESTMENTS, LP$923.4K · 0.0% of book
- Ken Griffin, CITADEL ADVISORS LLC$384.0K · 0.0% of book
A word of warning on reading these figures: a 13F reports the market value of a holding, so a fund that traded nothing at all still appears to have sold when the price fell. We found 102 companies where the standard reading gives the opposite answer. Only the share count is honest.
XYF peers
The largest companies in the same industry (Credit Services), then in the same sector.
- V Visa Inc.
- AFRM Affirm Holdings, Inc.
- OMF OneMain Holdings, Inc.
- BFH Bread Financial Holdings, Inc.
- UPST Upstart Holdings, Inc.
- EZPW EZCORP, Inc.
- AGM-A Federal Agricultural Mortgage Corporation
- QFIN Qfin Holdings, Inc.
Every financials company we cover is on the Financials hub.
Common questions
Is X Financial (XYF) undervalued?
Against our fair value estimate of $10.21, XYF at $5.15 is 98% below fair value. That is one model's answer, not a recommendation. It is built from normalized earning power with growth capped deliberately low, which understates companies whose value is mostly future growth.
Which funds own XYF?
2 of the institutions we track reported a position in XYF in their most recent SEC 13F filing. A 13F is filed up to 45 days after quarter end, so it tells you what a fund held then, not what it holds now.
What is XYF's P/E ratio?
XYF trades at 1.2 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does X Financial (XYF) pay a dividend?
Yes. X Financial yields 12.08% at the current share price. It has paid $0.560 per share over the trailing twelve months. It has paid a dividend in each of the last 3 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
Where does SteadyShares get its XYF data?
Fundamentals for XYF come from company filings and exchange data, as listed on NYQ; institutional ownership comes from SEC 13F filings. The share price shown was last refreshed on 1 Oct 2026, 04:04 UTC and is delayed. Our data quality score for this company is 100/100, which is the share of the inputs behind our scores that were actually available rather than assumed. Metrics we do not hold are left out of the page rather than estimated.
The full research page for XYF, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.