your badges 52W Range $3–$15 14% of range Analyst Rating SELL 8 analysts Price Target · P/E 0.8 ROE 19.8% Net Profit Margin 19.2%

XYF Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

03
Price $4.94
Market Cap $1.16B
P/E 0.8
EPS $5.87
Revenue $7.64B
Div Yield 13.4%
ROE 19.8%
Debt/Equity 0.1
52W Range $3–$15

XYF Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

04
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Stock splits 1
Ex-date Split Type
Nov. 19, 2020 1-for-3 Reverse

10-Year Performance Revenue, net income, margins and EPS trends

06
Revenue$7.64B
2016-12-31 → 2025-12-31
EPS$5.87
2016-12-31 → 2025-12-31
Free Cash Flow$1.45B
2018-12-31 → 2025-12-31
Net margin19.2%
2018-12-31 → 2025-12-31
Valuation & Ratios 07–12

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric 5Y trend XYF 5Y avg Peer Median Verdict
P/E 0.85Y avg ≈1.2 ≈1.2 · ·
P/S 0.25Y avg ≈0.3 ≈0.3 · ·
P/B 0.15Y avg ≈0.2 ≈0.2 · ·
EV / EBITDA 0.45Y avg ≈0.5 ≈0.5 · ·
Price / FCF 0.85Y avg ≈1.7 ≈1.7 · ·
Price / Cash Flow 0.85Y avg ≈1.7 ≈1.7 · ·
EV / Revenue 0.15Y avg ≈0.1 ≈0.1 · ·
EV / FCF 0.45Y avg ≈0.9 ≈0.9 · ·
Price / Tangible Book 0.15Y avg ≈0.2 ≈0.2 · ·

Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.

value · ≈ 5Y avg · industry median · verdict relative to median

Dividends Yield, payout ratio, dividend history, 5Y CAGR

13
Dividend Yield13.4%
Payout Ratio10.6%
Annualized Payout≈$0.28Paid annually
Growth Streak≈1Consecutive years of dividend growth
Ex-dateAmountCurrencyYield
Sep 10, 2026$0.28USD≈10.8%
Apr 30, 2026$0.28USD≈5.9%
Jun 20, 2025$0.25USD≈1.5%
Sep 4, 2024$0.17USD≈7.3%
May 9, 2024$0.17USD≈8.7%
Sep 18, 2023$0.17USD≈4.1%
Apr 4, 2019$0.30USD≈1.8%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

14
Avg Surprise -64.8%
Next Report Nov 12, 2026
PeriodReportEPS ActualEPS EstSurprise
March 31, 2020 $-0.42 $0.29 -246.7%
Dec. 31, 2019 $0.30 $0.34 -11.1%
Sept. 30, 2019 $0.45 $0.71 -36.3%
June 30, 2019 $0.93 $0.69 35.1%

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

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Income Statement 15
Metric Trend 202520242023202220212020201920182017
Revenue $7.64B$5.87B$4.81B$3.56B$3.63B$2.19B$3.09B$3.54B$1.79B
Cost of Revenue $2.02B$1.74B$1.54B$1.34B$1.96B$2.07B$1.63B$1.19B$760M
SG&A Expense $200M$176M$154M$143M$188M$179M$227M$220M$98M
Operating Expenses $6.01B$4.00B$3.35B$2.35B$2.32B$3.62B$2.28B$2.27B$1.29B
Operating Income $1.63B$1.87B$1.46B$1.21B$1.31B$-1.43B$813M$1.28B$502M
Interest Income $62.0K$10.4K·······
Other Non-op $132M$14M$24M$41M$33M$13M$26M$-6M$89.7K
Pretax Income $1.75B$1.89B$1.47B$1.22B$1.19B$-1.60B$664M$1.08B$479M
Income Tax $292M$406M$261M$396M$369M$-300M$-93M$-210M$138M
Net Income $1.46B$1.54B$1.19B$812M$825M$-1.31B$774M$883M$340M
EPS (Basic) $6.00$5.33$4.12$2.57$2.51$-4.07$2.47$3.08$1.30
EPS (Diluted) $5.87$5.25$4.08$2.52$2.45$-4.07$2.42$2.91$1.22
Shares (Basic) 243,975,946288,828,371288,115,969316,444,826329,230,273321,236,089313,757,887286,588,402261,219,657
Shares (Diluted) 249,489,203293,354,671290,833,214322,403,387336,881,082321,236,089319,747,392303,984,284279,710,804
EBITDA $1.64B$1.88B$1.44B$1.09B$1.32B$-1.42B$824M$1.28B·
Balance Sheet 23
Metric Trend 202520242023202220212020201920182017
Cash & Equivalents $988M$985M$1.20B$602M$585M$746M$1.01B$1.07B$671M
Short-term Investments ·····$6M···
Prepaid Expense $44M$34M$49M$71M$213M$404M$707M$115M$82M
Other Current Assets $8M$5M$16M$11M$7M$11M$45M$25M·
PP&E (Net) $24M$16M$9M$6M$6M$11M$20M$23M$21M
PP&E (Gross) $74M$61M$51M$50M$46M$48M$47M$40M$29M
Accum. Depreciation $50M$46M$42M$44M$40M$37M$27M$17M$8M
Intangibles $39M$37M$37M$37M$37M$37M$35M$28M$2M
Other Non-current Assets $53M$45M$55M$67M$31M$51M$69M$7M$4M
Total Assets $14.67B$11.82B$11.65B$8.84B$7.34B$7.50B$8.28B$4.64B$3.89B
Short-term Debt $410M$328M$565M$50M$166M$351M···
Deferred Tax $70M$66M$30M$721.7K··$1M$47M·
Other Non-current Liabilities $35M$28M$38M$51M$12M$28M$42M··
Total Liabilities $6.83B$4.87B$5.80B$4.08B$3.37B$4.42B$3.91B$1.12B$2.12B
Total Debt $410M$328M$565M$70M$166M$351M···
Common Stock $206.8K$206.8K$206.8K$206.8K$206.8K$202.9K$201.2K$189.6K$173.4K
Paid-in Capital $3.26B$3.21B$3.20B$3.19B$3.16B$3.07B$2.99B$2.82B$1.97B
Retained Earnings $5.48B$4.17B$2.69B$1.62B$811M$-15M$1.31B$640M$-243M
Treasury Stock $968M$510M$112M$125M·····
AOCI $64M$81M$69M$64M$6M$21M$67M$52M$33M
Stockholders' Equity $7.84B$6.95B$5.85B$4.75B$3.98B$3.07B$4.37B$3.52B$1.76B
Liabilities + Equity $14.67B$11.82B$11.65B$8.84B$7.34B$7.50B$8.28B$4.64B$3.89B
Shares Outstanding 234,517,901250,678,439293,553,607287,918,569329,117,943323,117,943320,667,943303,614,298280,087,342
Cash Flow 15
Metric Trend 202520242023202220212020201920182017
D&A $11M$7M$5M$7M$8M$12M$11M$10M$5M
Stock-based Comp $61M$40M$43M$54M$88M$80M$157M$172M$74M
Deferred Tax $-258M$-27M$-18M$202M$333M$-143M$-165M$-3M$-257M
Amort. of Intangibles $2M$2M$2M$2M$2M$2M$834.9K$389.8K$678.7K
Other Non-cash $189M$-37M$-391M$-745M$-806M$680M$-177M$-1.06B·
Operating Cash Flow $1.47B$1.52B$1.39B$627M$449M$-679M$601M$5M$-615M
CapEx $22M$14M$8M$6M$3M$5M$15M$39M$21M
Investing Cash Flow $-1.07B$122M$-1.68B$-1.22B$-2.35B$-3.70B$-3.08B$413M$-11M
Stock Repurchased $734M$182M$25M$147M$0····
Net Stock Activity $-734M$-182M$-25M$-147M·····
Dividends Paid $155M$117M$58M$0$0·$103M··
Financing Cash Flow $79M$-1.94B$1.23B$576M$1.30B$4.49B$2.71B$182M$830M
Net Change in Cash $472M$-283M$938M$15M$-606M$78M$243M$594M$179M
Taxes Paid $333M$289M$102M$37M$31M$108M$43M$302M$147.8K
Free Cash Flow $1.45B$1.51B$806M$317M$447M$-685M$585M$-33M·
Profitability 7
Metric Trend 202520242023202220212020201920182017
Operating Margin 21.3%31.9%29.9%30.4%36.1%-65.2%26.3%36.0%·
Net Margin 19.2%26.2%24.6%22.8%22.8%-59.7%25.1%24.9%·
Pretax Margin 22.9%32.3%29.1%34.3%32.8%-73.0%21.5%30.6%·
EBITDA Margin 21.5%32.0%30.0%30.6%36.4%-64.7%26.7%36.3%·
ROA 11.1%13.1%11.6%10.0%11.1%-16.6%12.0%20.7%·
ROE 19.8%24.1%22.4%18.6%23.4%-35.2%19.6%33.5%·
ROIC 16.5%20.2%18.4%15.3%21.8%-49.6%21.2%29.2%·
Liquidity & Solvency 1
Metric Trend 202520242023202220212020201920182017
Debt / Equity 0.10.00.10.00.00.1···
Efficiency 1
Metric Trend 202520242023202220212020201920182017
Asset Turnover 0.60.50.50.40.50.30.50.8·
Per Share 6
Metric Trend 202520242023202220212020201920182017
Book Value / Share $33.42$27.74$19.92$16.51$12.08$9.52$13.61$11.58·
Revenue / Share $30.62$20.02$16.56$11.05$10.76$6.83$9.66$11.65·
Cash Flow / Share $5.88$5.19$2.80$1.00$1.33$-2.11$1.88$0.02·
Cash / Share $4.21$3.93$4.07$2.09$1.78$2.31$3.14$3.52·
Dividend / Share $0.09$0.03$0.06······
EPS (TTM) $5.87$5.25$4.08$2.52$2.45$-4.07$2.42$2.91·
Valuation (TTM) 17
Metric Trend 202520242023202220212020201920182017
Revenue TTM $7.64B$5.87B$4.81B$3.56B$3.63B$2.19B$3.09B$3.54B·
Net Income TTM $1.46B$1.54B$1.19B$812M$825M$-1.31B$774M$883M·
Market Cap $1.31B$2.09B$1.07B$870M$991M$646M$1.63B$3.89B·
Enterprise Value $735M$1.43B$444M$337M$572M$244M···
P/E 1.01.60.91.21.2-0.52.14.4·
P/S 0.20.40.20.20.30.30.51.1·
P/B 0.20.30.20.20.20.20.41.1·
P / Tangible Book 0.20.30.20.20.30.2···
P / Cash Flow 0.91.41.32.72.2-1.02.7726.4·
P / FCF 0.91.41.32.72.2-0.92.8-116.9·
EV / EBITDA 0.40.80.30.30.4-0.2···
EV / FCF 0.50.90.61.11.3-0.4···
EV / Revenue 0.10.20.10.10.20.1···
Dividend Yield 11.8%5.6%5.4%0.00%0.00%·6.3%··
Earnings Yield 104.8%63.0%111.5%83.4%81.4%-203.5%47.7%22.7%·
Payout Ratio 10.6%7.6%4.9%···13.3%··
Annual Payout $155M$117M$58M$0$0·$103M··

Most recent period on the left · null values shown as ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

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Metric 2025-12-312024-12-312023-12-312022-12-312021-12-31
Revenue $7.64B $5.87B $4.81B $3.56B $3.63B
Operating Margin % 21.3% 31.9% 29.9% 30.4% 36.1%
Net Income $1.46B $1.54B $1.19B $812M $825M
Diluted EPS $5.87 $5.25 $4.08 $2.52 $2.45

Institutional owners (13F) 24 filers · $3.9M total · As of June 30, 2026

17

Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Holders 24
Value held $3.9M
New positions 4
Exited positions 10
Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
4 (-1 vs prior Q) 10 (-8 vs prior Q) 7 (+2 vs prior Q) 8 (-7 vs prior Q) -424K

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
TWO SIGMA INVESTMENTS, LP $923,385 190,782 23.62% Shares
Qube Research & Technologies Ltd $662,073 136,792 16.94% Shares
TWO SIGMA ADVISERS, LP $447,440 79,900 11.45% Shares
Trexquant Investment LP $413,230 85,378 10.57% Shares
CITADEL ADVISORS LLC $384,049 79,349 9.82% Shares
O'SHAUGHNESSY ASSET MANAGEMENT, LLC $302,892 62,581 7.75% Shares
UBS Group AG $233,278 48,198 5.97% Shares
JANE STREET GROUP, LLC $120,996 24,999 3.10% Shares
JPMORGAN CHASE & CO $114,443 22,843 2.93% Shares
STATE STREET CORP $104,757 21,644 2.68% Shares
SmartHarvest Portfolios, LLC $74,638 15,421 1.91% Shares
DGS Capital Management, LLC $42,560 10,330 1.09% Shares
Police & Firemen's Retirement System of New Jersey $36,997 7,644 0.95% Shares
MORGAN STANLEY $24,740 5,111 0.63% Shares
WealthCollab, LLC $11,757 2,429 0.30% Shares
ROYAL BANK OF CANADA $4,000 809 0.10% Shares
Tower Research Capital LLC (TRC) $3,480 719 0.09% Shares
CITIGROUP INC $1,834 379 0.05% Shares
RHUMBLINE ADVISERS $924 191 0.02% Shares
KELLEHER FINANCIAL ADVISORS $838 173 0.02% Shares
ACADIAN ASSET MANAGEMENT LLC $505 105,211 0.01% Shares
SBI Securities Co., Ltd. $411 85 0.01% Shares
GSA CAPITAL PARTNERS LLP $126 25,966 0.00% Shares
Smartleaf Asset Management LLC $10 2 0.00% Shares

Activists & 5%+ owners 1 position

18

Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.

Filer Filed Stake Status Purpose Filing
Mangrove Coast Investment Limited, Rhone Trustees (Bahamas) Ltd. as trustee of the Mangrove Coast Trust, Purple Mountain Holding Ltd., Yue (Justin) Tang ×6 filings March 31, 2026 49.01% Amendment Passive investment SEC

Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.

Company insiders 3 insiders · 0 officers · 3 directors

19
Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
Zheng Xue Director Aug. 1, 2026 C 499,998 0 0 $0
Longgen Zhang Director Aug. 1, 2026 C 499,998 0 0 $0
Zheng Wan Director June 15, 2026 S 0 0 2 $-942,300

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

XYF Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

21
rating · 8 analysts SELL
0 0.0% Strong Buy
0 0.0% Buy
3 37.5% Hold
4 50.0% Sell
1 12.5% Strong Sell

Peer comparison (GICS sub-industry) Key metrics vs sector peers

22

FY basis, prices as of each company's last fiscal year-end close.

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
XYF $1.31B 1.0 · 19.2% 19.8% ·
HTT · · · 1729.9% 6.2% ·
LX · 0.7 · 12.8% 14.8% 34.0%
YRD $646M 11.9 · 0.95% 0.58% ·
JFIN · 0.8 · 24.7% 40.6% ·

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26

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Source: SEC 20-F filed Apr 30, 2026