XYF - X Financial Class A logo

X Financial Class A

XYF

X Financial operates as an online personal finance platform in China, offering Xiaoying credit loans, unsecured and housing loans, along with guarantee and consulting services. It connects borrowers with institutional funds while focusing on risk management.

💲 Financial Services NYSE Listed 2018 ¥ CNY
$1,000 invested 5 years ago →$1,592today

Score Overview

1 Year
Score
Net Growth-60.54%
Net TrendShrank
Net Income Consistency—
Rev Growth-25.07%
Rev TrendShrank
Revenue Consistency—
5 Years
Score5.3
Net Growth-31.89%
Net Trend40%
Net Income Consistency—
Rev Growth268.29%
Rev Trend80%
Revenue Consistency—
All Time
Score
Net Growth-36.34%
Net Trend38%
Net Income Consistency
Rev Growth156.57%
Rev Trend63%
Revenue Consistency

Explore the 2021 public Archive ranking →

Where X Financial Class A has ranked, year by year

Measure
Fundamentals Window

Not enough ranking history to display a chart

This chart needs at least two years of available HDB Score rankings on 20 years of fundamentals. XYF does not have enough ranked years in the public Archive through 2021.

More recent Archive years are available with Membership. Coverage varies by company and measure.

Net Income x Stock Price

Historical Returns

Historical Returns
PeriodPriceReturn
Last Price2026-09-28
$ 5.13—
1 Year2025-09-26
$ 12.02-57.31%
5 Years2021-09-28
$ 3.2259.16%

Prices are split & dividend adjusted. All values are reported in USD.

Fundamental Data

Reported in CNY

Year
TTMÂ¥ 5.56BÂ¥ 562MÂ¥ 2.84B
2025Â¥ 7.43BÂ¥ 1.42BÂ¥ 987M
2024Â¥ 5.87BÂ¥ 1.53BÂ¥ 2.94B
2023Â¥ 3.27BÂ¥ 1.18BÂ¥ 2.89B
2022Â¥ 2.32BÂ¥ 811MÂ¥ 2.37B
2021Â¥ 1.51BÂ¥ 825MÂ¥ 2.16B
2020-Â¥ 61M-Â¥ 1.30BÂ¥ 1.66B
2019Â¥ 1.27BÂ¥ 774MÂ¥ 1.00B
IPO2018Â¥ 2.17BÂ¥ 883MÂ¥ 1.06B
XYF - X Financial Class A logo

X Financial Class A fundamental performance

Between 2020 and 2025, revenue went from -¥ 61M to ¥ 7.43B and net income went from -¥ 1.30B to ¥ 1.42B. Revenue increased in 4 of those 5 years; net income in 2.

X Financial Class A currently holds a 5-year HDB Score of 5.3 out of 10. How the HDB Score is calculated.

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