XYF
X Financial
NYSEUSDEQUITY
Financial Services
DELAYED
Neutral
-16/100
Last price
5.08
▲ 0.13 (2.63%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
—
Prev close
4.95
Day high
5.15
Day low
4.98
Volume
83.98K
Market cap
$187.62M
P/E (TTM)
2.43
52W range
3.30 – 14.65
Trailing performance
Returnvs SPY
1W
-1.74%
-3.7%
1M
-8.14%
-9.3%
3M
+4.96%
+0.4%
6M
+18.69%
+0.5%
YTD
-9.29%
-23.5%
1Y
-64.45%
-80.9%
3Y
+24.21%
-58.0%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on XYF open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+90.00K
Net buying
Buy transactions
3
270.00K shares
Sell transactions
1
180.00K shares
Net transactions
+4
Buys less sells
Sell : buy shares
0.7 : 1
Mixed
Insider-held shares
6.25M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Jul 31, 26 | ZHANG LONGGEN Director |
— | 90.00K | — | Direct |
| Jul 31, 26 | XUE ZHENG Director |
— | 90.00K | — | Direct |
| Jun 15, 26 | WAN ZHENG Director |
SELL | 180.00K | $942.30K | Direct |
| Jun 1, 26 | WAN ZHENG Director |
— | 90.00K | — | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
WAN ZHENG |
Director | 0 | Sale |
XUE ZHENG |
Director | 500.00K | Conversion of Exercise of derivative security |
ZHANG LONGGEN |
Director | 500.00K | Conversion of Exercise of derivative security |
Fundamentals
Market cap$187.62M
Enterprise value$-515.90M
Revenue (TTM)$5.60B
Gross profit$3.37B
EBITDA$2.94B
Net income$563.34M
EPS (TTM)$2.09
Free cash flow—
Total cash$1.13B
Total debt$425.11M
Book value / share$29.53
Shares outstanding20.67M
Float13.87M
Short % of float0.50%
Dividend yield11.02%
Beta (5Y)0.43
Valuation & profitability ratios
Trailing P/E2.43
Forward P/E13.73
PEG ratio—
Price / sales—
Price / book0.17
EV / revenue-0.09
EV / EBITDA-0.18
Gross margin60.11%
Operating margin49.93%
Profit margin10.06%
Return on equity7.28%
Return on assets14.16%
Debt / equity5.48
Current ratio4.40
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $7.64B | $5.87B | $4.81B | $3.56B | +30.1% |
| Operating revenue | $6.95B | $5.44B | $4.50B | $3.38B | +27.9% |
| Cost of revenue | $2.04B | $1.76B | $1.57B | $1.34B | +15.8% |
| Gross profit | $5.60B | $4.11B | $3.24B | $2.23B | +36.2% |
| Selling, general & admin | $2.40B | $1.76B | $1.52B | $976.34M | +36.6% |
| Total operating expense | $3.99B | $2.26B | $1.83B | $1.14B | +76.3% |
| Operating income | $1.61B | $1.85B | $1.41B | $1.08B | -12.7% |
| Net interest income | $29.51M | $22.33M | $10.30M | $3.76M | +32.2% |
| Pre-tax income | $1.75B | $1.89B | $1.47B | $1.22B | -7.6% |
| Tax provision | $291.65M | $405.70M | $261.13M | $396.07M | -28.1% |
| Net income | $1.46B | $1.54B | $1.19B | $812.00M | -4.9% |
| Net income to common | $1.46B | $1.54B | $1.19B | $812.00M | -4.9% |
| Basic EPS | 36.00 | 31.98 | 24.72 | 15.42 | +12.6% |
| Diluted EPS | 35.22 | 31.50 | 24.48 | 15.12 | +11.8% |
| EBIT | $1.61B | $1.85B | $1.41B | $1.08B | -12.7% |
| EBITDA | $1.63B | $1.86B | $1.41B | $1.09B | -12.5% |
| Basic shares | 40.66M | 48.14M | 48.02M | 52.74M | -15.5% |
| Diluted shares | 41.58M | 48.89M | 48.47M | 53.73M | -15.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $987.63M | $984.61M | $1.20B | $602.27M | +0.3% |
| Cash & short-term investments | $987.63M | $984.61M | $1.20B | $602.27M | +0.3% |
| Accounts receivable | $3.15B | $2.03B | $1.66B | $1.16B | +55.0% |
| Total current assets | $12.34B | $10.51B | $10.31B | $7.95B | +17.3% |
| Property, plant & equipment | $23.90M | $15.83M | $8.64M | $5.86M | +50.9% |
| Goodwill & intangibles | $39.18M | $36.59M | $36.81M | $36.55M | +7.1% |
| Total assets | $14.67B | $11.82B | $11.65B | $8.84B | +24.1% |
| Total current liabilities | $5.95B | $4.57B | $5.66B | $3.91B | +30.1% |
| Current debt | $409.53M | $328.50M | $565.00M | $70.21M | +24.7% |
| Long-term debt | $748.31M | $187.64M | $61.91M | — | +298.8% |
| Total debt | $1.17B | $528.87M | $639.76M | $81.51M | +121.0% |
| Total liabilities | $6.83B | $4.87B | $5.80B | $4.08B | +40.3% |
| Retained earnings | $5.48B | $4.17B | $2.69B | $1.62B | +31.4% |
| Shareholder equity | $7.84B | $6.95B | $5.85B | $4.75B | +12.7% |
| Working capital | $6.39B | $5.94B | $4.65B | $4.04B | +7.5% |
| Net tangible assets | $7.80B | $6.92B | $5.81B | $4.72B | +12.7% |
| Shares issued | 329.12M | 329.12M | 329.12M | 329.12M | 0.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $1.46B | $1.54B | $1.19B | $812.00M | -4.9% |
| Depreciation & amortisation | $11.16M | $7.20M | $5.26M | $6.65M | +55.0% |
| Stock-based compensation | $60.97M | $40.18M | $42.60M | $53.54M | +51.7% |
| Change in working capital | -$288.36M | -$271.31M | -$138.23M | -$528.04M | -6.3% |
| Operating cash flow | $1.47B | $1.52B | $1.39B | $626.78M | -3.7% |
| Capital expenditure | -$21.88M | -$14.22M | -$8.47M | -$6.06M | -53.8% |
| Investing cash flow | -$1.07B | $122.03M | -$1.68B | -$1.22B | -973.8% |
| Share buybacks | -$733.98M | -$182.20M | -$166.16M | -$566.97M | -302.8% |
| Dividends paid | -$154.77M | -$116.64M | -$58.40M | $0 | -32.7% |
| Financing cash flow | $79.24M | -$1.94B | $1.23B | $576.35M | +104.1% |
| Free cash flow | $1.45B | $1.51B | $1.38B | $620.73M | -4.2% |
| End cash position | $2.13B | $1.66B | $1.94B | $1.01B | +28.4% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $993.58M | $1.18B | $1.47B | $1.96B | $2.27B | -15.5% |
| Operating revenue | $860.75M | $1.06B | $1.35B | $1.80B | $2.06B | -19.0% |
| Cost of revenue | $422.54M | $487.43M | $524.23M | $527.47M | $518.92M | -13.3% |
| Gross profit | $571.04M | $688.71M | $943.61M | $1.43B | $1.75B | -17.1% |
| Selling, general & admin | $195.77M | $266.88M | $258.32M | $577.06M | $805.80M | -26.6% |
| Total operating expense | $378.85M | $549.78M | $927.58M | $1.07B | $1.09B | -31.1% |
| Operating income | $192.19M | $138.93M | $16.03M | $365.59M | $660.54M | +38.3% |
| Net interest income | $16.49M | $7.31M | $23.30M | $4.95M | $8.93M | +125.5% |
| Pre-tax income | $219.97M | $136.84M | $31.25M | $496.80M | $665.98M | +60.7% |
| Tax provision | $54.55M | $72.20M | -$15.85M | $80.18M | $110.80M | -24.5% |
| Net income | $46.98M | $37.95M | $57.17M | $421.24M | $528.02M | +23.8% |
| Net income to common | $46.98M | $37.95M | $57.17M | $421.24M | $528.02M | +23.8% |
| Basic EPS | 1.26 | 0.96 | 1.44 | 10.56 | 12.60 | +31.3% |
| Diluted EPS | 1.26 | 0.96 | 1.44 | 10.08 | 12.00 | +31.3% |
| EBIT | $192.19M | $138.93M | $16.03M | $365.59M | $660.54M | +38.3% |
| EBITDA | $192.19M | $138.93M | $16.03M | $365.59M | $660.54M | +38.3% |
| Basic shares | 37.54M | 39.02M | 38.92M | 39.80M | 41.93M | -3.8% |
| Diluted shares | 37.93M | 39.42M | 39.71M | 41.88M | 43.99M | -3.8% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $1.13B | $1.02B | $987.63M | $890.85M | $1.15B | +10.8% |
| Cash & short-term investments | $1.13B | $1.02B | $987.63M | $890.85M | $1.15B | +10.8% |
| Accounts receivable | $1.38B | $2.50B | $3.15B | $3.07B | $3.16B | -44.9% |
| Total current assets | $8.39B | $10.63B | $12.34B | $12.42B | $12.39B | -21.1% |
| Property, plant & equipment | $24.50M | $26.43M | $23.90M | $20.82M | $18.53M | -7.3% |
| Goodwill & intangibles | $38.23M | $38.84M | $39.18M | $37.81M | $37.15M | -1.6% |
| Total assets | $12.10B | $13.61B | $14.67B | $14.69B | $13.69B | -11.1% |
| Total current liabilities | $3.87B | $5.11B | $5.95B | $6.08B | $5.57B | -24.2% |
| Current debt | $396.21M | $353.87M | $409.53M | $566.38M | $401.50M | +12.0% |
| Long-term debt | — | — | $748.31M | — | — | — |
| Total debt | $396.21M | $353.87M | $1.17B | $566.38M | $401.50M | +12.0% |
| Total liabilities | $4.35B | $5.84B | $6.83B | $6.76B | $5.97B | -25.5% |
| Retained earnings | $5.50B | $5.45B | $5.48B | $5.51B | $5.08B | +0.9% |
| Shareholder equity | $7.76B | $7.77B | $7.84B | $7.93B | $7.72B | -0.2% |
| Working capital | $4.52B | $5.53B | $6.39B | $6.33B | $6.82B | -18.2% |
| Net tangible assets | $7.72B | $7.73B | $7.80B | $7.89B | $7.68B | -0.2% |
| Shares issued | 221.60M | 325.70M | 329.12M | 312.86M | 323.74M | -32.0% |
No filings published for this symbol yet.
Newly listed companies often have nothing on file until their first annual report.
Newly listed companies often have nothing on file until their first annual report.
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $0 | — |
| Next quarter | — | — | $0 | — |
| Current year | — | — | $0 | — |
| Next year | — | — | $0 | — |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders16.66%
Held by institutions4.03%
Institutions holding30
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
5.13
-0.88% from price
SMA 20
5.11
-0.64% from price
SMA 50
5.25
-3.19% from price
SMA 100
5.03
+0.97% from price
SMA 200
5.07
+0.13% from price
EMA 12
5.10
-0.38% from price
EMA 26
5.16
-1.51% from price
EMA 50
5.16
-1.49% from price
RSI (14)
46.7
Neutral
MACD (12,26,9)
-0.06
Hist -0.01
ATR (14)
0.25
4.88% of price
Realised vol 30D
39.9%
Annualised
Bollinger upper
5.44
20, 2σ
Bollinger lower
4.79
20, 2σ
50 / 200 cross
Golden
5.25 vs 5.07
Trend bias
Above 200
+0.13%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
1.23
More volatile than market
Correlation to SPY
0.28
Largely independent
Realised vol 30D
39.9%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-76.7%
Peak to trough
Max drawdown 5Y
-83.0%
Peak to trough
ATR 14
0.25
4.88% of price
Beta (reported)
0.43
5Y monthly, from filing
Short interest
Shares short
84.60K
Prior 121.43K
Change vs prior
-30.3%
Shorts covering
% of float
0.50%
Normal
% of shares out
0.23%
Against total outstanding
Days to cover
1.1
Liquid
Float
13.87M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Dividends & splits
Forward rate$0.56 / yr
Forward yield11.02%
5-year avg yield—
Payout ratio27.26%
Ex-dividend dateSep 10, 2026
Next pay dateSep 28, 2026
Last split1:3
Split dateNov 19, 2020
SEC filings
Corporate Changes & Voting Matters
6-K · 2026-08-24
Corporate Changes & Voting Matters
6-K · 2026-06-17
Corporate Changes & Voting Matters
6-K · 2026-05-27
Periodic Financial Reports
20-F · 2026-04-30
Corporate Changes & Voting Matters
6-K · 2026-03-25
Corporate Changes & Voting Matters
6-K · 2025-11-20
Corporate Changes & Voting Matters
6-K · 2025-11-18
Corporate Changes & Voting Matters
6-K · 2025-09-26
Headlines
X Financial (XYF) Saw its Active-Borrower Count Fall 74.8% Year Over Year. Can Better Credit Metrics Stabilize the Business?
Insider Monkey · 41d ago
X Financial (XYF) Q2 2026 Earnings Call Transcript
Motley Fool · 43d ago
X Financial (XYF) (Q2 2026) Earnings Call Highlights: Revenue Declines 56% Amid Strategic ...
GuruFocus.com · 43d ago
X Financial Q2 Earnings Call Highlights
MarketBeat · 44d ago
X Financial Reports Second Quarter 2026 Unaudited Financial Results
PR Newswire · 44d ago
X Financial to Report Second Quarter 2026 Financial Results on August 24, 2026
PR Newswire · 50d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.