XYF
X Financial Class A
NYSE: XYF · FINANCIAL SERVICES · CREDIT SERVICES
$4.90
-4.46% today
Updated 2026-06-05
Market cap
$188.34M
P/E ratio
1.29
P/S ratio
0.02x
EPS (TTM)
$3.79
Dividend yield
11.50%
52W range
$3 – $19
Volume
0.2M
X Financial Class A (XYF) Earnings
Quarterly earnings history, analyst estimates, and stock price reaction.
EPS beat streak
1 of 8
Last 8 quarters
Avg EPS surprise
—
Last 4 quarters
Revenue YoY growth
-15.3%
Most recent quarter
EPS YoY growth
-97.5%
Most recent quarter
Quarterly EPS and revenue trend
Quarterly revenue EPS (diluted)
How the stock reacts to earnings
Avg 1-day reaction
-21.1%
Last 2 reports
Positive reaction rate
0%
0 of 2 quarters
Largest single-day move
-21.2%
2026-03-26
| Report date | EPS actual | Surprise | Close before | Close after | 1-day reaction |
|---|---|---|---|---|---|
| 2026-03-26 | $0.20 | — | $4.62 | $3.64 | -21.2% |
| 2025-11-20 | $1.41 | — | $9.71 | $7.68 | -20.9% |
Quarterly earnings history
| Fiscal quarter ending | EPS estimate | EPS actual | Surprise | Revenue | YoY revenue |
|---|---|---|---|---|---|
| 2025-12-31 | — | $0.20 | — | $1.45B | -15.3% |
| 2025-09-30 | — | $1.41 | — | $1.96B | +81.0% |
| 2025-06-30 | — | $12.00 | — | $1.76B | +86.4% |
| 2025-03-31 | $0.00 | $10.56 | — | $1.45B | +84.7% |
| 2024-12-31 | — | $8.04 | — | $1.71B | +195.3% |
| 2024-09-30 | — | $1.08 | — | $1.08B | +11.5% |
| 2024-06-30 | — | $1.15 | — | $944.06M | +9.3% |
| 2024-03-31 | — | $1.02 | — | $785.04M | — |
| 2023-12-31 | — | $0.53 | — | $578.58M | — |
| 2023-09-30 | — | $0.97 | — | $971.91M | — |
| 2023-06-30 | — | $1.07 | — | $864.08M | — |
| 2023-03-31 | — | $0.73 | — | — | — |
Frequently asked questions
Has X Financial Class A beaten earnings estimates?
X Financial Class A has beaten Wall Street EPS estimates in 1 of its last 8 quarterly reports. A consistent beat record suggests management guides conservatively and the business has predictable momentum, which tends to support the stock through earnings season.
How does XYF stock react to earnings?
XYF has moved an average of -21.1% the day after earnings over its last 2 reports, finishing higher after 0 of them. Next-day moves show how the market digests results in the short term, and repeated dips on strong reports usually mean expectations were already priced in.
What is X Financial Class A's revenue growth rate?
X Financial Class A reported year-over-year revenue growth of -15.3% in its most recent quarter, with EPS up -97.5%. Reading revenue growth alongside margins shows whether that growth is translating into profit.