XYF
X Financial Class A
NYSE: XYF · FINANCIAL SERVICES · CREDIT SERVICES
$4.72
-4.45% today
Updated 2026-04-30
Market cap
$193.87M
P/E ratio
0.96
P/S ratio
0.03x
EPS (TTM)
$5.16
Dividend yield
11.30%
52W range
$3 – $20
Volume
0.2M
X Financial Class A (XYF) Financial statements
SEC filings — annual and quarterly data.
Profit margin
19.20%
Operating margin
43.90%
ROE
19.80%
ROA
22.80%
Debt/equity
0.07x
Margin trends — annual
Gross margin Operating margin Profit margin
| Year | Revenue | Net income | Gross margin | Op. margin | Profit margin |
|---|---|---|---|---|---|
| 2016 | $-39.17M | $-119.57M | 120.68% | 375.81% | 305.28% |
| 2017 | $1.00B | $340.28M | 65.10% | 47.69% | 33.91% |
| 2018 | $2.17B | $883.11M | 69.88% | 49.99% | 40.69% |
| 2019 | $1.28B | $774.28M | 75.75% | 51.93% | 60.56% |
| 2020 | $-61.50M | $-1.31B | 2,275.39% | 2,604.07% | 2,127.61% |
| 2021 | $1.51B | $825.41M | 90.41% | 78.76% | 54.59% |
| 2022 | $2.32B | $812.00M | 56.92% | 52.51% | 34.95% |
| 2023 | $3.28B | $1.19B | 48.76% | 44.81% | 36.21% |
| 2024 | $5.87B | $1.54B | 66.62% | 31.91% | 26.23% |
| 2025 | $7.43B | $1.42B | 73.55% | 21.43% | 19.17% |