# X Financial share price today (X Financial, XYF)

> X Financial's share price, valuation and earnings point in different directions. The next one or two quarters should make it clearer. XYF · Financials · Credit Services · data as of 3 November 2026. Page: https://www.sectoralpha.in/us/stocks/xyf

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## Key numbers

- Business trend: Mixed, from fewer quarters than usual
- Price: $4.86 (−61.1% in a year)
- P/BV: 0.2×, against its own history
- Revenue (Jun 2026): ₹1.0 B (−56.3% on a year ago)
- Profit (Jun 2026): ₹0.0 B (−91.1% on a year ago)
- Net margin: 4.7% (−18.5 points on a year ago)
- ROE: 7%, FY25
- ROA: 14.16%, latest

Biggest thing to watch: the price is not yet in a clear uptrend, so timing is the risk more than the business. ## What is the X Financial share price today? X Financial's share price was $4.86 at the close on 3 November 2026. That is 2.0% below its average price over the last 200 trading days. In the last 52 weeks it traded between $4 and $12, and at that close it sat 14% of the way up from that low. Over the past 13 weeks it has done worse than the S&P 500, and it has been behind for 3 weeks running. Over the last 1 year the share price moved −75% while the S&P 500 moved +21%, so it is behind the index over that whole period. It was last ahead over 13 weeks in the week of 16 October 2026. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does X Financial pay? X Financial declared ₹1.90 per local share for Jun 2026, and ₹7.72 over the last four reported quarters. It reports in its home currency, and one US-listed share can stand for several local shares, so we do not set this against the dollar price or show a yield. ## Which stock lists is X Financial on? X Financial is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is X Financial profitable? X Financial earned ₹0.0 B of net profit in the Jun 2026 quarter, −91.1% on the same quarter a year earlier. Full-year FY25 profit was ₹1.5 B. Over 4 years profit has grown 15.4% a year on average. That is 4.7% of the quarter's revenue. The same quarter a year earlier earned ₹0.5 B. For the full year, FY25 profit was ₹1.5 B (−4.9% on the year before). Why profit moved: revenue changed −56.3% on a year earlier and the margin moved −18.5 percentage points. Sales did the work while the margin got thinner. On average over the last four quarters, profit changed −64.0% and revenue −21.4%. Profit is growing slower than sales: rising costs are taking part of the growth. This company reports in its home currency, not US dollars, so the money charts are left out here. The figures in the text are in that currency (₹); nothing is converted. ## How much revenue does X Financial make, and is it growing? X Financial reported ₹1.0 B of income in the Jun 2026 quarter, −56.3% on the same quarter a year earlier. Over 4 years it has grown 20.5% a year on average. The last full year, FY25, came in at ₹7.6 B. The last four reported quarters add to ₹5.6 B. FY25 revenue was ₹7.6 B, +30.1% on the year before. Recent pace: the last four quarters grew −21.4% on average, against 20.5% a year over the longer run, so this year is growing slower than its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew −25.4%, against +4.1% a year over the last 8 quarters (rolling over); profit over the last 12 months grew −67.8%, against −34.5% a year (rolling over). This company reports in its home currency, not US dollars, so the money charts are left out here. The figures in the text are in that currency (₹); nothing is converted. ## How much does X Financial keep from what it earns? X Financial's net margin was 4.7% in the Jun 2026 quarter, 18.5 percentage points lower than the same quarter a year ago. Across 5 years it has been between 19.2% and 26.2%. The latest quarter is below every full year in that period. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. ## How many of X Financial's loans have gone bad? X Financial does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is X Financial's loan book growing? X Financial's revenue was ₹7.6 B in FY25, +30.1% on the year before, so the loan book is growing. The latest quarter was −56.3% on a year earlier. The net margin on that income is 4.7%, −18.5 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. This company reports in its home currency, not US dollars, so the money charts are left out here. The figures in the text are in that currency (₹); nothing is converted. ## What is X Financial's P/BV ratio, and how does it compare with its own history? X Financial's P/BV is 0.2×, with too little history to compare. This compares the share price with the company’s own past. It does not say what the business is worth. Why the multiple is low: this lender earns about 7% a year on its equity. A lender that earns less on its net worth is valued lower for each rupee of it, and that gap usually closes only if returns improve. In short: there is too little history to say whether the multiple is high or low for this company, so the book value trend underneath matters more than the multiple. ## Is the X Financial business getting better or worse? X Financial's business is giving mixed signals. There is no clear direction across the growth lines, with ROE falling at 7.3%; each line tells part of the story. This is based on 12 quarters of 3 measures, with some gaps. Why it matters: when the lines disagree, each line above matters more than any single label. This reading has some gaps: at least one line is short, or the return line is not the quarterly series, so treat it with a little more caution. ## How much does X Financial earn on its equity and assets? X Financial earned a return on equity of 19% in FY25. Its lowest yearly reading on file was 17% in FY22. On its assets, every ₹100 earned about ₹14.16, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That is above the level a bank needs to grow its net worth steadily. Why ROE moved: profit grew 15.4% a year over 4 years while net worth grew more slowly. When earnings recover faster than net worth builds up, ROE climbs off its low. ## Does X Financial have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the X Financial shareholding pattern? We have no ownership or short-position figures for X Financial, so this section says so rather than fill the gap. At normal trading volumes, closing those positions would take about 1.3 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. ## How far is X Financial from balance-sheet trouble? For X Financial, the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does X Financial rank in its industry? There is no score against its industry: X Financial is not among the largest members shown in this industry comparison for Credit Services. The score ranks a company within its industry: each measure is scored against the other members. Without that group there is no score, so none is shown. ## Which companies is X Financial compared with? No sector comparison is shown here, not among the largest members shown in this industry comparison. ## Which companies are close to X Financial in size? X Financial is the 42nd largest of 42 Credit Services companies on Sector Alpha by market value (scores of 3 November 2026). Just above it: Regional Management Corp., CPI Card Group Inc., High Templar Tech, TROOPS, Inc., Medallion Financial Corp. and Consumer Portfolio Services, Inc. It is the smallest. ### Credit Services companies close in size

1. [Regional Management Corp.](https://www.sectoralpha.in/us/stocks/rm) $347 million
2. [CPI Card Group Inc.](https://www.sectoralpha.in/us/stocks/pmts) $286 million
3. [High Templar Tech Limited](https://www.sectoralpha.in/us/stocks/htt) $276 million
4. [TROOPS, Inc.](https://www.sectoralpha.in/us/stocks/troo) $249 million
5. [Medallion Financial Corp.](https://www.sectoralpha.in/us/stocks/mfin) $219 million
6. [Consumer Portfolio Services, Inc.](https://www.sectoralpha.in/us/stocks/cpss) $213 million
7. X Financial $187 million

[All 42 Credit Services companies, largest first](https://www.sectoralpha.in/us/sectors/credit-services#all-companies)

## What else do people ask about X Financial? ### What were X Financial's latest quarterly results? X Financial reported total income of ₹1.0 B and net profit of ₹0.0 B for the Jun 2026 quarter. Income fell 56.3% and profit fell 91.1% compared with a year earlier. The net margin was 4.7%, 18.5 percentage points lower than a year earlier (as of 3 November 2026). ### What is X Financial's market cap? X Financial's market capitalisation is $187 M at a stock price of $4.86. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 3 November 2026). ### Does X Financial pay a dividend? Yes, X Financial declared ₹1.90 per share for Jun 2026 (6 quarters on file, too few for a 12-month total) (as of 3 November 2026). ### How is X Financial performing? X Financial's latest readings are below. In its latest quarter, income fell 56.3% and profit fell 91.1% compared with a year earlier. Over the past 13 weeks it has done worse than the S&P 500, for 3 weeks running. This describes what the data did, not a rating (as of 3 November 2026). ### Will X Financial's stock price go up? This page does not forecast X Financial's stock price. What it shows instead: the stock price is $4.86. Nobody can reliably say which way a price will move, and this site does not try (as of 3 November 2026). ### Where is X Financial in its business cycle? X Financial's FY25 net margin was 19.2%, against a 5-year range of 19.2% to 26.2%: the low end of its own range, which is often where recoveries start. The latest quarter was 4.7%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 3 November 2026). ### What could break the X Financial story? Biggest thing to watch: the price is not yet in a clear uptrend, so timing is the risk more than the business. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 3 November 2026). ### Is X Financial a stock worth studying right now? What the numbers show: X Financial's share price, valuation and earnings point in different directions. The next one or two quarters should make it clearer. The main open question: the next one or two quarters of results. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 3 November 2026). This is research, not advice. We’re not SEBI-registered.