profit from every $100 of sales.
$0$100
X Financial
$5.52+0.36% today
-53.3% in 1 year
1-year low $3.411-year high $11.83
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
It has no yearly profit to compare the price with.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What X Financial sold, what it kept, and what it did with the cash.
Sales went from CN¥3.56 billion in 2022 to CN¥7.64 billion in 2025, with CN¥1.46 billion of profit last year.
SalesProfit
X Financial handed back 61% of the cash it generated last year.
Buybacks CN¥734M
Free cash flow 2025CN¥1.4B
Bought back its own sharesCN¥734M
Paid as dividendsCN¥155M
Cash vs. debtCN¥988M vs. CN¥1.2B
X Financial vs. similar companies
How it compares with the largest companies in its industry.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| X Financial | No profit yet | ||
 Visa | 33.8× · Expensive | ||
 Mastercard | 38.5× · Expensive | ||
 American Express | 19.8× · Fair price | ||
 Capital One Financial | 47.8× · Expensive |
AI analysis
An AI analyst reads X Financial's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of CNY | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 3,563 | 4,815 | 5,872 | 7,639 | |
| 2,226 | 3,240 | 4,111 | 5,600 | |
| 1,082 | 1,407 | 1,850 | 1,615 | |
| 1,089 | 1,412 | 1,857 | 1,626 | |
| 812 | 1,187 | 1,540 | 1,465 | |
| 15.12 | 24.48 | 31.50 | 35.22 | |
| 62.5% | 67.3% | 70.0% | 73.3% | |
| 30.4% | 29.2% | 31.5% | 21.1% | |
| 22.8% | 24.6% | 26.2% | 19.2% |
Balance sheet
| In millions of CNY | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 8,838 | 11,650 | 11,819 | 14,666 |
| Cash | 602 | 1,195 | 985 | 988 |
| Total debt | 82 | 640 | 529 | 1,169 |
| Total liabilities | 4,084 | 5,803 | 4,866 | 6,829 |
| 4,753 | 5,847 | 6,953 | 7,837 | |
| 54 | 48 | 49 | 42 | |
| 17.7% | 17.1% | 19.5% | 14.2% | |
| 17.1% | 20.3% | 22.1% | 18.7% |
Cash flow
| In millions of CNY | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 627 | 1,391 | 1,523 | 1,468 | |
| 6 | 8 | 14 | 22 | |
| 621 | 1,383 | 1,509 | 1,446 | |
| Dividends paid | 0 | 58 | 117 | 155 |
| 567 | 166 | 182 | 734 | |
| 54 | 43 | 40 | 61 |
Valuation
- –
- 0.3×
- –
- 0.2×
- –
- –
- –
- –
- –
- 11.2%
Profitability
- 73.3%
- 21.1%
- 19.2%
- 37.6%
- 14.5%
- 17.6%
- 18.9%
- 10.0%
- 11.2%
- –
Growth
- +28.9%
- +32.6%
- −4.2%
- –
- −8.2%
Financial health
- 0.1×
- 0.15
- 2.8%
- 0.8×
- 2.07
- 15.93
- 0.45
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 14%of 850
Bottom 46%of 733
Top 16%of 861
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Mar 26, 2026 | 0.22 | 0.28 | −22.8% |
| Nov 20, 2025 | 1.47 | – | – |
| Aug 18, 2025 | 1.88 | – | – |
| May 19, 2025 | 1.48 | – | – |
| Mar 19, 2025 | 1.16 | – | – |
| Nov 26, 2024 | 1.27 | – | – |
| Aug 21, 2024 | 1.03 | – | – |
| May 30, 2024 | 0.91 | – | – |
11.2%of the share price, paid each year
On $1,000 invested$112a year at today's yield, before tax
–per share
Raised2 yearsin a row, in our data
Paid per share, each year
$0.26 in 2019 → $0.53 in 2025
How safe it looks
10.6% of its profit
Room to growStretchedMore than it earns: 10.7%
News
ArrowMark Financial declares $0.15 dividendSeeking Alpha · Nov 14, 2026Sagicor Financial declares $0.075 dividendSeeking Alpha · Nov 14, 2026‘She has a history of financial mismanagement’: My brother cut our sister out of his will. I’ll get everything. Do I tell her?MarketWatch · Nov 13, 2026Sumitomo Mitsui Financial GAAP EPS of ¥232.59, total operating income of ¥1.43BSeeking Alpha · Nov 13, 2026Huang's exit, AI bubble and financial crisis fears in focus on Web Summit's last dayYahoo Finance · Nov 13, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
6/7Passes 6 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
68Pass
Benjamin Graham
93Pass
Philip Fisher
87Pass
Peter Lynch
100Pass
Joel Greenblatt
23No pass
Charlie Munger
76Pass
Terry Smith
69Pass
Questions about X Financial
Is X Financial a good stock to buy?
A solid business that is not profitable yet. 6 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the X Financial AI analysis
What does X Financial do?
X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. It is in Credit Services.
Does X Financial pay a dividend?
Yes. At today's price the dividend is 11.2% a year, about 11% of its yearly profit. In 2025 it paid out $155 million in dividends.
Is X Financial stock halal?
No. X Financial does not pass our halal screen: its main business, lending at interest, is not permitted. How we check
How has X Financial stock done over the past year?
Down 53.3% over the past twelve months, to $5.52. It traded between $3.41 and $11.83 and is 53.3% below its high.
Who are X Financial's competitors?
The largest listed companies in the same industry are Visa, Mastercard, American Express and Capital One Financial. The peers table on this page compares their profit, growth and price with X Financial's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.