What is the fair value of X Financial Class A (NYSE-XYF) stock?

The current fair value estimate for X Financial Class A (NYSE-XYF) is $7.85. This implies an estimated upside of 60.3% versus the current market price.

Is X Financial Class A (NYSE-XYF) undervalued or overvalued?

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 60.3% versus the current market price.

How is the financial health of X Financial Class A?

The current financial health read for X Financial Class A (NYSE-XYF) is Great. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

When is X Financial Class A's next earnings date?

The next earnings date currently listed for X Financial Class A (NYSE-XYF) is November 20, 2026.

Does X Financial Class A (NYSE-XYF) pay dividends?

Based on the current data, dividend yield is 11.1%, payment date is September 28, 2026.

What is the P/E ratio for X Financial Class A (NYSE-XYF)?

The current P/E ratio listed for X Financial Class A (NYSE-XYF) is 2.2x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

What is the market capitalization of X Financial Class A?

The current market capitalization listed for X Financial Class A is 188.7 M.

What is the enterprise value of X Financial Class A?

The current enterprise value listed for X Financial Class A is 83.591 M. Enterprise value can provide a broader valuation view than market capitalization alone because it also considers net debt.

What is the ticker symbol for X Financial Class A?

The ticker symbol for X Financial Class A is NYSE-XYF, and the stock is listed on NYSE.

Where is X Financial Class A (NYSE-XYF) listed?

X Financial Class A (NYSE-XYF) is listed on NYSE.

What is the debt-to-total-capital ratio for X Financial Class A?

The current debt-to-total-capital ratio listed for X Financial Class A is 25.1%, which helps investors evaluate the company’s financing structure and leverage profile.

What is the free float for X Financial Class A?

The free float listed for X Financial Class A is 36.9%. Free float helps investors understand how much of the share base is available for public trading.

X Financial Class A (XYF) Fair Value & Stock Analysis

X Financial Class A (XYF)

X Financial Class A is a depositary receipt listed on the NYSE that represents the common stock of X Financial. The underlying issuer operates through its subsidiaries as an online personal finance company in the People’s Republic of China. Its products include Xiaoying credit loans, which cover online personal credit loan offerings such as Xiaoying card loans and other unsecured lending products, as well as Xiaoying housing loans, a secured home equity loan product. The group also provides guarantee, consulting, e-commerce, and microcredit services, and it is involved in technology development, related services, and product sales. X Financial was founded in 2014 and is headquartered in Shenzhen, China.

Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Market Outlook FAQ

Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.

Ticker	Fair Value	Fair Value Upside/Downside	Fair Value Rating	Analyst Price Target	Analyst Target Upside/Downside	Overall Financial Health	Dividend Payment Date	Dividend Yield	Next Earnings Date	P/E Ratio	Price-to-Book Ratio	Price-to-Sales Ratio	Market Cap	Enterprise Value	Total Debt / Total Capital	Free Float / Shares Outstanding	Altman Z-Score	Payout Ratio
NYSE-XYF	$7.85	60.3% Upside	Bargain	Not available	Not available	Great	September 28, 2026	11.1%	November 20, 2026	2.2x	0.2x	0.2x	188.7 M	83.591 M	25.1%	36.9%	11.8	10.6%