X Financial (XYF)

NYSE · Banking & Credit · Finance Services

Price
$5.23
Day
-1.51%
Market cap
$217.47M
P/E
1.0

Close 2026-09-23.

The company

Overview X Financial is a leading Chinese fintech platform focused on technology-driven personal finance and loan facilitation, committed to connecting borrowers with institutional funding partners through proprietary big data-driven technology. We have established strategic partnerships with financial institutions across multiple areas of our operations, enabling us to facilitate loans to prime borrowers under a robust risk assessment and control system. We offer differentiated products specifically catered to the financing needs of individuals in Chinese Mainland. Our primary loan product is Xiaoying Credit Loan, a category of online personal credit loan products facilitated through our platform, including our flagship product Xiaoying Card Loan — which offers borrowers a combination of small credit lines and attractive interest rates — and other unsecured loan products we introduce from time to time. In 2023, 2024, and 2025, total loans facilitated amounted to RMB 105,557 million, RMB 104,889 million, and RMB 130,552 million, respectively. The delinquency rate for outstanding loans 31-60 days past due increased from 1.17% as of December 31, 2024 to 2.90% as of December 31, 2025. As of December 31, 2023, 2024, and 2025, the IRR of our major loan products did not exceed 36%.

From Item 1: Overview.

By product & service

Institutional holders

Largest positions reported on Form 13F for the quarter ended 2026-06-30, by value.

Insider trades

Open-market buys and sales filed on Form 4, newest first. Grants, option exercises and tax withholding are left out.

Recent filings