How to Buy X Financial Stock

X Financial

X Financial engages in the development and provision of technology platform for personal finance services. The company is headquartered in Shenzhen, Guangdong and currently employs 744 full-time employees.

X Financial stock last closed at $14.04, down 0.78% from the previous day, and has increased 185.08% in one year. It has overperformed other stocks in the Credit Services industry by 1.6 percentage points. X Financial stock is currently +195.21% from its 52-week low of $4.76, and -31.02% from its 52-week high of $20.36.

There are currently 245.3M XYF shares outstanding. The market cap of XYF is $575.15M. In the past 24 hours, 88,000 XYF shares were traded.

How to Buy X Financial Stock

Wondering how to invest in X Financial stock? Here's how.

  1. Figure out where to buy X Financial stock: You need to choose an online brokerage, but don't worry - we've researched dozens of stock brokerages and apps to help you figure out where to buy X Financial stock.
  2. Open your brokerage account: Sign up for 0% fee trading with the highest-rated brokerage we've found.
  3. Deposit funds into your brokerage account: Pick your method of payment and add your information.
  4. Evaluate X Financial stock: The X Financial ticker symbol is XYF. Is X Financial stock a good investment? Should you buy shares of XYF? How do XYF's underlying business fundamentals look? Do top analysts think X Financial is a good buy? Why has XYF's stock price moved recently? (Hint: Our stock market research website can help you understand if XYF is a good stock to buy).
  5. Make your XYF trade: Decide if you will purchase XYF shares at the current market price or use a limit order to purchase XYF stock at a given price.
  6. Get updates on your investment in XYF: Create a watchlist to get the latest news on your new investment in X Financial stock.

Step 1: Figure out where to buy X Financial stock

You need a brokerage account to access the NYSE market and buy XYF stock.

A brokerage account allows you to buy and sell a number of investments, including stocks, bonds, mutual funds, and ETFs.

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Step 2: Open your brokerage account

Now that you've picked the best brokerage, the next step is to fill out some personal details so you are able to invest in XYF stock today.

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Step 3: Deposit funds into your brokerage account

Now that you've created your account on the best stock market app for beginners, your next step is to transfer the money for your investment:

Watch the video below for more details depositing funds into your new brokerage account.

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Step 4: Evaluate X Financial stock

Once you have identified the best place to buy X Financial stock, it's crucial to analyze their stock before you invest, so you truly understand the risk and upside.

X Financial shares at a glance

XYF Price
$14.04
1w %
1.74%
1y %
185.08%
5y %
660.15%
P/E
2.56x
P/B
0.54x
P/S
0.57x
PEG
0.03x
Revenue
$1.04B
Earnings
$242.39M
Fore. Rev. Growth
N/A
Fore. Earn. Growth
N/A
Market Cap
$575.15M
Next Earnings
N/A
Next Dividend
Oct 15, 2025

X Financial Due Diligence Score

WallStreetZen was created to help average investors do more in-depth fundamental analysis quickly.

You can view all of the due diligence checks on XYF's stock page.

Is XYF stock undervalued?

Investors use many financial metrics, analyses, models, and charts to gauge XYF's true value.

Using relative valuations measures:

  • XYF could be undervalued based on its P/E ratio of 2.56x, relative to Credit Services industry P/E ratio of 33.34x
  • XYF could be undervalued based on its P/B ratio of 0.54x, relative to Credit Services industry P/B ratio of 5.24x
  • XYF may be undervalued based on its PEG ratio of 0.03x

You can access more valuation research on XYF's stock here.

XYF Financial Summary

Positive Financial Indicators:

  • Total XYF debt is lower than 5 years ago, relative to shareholder equity.

Negative Financial Indicators:

  • XYF has a relatively high debt to equity ratio of 0.77.
  • XYF profit margin has gone down from 25.4% to 23.3% in the past year.

Metrics for Advanced XYF Traders

SMA10
14.49
SMA20
14.46
SMA50
15.45
SMA100
15.91
SMA200
12.84
MACD
-0.26
MACD Signal
-0.23
MACD Histogram
-0.03
RSI
44.35
Stochastic %K
28.09
Stochastic %D
29.52
StochRSI %K
26.55
StochRSI %D
22.69

XYF Performance Numbers

Last year, XYF earnings were $242.39M. Over the last 3 year, XYF's earnings have gone up by 120.69% per year. This was faster than the Credit Services industry average of 10.45%.

Last year, XYF revenue was $1.04B. Over the last five year, XYF's revenue has grown by 24.91% per year. This was faster than the Credit Services industry average of 11.72%.

Learn more about XYF's earnings and revenue performance here.

Who is buying/selling XYF?

Over the past year, executives and large shareholders at XYF have not bought or sold any shares.

Dig into more about who owns XYF stock here.

Does XYF stock generate passive income?

X Financial dividend payments have not consistently grown over the past 6 years and have not remained stable.

Get more analysis about X Financial dividend yield and history here.

Get analysis from other investors

One of the primary reasons eToro is our highest-rated brokerage is because of its social trading community.

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Step 5: Make your XYF trade

You have two primary order types:

  • Market order: A market order is an order to buy or sell a security at the best possible price.
    Market orders are mostly the easiest way to buy.
  • Limit order: A limit order allows you to buy or sell a security at a specific price (or better).
    If you want to be sure you're buying or selling at a particular dollar amount limit, use a limit order.

Click the Open button and your broker will execute your order.

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Step 6: Get updates on your investment in XYF

Now that you own some XYF shares, you'll want to stay up-to-date on your new investment.

Make a watchlist to see the latest developments about your XYF stock.

XYF Feed

How to Buy Stock in X Financial

To reiterate, here are the 6 steps to buy stock in X Financial:

  1. Figure out where to buy X Financial stock
  2. Open your brokerage account
  3. Deposit funds into your brokerage account
  4. Evaluate X Financial stock
  5. Make your XYF trade
  6. Get updates on your investment in XYF

If you are looking for a place to buy stocks, eToro is our recommended venue.

Get Started with eToro Today
eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk.

If you want to get the latest news on your new investment in X Financial, create a watchlist today.

NYSE: XYF
$14.04-0.11 (-0.78%)
Updated Sep 15, 2025
Open eToro Account
Your capital is at risk.
NYSE: XYF
$14.04-0.11 (-0.78%)
Updated Sep 15, 2025
Open eToro Account
Your capital is at risk.

FAQ

How much does it cost to buy one X Financial share?

As of Sep 15, 2025, it costs $14.04 to buy one share of X Financial stock.

Remember, eToro's fractional share buying allows you to buy partial shares of stocks and ETFs. Even if you only have $7, you can buy 0.499 shares of XYF.

Get Started with eToro Today
eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk.

What is the best way to buy X Financial stock?

One way to place an order for X Financial stock is with a brokerage account.
WallStreetZen does not provide financial advice and does not issue recommendations or offers to buy stock or sell any security.

Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.