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 $19.01, up 0.74% from the previous day, and has increased 343.12% in one year. It has overperformed other stocks in the Credit Services industry by 3.08 percentage points. X Financial stock is currently +402.91% from its 52-week low of $3.78, and -3.99% from its 52-week high of $19.80.
There are currently 253.26M XYF shares outstanding. The market cap of XYF is $804.01M. In the past 24 hours, 218,000 XYF shares were traded.
How to Buy X Financial Stock
Wondering how to invest in X Financial stock? Here's how.
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.
Open your brokerage account: Sign up for 0% fee trading with the highest-rated brokerage we've found.
Deposit funds into your brokerage account: Pick your method of payment and add your information.
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).
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.
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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Based on our research, eToro is the best place to buy stocks. Here's why:
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Buy other financial assets: Such as ETFs and cryptocurrencies.
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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.
eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk.
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
$19.01
1w %
13.22%
1y %
343.12%
5y %
672.76%
P/E
3.89x
P/B
0.78x
P/S
0.88x
PEG
0.14x
Revenue
$910.53M
Earnings
$225.50M
Fore. Rev. Growth
N/A
Fore. Earn. Growth
N/A
Market Cap
$804.01M
Next Earnings
N/A
Next Dividend
N/A
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 3.89x, relative to Credit Services industry P/E ratio of 31.81x
XYF could be undervalued based on its P/B ratio of 0.78x, relative to Credit Services industry P/B ratio of 6.08x
XYF may be undervalued based on its PEG ratio of 0.14x
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 0.63.
XYF profit margin has gone down from 25.2% to 24.8% in the past year.
Metrics for Advanced XYF Traders
SMA10
17.53
SMA20
17.96
SMA50
16.37
SMA100
14.05
SMA200
10.56
MACD
0.4
MACD Signal
0.38
MACD Histogram
0.02
RSI
61.25
Stochastic %K
76.57
Stochastic %D
59.02
StochRSI %K
79.42
StochRSI %D
56.16
XYF Performance Numbers
Last year, XYF earnings were $225.50M. Over the last 5 year, XYF's earnings have gone up by 37.03% per year. This was faster than the Credit Services industry average of 15.52%.
Last year, XYF revenue was $910.53M. Over the last five year, XYF's revenue has grown by 17.51% per year. This was faster than the Credit Services industry average of 10.28%.
No, X Financial doesn't provide an income stream by paying out dividends.
What others are saying about XYF
One of the reasons eToro is our favorite brokerage is because of its social trading community.
Click below to find out what other investors have to say.
Step 5: Make your XYF trade
There are two primary options:
Market order: A market order is an order to buy or sell a security at the best price on the market. Market orders are mostly the easiest way to buy.
Limit order: A limit order enables you to buy or sell a security at a specific price (or better). If you want to be certain you're buying or selling at a particular dollar amount limit, place a limit order.
Press the Open Trade button and your broker will place your order.
If you need more info about buying stocks on eToro, click the how to video below:
How much does it cost to buy one X Financial share?
As of Jul 3, 2025, it costs $19.01 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 $9, you can buy 0.473 shares of XYF.
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.