How to buy X Financial stock | $2

X Financial is a credit services business based in the US. X Financial shares (XYF) are listed on the NYSE and all prices are listed in US Dollars. X Financial employs 693 staff and has a market cap (total outstanding shares value) of USD$96.8 million.

How to buy shares in X Financial

1. Compare share trading platforms. If you're a beginner, look for a platform with low commissions, expert ratings and investment tools to track your portfolio. Narrow down top brands with our comparison table.
2. Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and bank information. Fund your account with a bank transfer, credit card or debit card.
3. Search for X Financial. Find the stock by name or ticker symbol: XYF. Research its history to confirm it's a solid investment against your financial goals.
4. Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until X Financial reaches your desired price. To spread out your purchase, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
5. Decide on how many to buy. At last close price of USD$2, weigh your budget against a diversified portfolio that can minimize risk through the market's ups and downs. You may be able to buy a fractional share of X Financial, depending on your broker.
6. Check in on your investment. Congratulations, you own a part of X Financial. Optimize your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.

X Financial share price

Use our graph to track the performance of XYF stocks over time.

X Financial shares at a glance

• Key figures

Information last updated 2020-12-29.

Latest market close	USD$2
52-week range	USD$1.425 - USD$5.4
50-day moving average	USD$2.2182
200-day moving average	USD$2.287
Wall St. target price	USD$1.7
PE ratio	2.2346
Dividend yield	USD$0.1 (10.53%)
Earnings per share (TTM)	USD$0.81

Buy X Financial shares from these brokerages

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Is it a good time to buy X Financial stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

Technical Analysis of X Financial by TradingView

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

X Financial price performance over time

Historical closes compared with the close of $2 from 2020-12-31

1 week (2021-01-06)	N/A
1 month (2020-12-13)	N/A
3 months (2020-10-13)	N/A
6 months (2020-07-13)	N/A

1 year (2020-01-13)	N/A
2 years (2019-01-13)	N/A
3 years (2018-01-13)	N/A
5 years (2016-01-13)	N/A

Is X Financial under- or over-valued?

Valuing X Financial stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of X Financial's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

X Financial's P/E ratio

X Financial's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 2x. In other words, X Financial shares trade at around 2x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

X Financial financials

Gross profit TTM	USD$1.4 billion
Return on assets TTM	-3.61%
Return on equity TTM	-14.42%
Profit margin	-26.77%
Book value	$3.215
Market capitalisation	USD$96.8 million

TTM: trailing 12 months

Shorting X Financial shares

There are currently 28,763 X Financial shares held short by investors – that's known as X Financial's "short interest". This figure is 679.5% up from 3,690 last month.

There are a few different ways that this level of interest in shorting X Financial shares can be evaluated.

X Financial's "short interest ratio" (SIR)

X Financial's "short interest ratio" (SIR) is the quantity of X Financial shares currently shorted divided by the average quantity of X Financial shares traded daily (recently around 130740.90909091). X Financial's SIR currently stands at 0.22. In other words for every 100,000 X Financial shares traded daily on the market, roughly 220 shares are currently held short.

However X Financial's short interest can also be evaluated against the total number of X Financial shares, or, against the total number of tradable X Financial shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case X Financial's short interest could be expressed as 0% of the outstanding shares (for every 100,000 X Financial shares in existence, roughly 0 shares are currently held short) or 0% of the tradable shares (for every 100,000 tradable X Financial shares, roughly 0 shares are currently held short).

Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against X Financial.

Find out more about how you can short X Financial stock.

X Financial share dividends

We're not expecting X Financial to pay a dividend over the next 12 months.

Have X Financial's shares ever split?

X Financial's shares were split on a 1:3 basis on 19 November 2020. So if you had owned 3 shares the day before before the split, the next day you'd have owned 1 share. This wouldn't directly have changed the overall worth of your X Financial shares – just the quantity. However, indirectly, the new 200% higher share price could have impacted the market appetite for X Financial shares which in turn could have impacted X Financial's share price.

X Financial share price volatility

Over the last 12 months, X Financial's shares have ranged in value from as little as $1.425 up to $5.4. A popular way to gauge a stock's volatility is its "beta".

Beta is a measure of a share's volatility in relation to the market. The market (NYSE average) beta is 1, while X Financial's is 0.7043. This would suggest that X Financial's shares are less volatile than average (for this exchange).

X Financial overview

X Financial provides personal finance services in the People's Republic of China. The company offers services as an online marketplace connecting borrowers and investors. Its loan product is Xiaoying credit loan, which consists of Xiaoying card loan catering to the credit card holders and Xiaoying preferred loan to small business owners. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as loans, money market, and insurance products; and loan facilitation services to other platforms. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.

Frequently asked questions

• What percentage of X Financial is owned by insiders or institutions?

  Currently 0.261% of X Financial shares are held by insiders and 1.417% by institutions.

• How many people work for X Financial?

  Latest data suggests 693 work at X Financial.

• When does the fiscal year end for X Financial?

  X Financial's fiscal year ends in December.

• Where is X Financial based?

  X Financial's address is: Aerospace Science and Technology Plaza, Shenzhen, China, 518067

• What is X Financial's ISIN number?

  X Financial's international securities identification number is: US98372W1036

• What is X Financial's CUSIP number?

  X Financial's Committee on Uniform Securities Identification Procedures number is: 98372W103