How to buy X Financial shares

X Financial Class A (XYF) is a publicly traded credit services business based in China which employs around 650 staff. X Financial is listed on the NYSE and traded in US dollars. Its current price of $4.94 is 10.7% down on its price a month ago ($5.53).

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Is it a good time to buy X Financial stock?

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Technical analysis

View X Financial's price performance, share price volatility, historical data and technicals.

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Invest in X Financial shares

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Frequently asked questions

• Does X Financial pay dividends?

  • Dividend yield
  • Forward yield
  • Payout ratio

  Dividend yield: 11.34% of stock value

  Forward annual dividend yield: 11.34% of stock value

  Dividend payout ratio: 23.36% of net profits

  X Financial has recently paid out dividends equivalent to 11.34% of its share value annually.

  X Financial has paid out, on average, around 23.36% of recent net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 11.34% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), shareholders could enjoy a 11.34% return on their shares, in the form of dividend payments. In X Financial's case, that would currently equate to about 3.816 per share.

  While X Financial's payout ratio might seem low, this can signify that the company is investing more in its future growth.

  X Financial's most recent dividend payout was on 27 September 2026. To be eligible for the latest dividend you would need to have been a shareholder at 9 September 2026 (the "ex-dividend date").

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

  Currently 16.658% of X Financial shares are held by insiders and 4.017% by institutions.

• 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

• Have X Financial's shares ever split?

  X Financial's shares were split on a 1:3 basis on 18 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.

• How do I sell X Financial shares?

  It's as easy to sell X Financial as it is to buy! Here's how to sell X Financial shares that you already own.

  1. Open your investment app. If you've got one with desktop access, you can log in online
  2. Go to your portfolio. This should be in the main menu
  3. Find your shares. You may be able to search your portfolio
  4. Choose how many you'd like to sell. You'll be able to review the price and see how much you'll receive
  5. Sell your X Financial shares. Your investment platform will let you know when your shares are sold

• Can you buy X Financial shares with a debit card?

  Most dealing providers will let you use your debit card to top up your account and buy shares. The main ways are with a debit card, bank transfer or with Apple/Google Pay.

• What's the easiest way to buy X Financial shares?

  The easiest way to get hold of some X Financial shares is to sign up for a share trading app and place a market order or basic order. This type of order tells the platform that you're interested, so it'll try to execute it as quickly as it can. It could take some time for the order to go through, especially if there's a lot of volatility in X Financial shares.

• Do you need to complete a W8-BEN form if you want to invest in X Financial?

  Yes. When you investing in a US stock, you need to complete a W8-BEN form to minimise your tax liability. Whether these are automatically handled for you depends on your broker, so it would be a good idea to check with them directly.

• What is the key financial information for X Financial?

  X Financial financials

  Revenue TTM	$5.6 billion
  Operating margin TTM	49.93%
  Gross profit TTM	$3.4 billion
  Return on assets TTM	14.17%
  Return on equity TTM	7.28%
  Profit margin	10.06%
  Book value	$29.53
  Market capitalisation The total market value X Financial's outstanding shares	$182.5 million

  TTM: trailing 12 months

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