X Financial (ADR)
Connects Chinese borrowers with institutional funding through its data-driven lending platform.
Something off on this page? Send us feedback.
Profile
Connects borrowers in China with institutional funding partners through Xiaoying Card Loan, its flagship product. Operations use data-driven risk control and combine loan facilitation with licensed online microcredit through PRC subsidiaries and VIEs.
Connecting borrowers in China with institutional funding partners, the platform centers on Xiaoying Card Loan, its flagship product. WinSAFE combines conventional credit information with selected internet and mobile-platform data to produce borrower risk profiles and differentiated credit limits.
New loans moved fully to institutional funding after the platform stopped funding them through individual investors. The group also began licensed online microcredit operations as part of its personal-finance platform.
PRC subsidiaries and variable-interest entities conduct the China operations, while the listed Cayman parent relies on contractual arrangements. Funding continuity and PRC financial regulation shape the operating model.
Company facts
Categories
Key statistics
Year to date −4.6% · Average volume (30d) 50.4K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 24, 2026Q2 FY26 | $0.29 | $0.65 | +121.5% | $146.0M | $146.0M | 0.0% | +2.04% |
| May 28, 2026Q1 FY26 | $0.29 | $0.30 | +3.3% | $169.9M | $169.9M | 0.0% | +1.69% |
| May 27, 2026Q1 FY26 | $0.29 | $0.30 | +3.3% | $232.8M | — | — | −2.87% |
| Mar 26, 2026Q4 FY25 | $0.28 | $0.22 | −22.8% | $206.9M | $206.9M | 0.0% | +6.74% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $288.3M | $338.2M | $291.8M | $215.4M | $173.9M | $147.4M | |
| Gross profit | $217.0M | $261.7M | $198.6M | $141.2M | $102.2M | $85.0M | |
| Operating income | $83.6M | $99.0M | $53.9M | $3.0M | $20.8M | $28.9M | |
| Net income | $68.2M | $78.6M | $62.7M | $8.4M | $5.6M | $7.0M | |
| Diluted EPS | $9.43 | $10.71 | $9.00 | $1.25 | $0.86 | $1.09 | |
| Gross margin | 75.3% | 77.4% | 68.1% | 65.6% | 58.7% | 57.6% | |
| Operating margin | 29.0% | 29.3% | 18.5% | 1.4% | 12.0% | 19.6% |
Fiscal years (4-quarter sums)FY21 $222.6M · FY22 $228.8M · FY23 $428.2M · FY24 $601.8M · FY25 $1.13B
Revenue by product · FY25
Balance sheet, Jun 30, 2026Cash & short-term investments $423.1M · Total debt $59.0M · Total assets $1.80B · Shareholders' equity $1.15B
Dividends
Last raised to $0.28 from $0.25 in Sep 2025. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Apr 30, 2026 | Apr 30 | May 20 | $0.28 | |
| Sep 26, 2025 | Sep 26 | Oct 15 | $0.28 | raised from $0.25 |
| Jun 20, 2025 | Jun 20 | Jul 2 | $0.25 | raised from $0.17 |
| Sep 4, 2024 | Sep 4 | Sep 27 | $0.17 | |
| May 9, 2024 | May 10 | May 31 | $0.17 | |
| Sep 18, 2023 | Sep 19 | Oct 18 | $0.17 | special dividend |
Ownership
Shares outstanding 6.65M · Float 2.41M · 36.2% free float
Insiders — filings are in another share unit.
The Form 4 positions here total more than the shares outstanding, so the filings and the share count are not on the same basis — usually an unlisted unit behind the listed one — and no insider percentage is shown.
This listing is a depositary receipt and the Form 4 positions here are filed in the shares behind it, a different unit from the share count and in a ratio the filings never state, so no insider percentage is shown.
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| Acadian Asset Management LLC | 269.5K | 4.05% | 13F | May 13, 2026 |
| Two Sigma Investments, LP | 171.5K | 2.58% | 13F | May 15, 2026 |
| Qube Research & Technologies Ltd | 168.6K | 2.54% | 13F | May 15, 2026 |
| O'Shaughnessy Asset Management, LLC | 131.7K | 1.98% | 13F | May 13, 2026 |
| Trexquant Investment LP | 113.2K | 1.70% | 13F | May 15, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jun 15, 2026 | Zheng Wan | director | −180,000 | $5.24 |
Peers
- Qfin (ADR)
Credit-tech services for consumer and SME loans
- FinVolution Group (ADR)
Online consumer-finance platform for young borrowers
- LexinFintech (ADR)
Technology-enabled consumer lending and credit services
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| X Financial (ADR) | $5.54 | +0.45% | $36.8M | 0.5 | — | 0.0 | −40.5% |
| Qfin (ADR) | $8.78 | −0.31% | $1.15B | 1.3 | 3.0 | 0.5 | −13.0% |
| FinVolution Group (ADR) | $3.46 | +1.91% | $844.5M | 3.1 | — | 0.4 | +0.4% |
| LexinFintech (ADR) | $1.18 | +0.43% | $199.0M | 1.0 | — | 0.1 | +12.5% |
| Median | 1.3 | 3.0 | 0.4 | +0.4% |