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X Financial ADR

NYSE • Financial Services • Credit Services • Quote as of 10/23/2026
X Financial ADR stock price and volume chart

Company Profile

IndustryCredit Services
SectorFinancial Services
ExchangeNYSE
Market Capitalization177.65 mln
Float16.95 mln
Earnings Date11/25/2026

EPS

2.09
Solid

P / E

2.31
Deeply undervalued

Piotroski F-Score

6 / 9
Solid

Beneish M-Score

-2.15
Caution advised

Relative Strength

18 / 100
Significantly lagging

Debt / Equity

0.05
Debt-free

Business Description

Founded in 2014 and based in Shenzhen, China, X Financial is a digital lending company that helps individuals access personal loans through its online platform. The company offers both secured and unsecured loan options, including home equity loans and credit-based products under its Xiaoying brand. Beyond lending, X Financial also generates revenue through technology services, e-commerce, and financial consulting.

Key Fundamentals

EPS2.09
P/E2.31
ROE8.82
RPS133
ROIC4.95
ROA5.01
Interest Cover194
EBITDA, mln126
EV / EBITDA-1.32
EV / EBIT-1.32
Revenue, mln797

Quote Details

Last 4.82
Change -0.04 (-0.82%)
Open 4.80
Volume 29,734
Turnover 143,318
Average Volume 50,185

Financial Ratios

Pre-Tax Profit Margin16
Leverage Ratio1.56
Current Ratio1.22
Price / Book0.11
Price / Tangible Book0.11
Price / Cash Flow0.14
Price / Free Cash Flow0.91
Debt / Equity0.05
Price / Sales0.27

Financial Strength

Altman Z-Score1.5
Piotroski F-Score 6 / 9
Beneish M-Score-2.15
Price to Intrinsic Value0.07
Price to Graham Number0.11
Shiller PE Ratio2.71
Short Ratio1.13
Short % of Float0.51

Price Performance & Relative Strength

Period Price Performance Relative Strength
1 Week -3.21% 14 / 100   
1 Month -7.66% 18 / 100   
2 Months 9.3% 87 / 100   
6 Months 7.11% 76 / 100   
1 Year -56.85% 4 / 100   



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