X Financial Ownership

XYF Stock  USD 15.95  1.52  8.70%   
X Financial Class retains a total of 25.94 Million outstanding shares. X Financial Class maintains 12.9 (%) of its outstanding shares held by insiders and 3.89 (%) owned by institutional investors. Please note that no matter how many assets the company shows, if the real value of the entity is less than the current market value, you may not be able to make money on it.
 
Shares in Circulation  
First Issued
2017-03-31
Previous Quarter
250.7 M
Current Value
48.9 M
Avarage Shares Outstanding
56.6 M
Quarterly Volatility
35.8 M
 
Covid
Please note, institutional investors have a lot of resources and new technology at their disposal. They can put in a lot of research and financial analysis when reviewing investment options. There are many different types of institutional investors, including banks, hedge funds, insurance companies, and pension plans. One of the main advantages they have over retail investors is the fees paid for trades. As they are buying in large quantities, they can manage their cost more effectively.
Check out Your Current Watchlist to better understand how to build diversified portfolios, which includes a position in X Financial Class. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in manufacturing.

XYF Stock Ownership Analysis

About 13.0% of the company outstanding shares are owned by insiders. The company has Price to Book (P/B) ratio of 0.71. Historically many companies with similar price-to-book (P/B) ratio do better than the market in the long run. X Financial Class has Price/Earnings To Growth (PEG) ratio of 0.07. The entity last dividend was issued on the 20th of June 2025. The firm had 1:3 split on the 19th of November 2020. X Financial provides personal finance services in the Peoples Republic of China. X Financial was founded in 2014 and is headquartered in Shenzhen, the Peoples Republic of China. X Financial operates under Credit Services classification in the United States and is traded on New York Stock Exchange. It employs 424 people. For more information please call Yue Tang at 86 75 5862 82977 or visit https://ir.xiaoyinggroup.com.
Besides selling stocks to institutional investors, X Financial also allocates a substantial amount of its earnings to a pull of share-based compensation to be paid out to its employees, managers, executives, and members of the board of directors. Share-Based compensation (also sometimes called Stock-Based Compensation) is a way of paying different X Financial's stakeholders with equity in the business. It is typically used as a motivation factor for employees to contribute beyond their regular compensation (salary and bonus). It is also used as a tool to align X Financial's strategic interests with those of the company's shareholders. Shares issued to employees are usually subject to a vesting period before they are earned and sold.

X Financial Quarterly Liabilities And Stockholders Equity

12.09 Billion

About 13.0% of X Financial Class are currently held by insiders. Unlike X Financial's institutional investors, corporate insiders most likely have a limit on the maximum percentage of share ownership. This is done to align insiders' influence against X Financial's private investors even though both sides will benefit from rising prices or experience loss when the share price declines. The good rule to have in mind is that the maximum share ownership percentage of the corporate insiders should not surpass 25%. View all of X Financial's insider trades

XYF Stock Institutional Investors

Have you ever been surprised when a price of an equity instrument such as X Financial is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading X Financial Class backward and forwards among themselves. X Financial's institutional investor refers to the entity that pools money to purchase X Financial's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Shares
Blackrock Inc2025-03-31
4.8 K
Bnp Paribas Arbitrage, Sa2025-03-31
2.6 K
Federation Des Caisses Desjardins Du Quebec2025-03-31
2.2 K
Public Employees Retirement System Of Ohio2025-06-30
K
Sbi Securities Co Ltd2025-03-31
934
Larson Financial Group, Llc2025-03-31
400
Quadrant Capital Group Llc2025-03-31
81.0
Wells Fargo & Co2025-03-31
0.0
Rhumbline Advisers2025-03-31
0.0
Ubs Group Ag2025-03-31
166.6 K
Ubs O'connor Llc2025-03-31
156.7 K
Note, although X Financial's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

X Financial Outstanding Bonds

X Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. X Financial Class uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most XYF bonds can be classified according to their maturity, which is the date when X Financial Class has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

X Financial Corporate Filings

10th of July 2025
Other Reports
ViewVerify
23rd of June 2025
Other Reports
ViewVerify
16th of June 2025
Other Reports
ViewVerify
6K
23rd of May 2025
A report filed by foreign private issuers with SEC. A foreign private issuer is a non-U.S. company with securities traded on U.S. exchanges.
ViewVerify

Currently Active Assets on Macroaxis

When determining whether X Financial Class is a strong investment it is important to analyze X Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact X Financial's future performance. For an informed investment choice regarding XYF Stock, refer to the following important reports:
Check out Your Current Watchlist to better understand how to build diversified portfolios, which includes a position in X Financial Class. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in manufacturing.
You can also try the Transaction History module to view history of all your transactions and understand their impact on performance.
Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of X Financial. If investors know XYF will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about X Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.443
Dividend Share
3.066
Earnings Share
4.84
Revenue Per Share
142.242
Quarterly Revenue Growth
0.604
The market value of X Financial Class is measured differently than its book value, which is the value of XYF that is recorded on the company's balance sheet. Investors also form their own opinion of X Financial's value that differs from its market value or its book value, called intrinsic value, which is X Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because X Financial's market value can be influenced by many factors that don't directly affect X Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between X Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if X Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, X Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.