X Financial (XYF)

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X Financial (XYF) is down 8.6% since the beginning of the year. At $5 per share, XYF is trading 76.3% below its 52-week high of $20. Investors who bought $1,000 worth of XYF shares 5 years ago would now be looking at an investment worth $1,078.

X Financial (XYF) has returned -8.56% so far this year and -71.72% over the past 12 months.

Based on dividend-adjusted daily data since Sep 19, 2018, XYF's average daily return is +0.06%, while the average monthly return is +1.08%. At this rate, an investment would double in approximately 5.4 years.

Historically, 45% of months were positive and 55% were negative. The best month was Jun 2021 with a return of +161.2%, while the worst month was Jul 2021 at -45.4%. The longest winning streak lasted 6 consecutive months, and the longest losing streak was 8 months.

On a daily basis, XYF closed higher 44% of trading days. The best single day was Oct 20, 2020 with a return of +75.9%, while the worst single day was Mar 26, 2026 at -26.2%.

X Financial has an annualized alpha of 10.52%, beta of 0.44, and R2 of 0.01 versus S&P 500 Index. Calculated based on daily prices since September 20, 2018.

• This stock participated in 98.96% of S&P 500 Index downside but only -11.87% of its upside - more exposed to losses than it benefited from rallies.
• Beta of 0.44 may look defensive, but with R2 of 0.01 this stock is largely uncorrelated with S&P 500 Index - low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
• R2 of 0.01 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

XYF ranks 5 for risk / return — in the bottom 5% of stocks on our site. This means you're taking on significantly more risk than the returns justify. Consider whether the potential upside is worth the volatility, or explore alternatives with better risk / return profiles.

The table below present risk-adjusted performance metrics for X Financial (XYF) and compare them to S&P 500 Index.

X Financial provided a 16.77% dividend yield over the last twelve months, with an annual payout of $0.81 per share. The company has been increasing its dividends for 2 consecutive years.

The table displays the monthly dividend distributions for X Financial. The dividends shown in the table have been adjusted to account for any splits that may have occurred.

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.

The table below displays the maximum drawdowns of the X Financial. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the X Financial was 95.75%, occurring on Sep 24, 2020. The portfolio has not yet recovered.

The current X Financial drawdown is 83.07%.

The chart below shows the rolling one-month volatility.

The chart below illustrates the trends in the financial health of X Financial over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.

The Valuation section provides an overview of how X Financial is priced in the market compared to other companies in the Credit Services industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.