X Financial (ADR) (XYF)
Connects Chinese borrowers with institutional funding through its data-driven lending platform.
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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
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $425.1M · Total debt $59.3M · Total assets $1.81B · Shareholders' equity $1.16B
- Revenue
- $148.1M
- Operating income
- $29.1M
- Net income
- $7.0M
Reported in CNY, converted at the latest exchange rate
HistoryDividendAnnual yield
| Institutions | 13.00% | 864.6K ADS | |
|---|---|---|---|
| 24 holders · as of Jun 30, 2026 | |||
| Insiders | 391.34% | 26.03M ADS | |
| 7 holders · as of Aug 3, 2026 | |||
| Adds to | 404.34% | ||
6.65M ADS (1 ADS = 20 ordinary shares) as of Aug 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
The share count is from the company's Dec 2022 annual report; nothing newer is on file here.
These groups come from separate filings that can overlap, so they add to 404.34%; nothing is left for Other.
This company has 3 share classes; every stake here is a share of the whole company.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Yue (Justin) TangInsiderdirector, 10 percent owner, officer, other: CEO | 316.49% | 97.60M B ordinary · 16.17M A ADS | filed Mar 18, 2026 |
Kan LiInsiderdirector, officer: President | 33.93% | 2.26M A ADS | filed Mar 18, 2026 |
yufan jiangInsiderofficer: Chief Risk Officer | 16.73% | 1.11M A ADS | filed May 11, 2026 |
Fuya (Frank) ZhengInsiderofficer: Chief Financial Officer | 8.27% | 549,990 A ADS | filed May 11, 2026 |
Longgen ZhangInsiderdirector | 7.52% | 499,998 A ADS | filed Aug 3, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jun 15, 2026 | Zheng Wan | director | −180,000 | $5.24 |
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| X Financial (ADR) | $5.31 | +3.61% | $34.1M | 0.4 | — | 0.0 | −54.0% |
| Qfin (ADR) | $7.79 | −1.72% | $1.03B | 1.1 | 4.6 | 0.4 | −13.0% |
| FinVolution Group (ADR) | $3.23 | −0.77% | $807.3M | 3.0 | — | 0.4 | +0.4% |
| LexinFintech (ADR) | $0.7690 | +0.01% | $129.7M | 0.9 | — | 0.1 | −6.3% |
| Median | 1.1 | 4.6 | 0.4 | −6.3% |