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XYF Stock — X Financial Class A
X Financial Class A (XYF)
Updated October 16, 2026.
Verdict as of October 16, 2026
XYF's distribution is rated elevated risk by the Dividend Vision Distribution Safety Score™ (32/100, high confidence). It pays semi-annual and its distribution rate is 11.24%. The latest total cash payment per current share, $0.28 with an ex-date of September 10, 2026, was unchanged from the previous payment. These payments are unclassified; this does not establish a base-dividend change.
Sources: Section 19a-1 notices, scoring methodology.
XYF is a Stock. its distribution rate is 11.24%, its trailing-12-month yield is 11.24%. Dividend Vision Distribution Safety Score™ is 32/100 (Elevated risk). Total return is -81.6% over the past 8.1 years, 278.4 points behind SPY at 196.8%.
X Financial is a China-based online personal finance company that offers unsecured personal credit loans, secured home equity loans, and related financial services including guarantees, consulting, and microcredit products. The company distributes dividends on a semi-annual basis at a moderate current distribution rate. The stock may appeal to income-focused investors seeking exposure to Chinese financial services companies.
XYF dividend yield and income
Price as of 2026-10-16.
The distribution rate (11.24%) uses calculation basis unavailable. Trailing-12-month yield (11.24%) is the last year of cash distributions by ex-date divided by the current price. The dividend amount is $0.28. The ex-dividend date is 09/10/2026. The payment date is 09/28/2026.
| Ex-date | As paid | Per current share | Change from previous payment |
|---|---|---|---|
| 2026-09-10 | $0.28 | $0.28 | 0.0% Unclassified cash |
| 2026-04-30 | $0.28 | $0.28 | 0.0% Unclassified cash |
| 2025-09-26 | $0.28 | $0.28 | 12.0% Unclassified cash |
| 2025-06-20 | $0.25 | $0.25 | 47.1% Unclassified cash |
| 2024-09-04 | $0.17 | $0.17 | 0.0% Unclassified cash |
| 2024-05-09 | $0.17 | $0.17 | 0.0% Unclassified cash |
| 2023-09-18 | $0.17 | $0.17 | -43.3% Unclassified cash |
| 2019-04-04 | $0.1 | $0.3 | — |
| 2019 total | — | $0.3 | — |
| 2023 total | — | $0.17 | -43.3% |
| 2024 total | — | $0.34 | 100.0% |
| 2025 total | — | $0.53 | 55.9% |
| 2026 YTD total | — | $0.56 | 5.7% vs prior-year YTD |
XYF dividend growth
Trailing-12-month distributions versus the preceding 12 months changed +5.7%. The 1Y row below uses this same adjacent TTM cash-window comparison. The deepest trailing-12-month payout decline in the past five years is -27.66%.
| Window | Change |
|---|---|
| 1Y | +5.7% |
| 3Y | 229.4% |
XYF performance versus SPY
Price and return data through 2026-10-16.
Total return is -81.6% over the past 8.1 years, 278.4 points behind SPY at 196.8%. Over the past year its total return — price change plus distributions reinvested — is -58.1%. Its deepest 1-year drawdown was 74.3%.
| Window | Total return | CAGR |
|---|---|---|
| 1M | 4.2% | — |
| 3M | 10.2% | — |
| 6M | 18.1% | — |
| YTD | -0.7% | — |
| 1Y | -58.1% | — |
| 2Y CAGR | — | -9.00% |
| 3Y CAGR | — | 19.20% |
| 5Y CAGR | — | 8.50% |
| Since inception (8.1 years) | -81.6% | -18.90% |
XYF key facts
- Distribution Safety Score™
- 32 · Elevated risk
- Safety-Adjusted Yield
- 3.60%
- Asset type
- Stock
- Asset class
- Equity
- Inception date
- 09/19/2018
- Distribution rate
- 11.24%
- Distribution frequency
- Semi-Annual
- Trailing yield
- 11.24%
- Last close
- $4.98 (as of 2026-10-16)
- Market cap
- $102,920,221
- Average volume
- 45174.0
- Dividend
- $0.28
- Ex-dividend date
- 09/10/2026
- Payment date
- 09/28/2026
- Beta
- 0.426
- Payout ratio
- 23.4%
- P/E ratio
- 2.38
- Forward P/E
- 13.8378
- EPS
- $2.09
How Dividend Vision calculates yield and returns
Distribution rate (11.24%) uses calculation basis unavailable. Issuer rates can use a different denominator and date, including ex-date NAV. Trailing-12-month yield (11.24%) is the sum of split-adjusted cash distributions with ex-dates in the last 12 months, divided by the published price. It lags a recent raise or cut. Total return uses split-adjusted close with distributions reinvested on the ex-dividend date (a modeling convention, not the cash-settlement date) from the first stored bar on or after inception through the latest bar, compared with the same window on the benchmark. That is the security's total return, not your personal gain/loss.
Yield and safety methodology · Distribution rate methodology · Distribution Safety Score methodology
Sources and review
Primary sources: prices and distributions from Dividend Vision, derived from vendor EOD data.
Reviewed by Bert Sweet, CEO and Co-owner of Dividend Vision. Methodology: Distribution Safety Score.
XYF risks and drawbacks
Payments are semi-annual, so cash flow is lumpy versus a monthly fund. Total return has trailed SPY over the available window. The deepest 1-year drawdown on record here is 74.3%.
Who may consider XYF — and who may not
It is a weaker fit for investors who need monthly cash flow (XYF pays semi-annual); investors whose main goal is matching SPY total return. This is educational context, not a recommendation to buy or sell.
More on XYF
Frequently asked questions
Does XYF pay monthly?
No. XYF currently pays semi-annual, not monthly.
What is XYF's dividend yield?
XYF's distribution rate is 11.24%, paid semi-annual — calculation basis unavailable.
How has XYF's dividend grown?
Trailing-12-month distributions versus the preceding 12 months changed +5.7%. That is the same adjacent TTM cash-window comparison used in the dividend-history table.
When does XYF pay a dividend?
XYF pays semi-annual. The dividend amount is $0.28. The ex-dividend date is 09/10/2026. The payment date is 09/28/2026.
How has XYF performed?
Total return is -81.6% over the past 8.1 years, 278.4 points behind SPY at 196.8%. Over the past year its total return — price change plus distributions reinvested — is -58.1%. Its deepest 1-year drawdown was 74.3%.
Is XYF a good investment?
XYF's Dividend Vision Distribution Safety Score is 32 (Elevated risk). That is a risk signal, not investment advice. Its distribution rate is 11.24% (calculation basis unavailable). Compare peers below rather than treating any single figure as a buy or sell.
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Holdings as-of date unavailable.
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