SmarterDividends
XYF

X Financial

XYF

Financial Services · Credit Services · Stock · annual payer

$4.98

Undervalued · +147% Add to Portfolio

Forward Yield

11.25%

Annual Dividend

$0.56

Payout Ratio

27%

5-Yr Growth

—

Ex-Date

Sep 10, 2026

Frequency

Annual

Key facts about XYF's dividend

Data as of · Source: SmarterDividends data

  • As of Oct 18, 2026, X Financial (XYF) has a forward dividend yield of 11.25%, based on an annual dividend of $0.56 per share and a share price of $4.98.
  • As of Oct 18, 2026, XYF's dividend safety grade from SmarterDividends is C (57 out of 100), which rates the dividend as borderline.
  • XYF last cut its regular dividend in 2023.
  • XYF's most recent ex-dividend date was Sep 10, 2026, for a dividend of $0.28 per share.
  • As of Oct 18, 2026, XYF pays out 27% of its trailing 12-month earnings as dividends (its payout ratio).
  • As of Oct 18, 2026, XYF's 11.25% yield is 162% above its five-year average yield of 4.30%.
  • As of Oct 18, 2026, SmarterDividends' blended fair-value estimate for XYF is $12.32 per share, 147% above the $4.98 share price, so XYF screens as undervalued.
  • X Financial (XYF) pays its dividend annual, once a year.
  • X Financial (XYF) has raised its regular dividend 2 times and cut it 0 times across the 7 payments on record since 2019. Its most recent change was a 12.0% increase to $0.280 per share, going ex-dividend on Apr 30, 2026.
Cite this page

SmarterDividends, "XYF Dividend: Yield, Safety Grade & Next Ex-Date," updated Oct 18, 2026, https://smarterdividends.com/stocks/XYF

Summary

As of Oct 18, 2026, X Financial (XYF) yields 11.25% ($0.56 a year per share) and has a dividend safety grade of C (57/100).

Is XYF a good dividend stock?

Mixed

X Financial (XYF) pays a annual dividend yielding 11.25% ($0.56/yr), with 1 year of growth and a dividend-safety grade of C. The picture is mixed — the dividend pays, but safety or growth signals are weaker than ideal.

Advantages

  • Comfortable payout ratio (27%)

Risks

  • Cut its dividend in 2023
  • Very high yield can signal elevated risk

Key Data

Dividend Yield
11.25%
Payout Ratio
27%
Annual Dividend
$0.56
5-Yr Avg Growth
—
Ex-Dividend Date
Sep 10, 2026
Years of Growth
1
Frequency
annual
Beta
0.43
Market Cap
$183.9M
P/E Ratio
2.4
5-Yr Total Return
18%
52-Week Range
$3.30 – $13.25
Dividend Safety
C · 57/100
Ever Cut?
Yes (2023)

XYF dividend raises and cuts

X Financial (XYF) has raised its regular dividend 2 times and cut it 0 times across the 7 payments on record since 2019. Its most recent change was a 12.0% increase to $0.280 per share, going ex-dividend on Apr 30, 2026.

Ex-dateChangeOld → newMove
Apr 30, 2026Raise$0.250 → $0.280+12.0%
Jun 20, 2025Raise$0.170 → $0.250+47.1%
Every XYF payment →Download every raise and cut (CSV)
XYF ex-dividend date & scheduleNext ex-date Sep 10, 2026 · full ex-dividend historyView →XYF dividend historyEvery payment, totals by year, raises and cutsView →

Frequently Asked Questions

Is XYF a good dividend stock?

Mixed. X Financial (XYF) pays a annual dividend yielding 11.25% ($0.56/yr), with 1 year of growth and a dividend-safety grade of C. The picture is mixed — the dividend pays, but safety or growth signals are weaker than ideal.

Is XYF undervalued?

Based on a blend of discounted cash flow, a dividend-discount model and an earnings-multiple estimate, XYF's fair value is about $12.32 versus a $4.98 share price — so it looks undervalued (+147% vs. fair value).

Is XYF's dividend safe?

XYF has a dividend-safety grade of C (57/100), based on its payout coverage, free-cash-flow, 1-year growth streak, a dividend cut in 2023, debt and yield-versus-history.

What is XYF's fair value?

Our blended fair-value estimate for XYF is about $12.32 per share, roughly 147% above the current $4.98 price — combining a discounted cash flow, a dividend-discount model and an earnings multiple.

Is XYF a buy, hold, or sell?

We don't issue formal ratings, but on the data XYF screens as "mixed" and undervalued. X Financial (XYF) pays a annual dividend yielding 11.25% ($0.56/yr), with 1 year of growth and a dividend-safety grade of C. The picture is mixed — the dividend pays, but safety or growth signals are weaker than ideal. This is research for your own analysis, not investment advice.

Will XYF cut its dividend?

XYF earns a dividend-safety grade of C (57/100), and has cut its dividend before (last in 2023). A higher score means lower cut risk based on payout coverage, cash flow and history — but no score guarantees a dividend.

Does XYF pay a dividend?

Yes. X Financial pays a annual dividend of about $0.56 per share annually, a forward yield of roughly 11.25%.

What is XYF's dividend yield?

As of Oct 18, 2026, XYF's forward dividend yield is 11.25%, based on a $0.56 annual dividend and a $4.98 share price.

What is XYF's dividend per share?

As of Oct 18, 2026, XYF pays $0.56 per share per year, distributed on a annual basis.

What is XYF's dividend payout ratio?

As of Oct 18, 2026, XYF's payout ratio is 27% of trailing 12-month earnings — a comfortable level that leaves room to keep raising the dividend.

How many years has XYF grown its dividend?

As of Oct 18, 2026, XYF has increased its dividend for 1 consecutive years.

When is the next XYF ex-dividend date?

As of Oct 18, 2026, XYF's next ex-dividend date hasn't been announced. The most recent was Sep 10, 2026, for $0.28 per share.

Income Calculator

At $0.56 / yr per share

Per payment (annual)$56.00
Annual$56.00
Monthly avg$4.67

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