X Financial
XYFFinancial Services · Stock · annual payer
$4.93
Add to PortfolioForward Yield
11.37%
Annual Dividend
$0.56
Payout Ratio
15%
5-Yr Growth
—
Ex-Date
Apr 30, 2026
Frequency
Annual
XYF Dividend Safety Score
57/ 100
Grade C
Borderline
Dividend-growth streak3 consecutive years of growth
Cut historyCut its dividend in 2023
Earnings payout coverage15% of earnings paid out
Free-cash-flow coverage1% of free cash flow
Balance-sheet strengthDebt/equity of 0.06
Yield vs its historyYield is 2.6× its 5-yr average — elevated
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Is XYF a good dividend stock?
MixedX Financial (XYF) pays a annual dividend yielding 11.37% ($0.56/yr), with 2 years 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 (15%)
Risks
- Cut its dividend in 2023
- Very high yield can signal elevated risk
- Share price is down over the past 5 years
Key Data
- Dividend Yield
- 11.37%
- Payout Ratio
- 15%
- Annual Dividend
- $0.56
- 5-Yr Avg Growth
- —
- Ex-Dividend Date
- Apr 30, 2026
- Years of Growth
- 2
- Frequency
- annual
- Beta
- 0.36
- Market Cap
- $189.9M
- P/E Ratio
- 1.3
- 5-Yr Total Return
- -65%
- 52-Week Range
- $3.30 – $20.36
- Dividend Safety
- C · 57/100
- Ever Cut?
- Yes (2023)
Frequently Asked Questions
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Apr 30, 2026 | — | $0.2800 | regular |
| Jun 20, 2025 | — | $0.2500 | regular |
| Sep 4, 2024 | — | $0.1700 | regular |
| May 9, 2024 | — | $0.1700 | regular |
| Sep 18, 2023 | — | $0.1700 | regular |
| Apr 4, 2019 | — | $0.3000 | regular |
Income Calculator
At $0.56 / yr per share
Per payment (annual)$56.00
Annual$56.00
Monthly avg$4.67
