Trailing Dividend / Share
$22.33
X Financial (XYF) Dividend History
Income profile from 2019 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
69.4%
Payout Ratio
10.9%
Sustainable
Dividend Streak
2 years
XYF Dividend Income Check
Safety
10.9% payout ratio with sustainable safety profile.
Consistency
2 straight years of dividend increases.
Income Trend
Yield on cost is 27.3% and trend is unknown.
XYF Dividend Scorecard
Yield & Income
Dividend Yield69.4%
Trailing DPS$22.33
FrequencySemi-Annual
Payments / 12M2
Payout Safety
Earnings Payout10.9%
Earnings SafetySustainable
FCF Payout10.3%
FCF SafetyWell Covered
Piotroski F-Score5/9
Growth
Growth Streak2 years
3Y CAGRN/A
5Y CAGRN/A
Yield on Cost (5Y)27.3%
YOC Trendunknown
Total Returns
Buyback Yield100.0%
Total Shareholder Yield100.0%
1Y Total Return-57.5%
5Y Total Return5.4%
Div Contribution (5Y)26.3%
Estimated $10K growth (return + dividends):
5Y ago$10,54210Y ago$1,86120Y ago$1,861
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). XYF's recent 5Y regime has been stronger than its full 10Y period, so 5Y can appear higher than 10Y.
XYF Income Growth Story
Dividend per share and yield on cost over time (5 years of payments)
XYF Dividend Safety Story
EPS is the container — dividend is what's drawn out
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Dividend Analysis
Payout Safety
X Financial distributes 10.9% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 10.3%, rated "Well Covered".
Piotroski F-Score: 5/9 — moderate financial health.
Growth Track Record
XYF has raised its dividend for 2 consecutive years.
Total Shareholder Returns
Beyond cash dividends, XYF returns capital through share repurchases. The combined picture: 69.4% dividend yield, 100.0% buyback yield, 100.0% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 27.3% and is currently unknown. The 5-year total return is 5.4%, with dividends contributing 26.3% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $1,861 today.
XYF Recent Dividend Payments
Last 8 payments · Semi-Annual
TTM Total$1.86
Avg/Payment$0.2330
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| Sep 10, 2026Latest | $0.2800 | — | 10.81% | Sep 28, 2026 |
| Apr 30, 2026 | $0.2800 | — | 11.86% | May 20, 2026 |
| Sep 26, 2025 | $0.2800 | ↑ +12.0% | 3.95% | Oct 15, 2025 |
| Jun 20, 2025 | $0.2500 | ↑ +47.1% | 2.44% | Jul 2, 2025 |
| Sep 4, 2024 | $0.1700 | — | 11.02% | Sep 27, 2024 |
| May 9, 2024 | $0.1700 | — | 8.74% | May 31, 2024 |
| Sep 18, 2023 | $0.1700 | ↓ -35.6% | 4.07% | Oct 18, 2023 |
| Apr 4, 2019 | $0.2640 | — | 1.55% | Apr 26, 2019 |
XYF Dividend vs Peers
Comparable companies in the same industry
#1 yield in peer group
Div Yield
69.4%
#1 of 8
Safety
Sustainable
10.9% payout
Streak
2Y
— 5Y CAGR
Total Shareholder
100.0%
#1 of 8
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
1st XYFX Financial | $32M | 69.4% | 10.9% | 2 | Sustainable |
3rd  QFINQfin Holdings, Inc. | $710M | 27.8% | 23.8% | 5 | Sustainable |
 FINVFinVolution Group | $745M | 9.5% | 20.6% | 5 | Sustainable |
2nd  LXLexinFintech Holding… | $110M | 49.3% | 23.5% | 3 | Sustainable |
 JFINJiayin Group Inc. | $69M | 23.8% | 50.6% | 3 | Sustainable |
 BEKEKE Holdings Inc. | $19.3B | 2.1% | 93.6% | 2 | At Risk |
 JDJD.com, Inc. | $36.2B | 4.0% | 52.9% | 3 | Sustainable |
 BABAAlibaba Group Holdin… | $243.7B | 2.0% | 32.6% | 1 | Sustainable |
XYF Annual Dividend History (2016–2026)
11 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.56 | — | 2 | — | — | — | 28.9% |
| 2025 | $0.53 | 55.9% | 2 | $205.56 | 0.3% | 387.85x | 27.3% |
| 2024 | $0.34 | 100.0% | 2 | $189.00 | 0.2% | 555.88x | 17.5% |
| 2023 | $0.17 | — | 1 | $146.88 | 0.1% | 864.00x | 8.8% |
| 2022 | $0.00 | — | 0 | $90.72 | — | — | — |
| 2021 | $0.00 | — | 0 | $88.20 | — | — | — |
| 2020 | $0.00 | -100.0% | 0 | $-146.64 | — | — | — |
| 2019 | $0.26 | — | 1 | $87.12 | 0.3% | 330.00x | 13.6% |
| 2018 | $0.00 | — | 0 | $104.76 | — | — | — |
| 2017 | $0.00 | — | 0 | $43.92 | — | — | — |
Consensus & Technical Research Suite
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XYF — Frequently Asked Questions
Quick answers to the most common questions about buying XYF stock.
How much dividend does XYF pay per share?
X Financial (XYF) pays a trailing 12-month dividend of $22.33 per share, with a current dividend yield of +69.4%. Payments are made Semi-Annual.
When is XYF's next ex-dividend date?
XYF's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. XYF typically pays dividends Semi-Annual.
Is XYF's dividend safe?
XYF's dividend safety is rated "Sustainable" based on an earnings payout ratio of +10.9% and FCF payout ratio of +10.3%. The 2-year growth streak provides moderate confidence.
How many years has XYF increased its dividend?
XYF has 2 consecutive years of dividend growth. The 5-year dividend CAGR is N/A.
How often does XYF pay dividends?
X Financial pays dividends Semi-Annual. The trailing 12-month total is $22.33 per share. Dividend data on this page covers 7+ years from 2019 to 2026.
How much would $10,000 invested in XYF grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in XYF five years ago would be worth approximately $10,542 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is XYF's yield on cost for long-term holders?
XYF's yield on cost — the current dividend divided by the original purchase price — is +27.3% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +69.4% market yield, thanks to the lower original cost basis.