Trailing Dividend / Share
$2.39
X Financial (XYF) Dividend History
Income profile from 2019 to 2025 with payout safety and yield-on-cost trend
Dividend Yield
7.0%
Payout Ratio
7.6%
Sustainable
Dividend Streak
2 years
3-Second Income Check
Safety
7.6% payout ratio with sustainable safety profile.
Consistency
2 straight years of dividend increases.
Income Trend
Yield on cost is 26.9% and trend is unknown.
Dividend Scorecard
Yield & Income
Dividend Yield7.0%
Trailing DPS$2.39
FrequencySemi-Annual
Payments / 12M2
Payout Safety
Earnings Payout7.6%
Earnings SafetySustainable
FCF PayoutN/A
FCF SafetyUnknown
Piotroski F-Score7/9
Growth
Growth Streak2 years
3Y CAGRN/A
5Y CAGR4.3%
Yield on Cost (5Y)26.9%
YOC Trendunknown
Total Returns
Buyback Yield2.1%
Total Shareholder Yield9.1%
1Y Total Return-45.7%
5Y Total Return72.3%
Div Contribution (5Y)29.6%
Estimated $10K growth (return + dividends):
5Y ago$17,22610Y ago$1,74820Y ago$1,748
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.
Income Growth Story
Dividend per share and yield on cost over time (4 years of payments)
Dividend Safety Story
EPS is the container — dividend is what's drawn out
Dividend Analysis
Payout Safety
X Financial distributes 7.6% of earnings as dividends (Sustainable).
Piotroski F-Score: 7/9 — strong financial health.
Growth Track Record
XYF has raised its dividend for 2 consecutive years, with a 5-year CAGR of 4.3%.
Total Shareholder Returns
Beyond cash dividends, XYF returns capital through share repurchases. The combined picture: 7.0% dividend yield, 2.1% buyback yield, 9.1% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 26.9% and is currently unknown. The 5-year total return is 72.3%, with dividends contributing 29.6% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $1,748 today.
Recent Dividend Payments
Last 6 payments · Semi-Annual
TTM Total$1.30
Avg/Payment$0.2160
Latest Change+8.8%
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| Sep 26, 2025Latest | $0.2720 | ↑ +8.8% | 3.89% | Oct 15, 2025 |
| Jun 20, 2025 | $0.2500 | ↑ +47.1% | 2.44% | Jul 2, 2025 |
| Sep 4, 2024 | $0.1700 | — | 7.34% | 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 |
Dividend Peer Comparison
Peer group: Consumer Credit Issuers and Installment Lenders
#3 yield in peer group
Div Yield
7.0%
#3 of 9
Safety
Sustainable
7.6% payout
Streak
2Y
4.3% 5Y CAGR
Total Shareholder
9.1%
#5 of 9
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
3rd XYFX Financial | $1.2B | 7.0% | 7.6% | 2 | Sustainable |
COFCapital One Financia… | $124.4B | 1.2% | 19.6% | 2 | Sustainable |
SYFSynchrony Financial | $24.9B | 1.4% | 11.4% | 3 | Sustainable |
SYF-PBSynchrony Financial | $9.4B | 3.8% | 11.4% | 3 | Sustainable |
2nd OMFOneMain Holdings, In… | $6.5B | 9.4% | — | 2 | Unknown |
FINVFinVolution Group | $3.2B | 4.3% | 18.5% | 4 | Sustainable |
BFHBread Financial Hold… | $3.1B | 1.2% | 15.5% | 1 | Sustainable |
1st LULufax Holding Ltd | $2.3B | 28.1% | 1.6% | 0 | Sustainable |
ATLCAtlanticus Holdings … | $791M | 2.6% | 23.1% | 7 | Sustainable |
Annual Dividend History
10 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2025 | $0.52 | 53.5% | 2 | — | — | — | 26.9% |
| 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 | $-24.30 | — | — | — |
| 2019 | $0.26 | — | 1 | $14.52 | 1.8% | 55.00x | 13.6% |
| 2018 | $0.00 | — | 0 | $17.43 | — | — | — |
| 2017 | $0.00 | — | 0 | $6.76 | — | — | — |
| 2016 | $0.00 | — | 0 | $-2.37 | — | — | — |
See XYF's True Return
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Start ComparisonFrequently Asked Questions
How much dividend does XYF pay per share?
X Financial (XYF) pays a trailing 12-month dividend of $2.39 per share, with a current dividend yield of +7.0%. 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 +7.6% and FCF payout ratio of N/A. 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 +4.3%.
How often does XYF pay dividends?
X Financial pays dividends Semi-Annual. The trailing 12-month total is $2.39 per share. Dividend data on this page covers 6+ years from 2019 to 2025.
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 $17,226 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 +26.9% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +7.0% market yield, thanks to consistent dividend growth.