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XYF Dividend DRIP Calculator 2026
9.57% YieldFinancial ServicesX Financial · NYSE
Price: $5.54 · Annual div: $0.53/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Portfolio growth: DRIP vs No DRIP
Annual dividend income growth
💡 What-if scenarios
Click to apply scenario to the calculator
🎯 When XYF pays your bills
Year your monthly dividend income covers each expense (based on current settings)
Share your XYF snowball 📈
$10,000 in XYF → $11.25M in 10 years · $87.58/month
About X Financial (XYF) — Dividend Analysis 2026
Operating in the People's Republic of China, X Financial delivers personal financial solutions, primarily functioning as an online platform that connects individuals seeking funds with potential investors. The company's diverse lending portfolio encompasses the Xiaoying credit loan, which features the Xiaoying card loan component; the Xiaoying preferred loan, specifically tailored for small enterprise owners; and the Xiaoying revolving loan. Beyond these offerings, X Financial also provides the Xiaoying housing loan, a home equity product for property owners. Through its Xiaoying wealth management platform, clients can access various investment vehicles, including loans, money market instruments, and insurance products. Furthermore, the company extends loan facilitation support to other external platforms. X Financial was established in 2014 and maintains its corporate headquarters in Shenzhen, China.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 XYF Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold XYF.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 9.57% | 6.77% | $957 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 8.13% | 5.33% | $813 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 7.66% | 4.86% | $766 / yr |
| 🇬🇧 UK ISA | 0% | 9.57% | 6.77% | $957 / yr |
| 🇬🇧 UK Taxable | 8.75% | 8.73% | 5.93% | $873 / yr |
| 🇨🇦 TFSA | 0% | 9.57% | 6.77% | $957 / yr |
| 🇨🇦 CA Taxable | 25% | 7.18% | 4.38% | $718 / yr |
| 🇦🇺 Super (pension) | 15% | 8.13% | 5.33% | $813 / yr |
| 🇦🇺 AU Taxable | 30% | 6.70% | 3.90% | $670 / yr |
| 🇩🇪 DE Taxable | 26.375% | 7.05% | 4.25% | $705 / yr |
| 🇫🇷 FR Taxable | 30% | 6.70% | 3.90% | $670 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 XYF Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.53/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 XYF Dividend Payment Schedule
XYF pays quarterly — 4 times per year. Next ex-div: TBD.
📊 XYF vs Financial Services Benchmarks
How XYF compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for XYF sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ XYF Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| C-Conversion | 2026-08-01 | 90,000 | — | — | ||
| Sale | 2026-06-15 | 90,000 | $5.29 | $476.1K | ||
| Sale | 2026-06-15 | 90,000 | $5.18 | $466.2K | ||
| Other | 2026-06-01 | 90,000 | — | — | ||
| Other | 2027-06-01 | 90,000 | — | — | ||
| Other | 2026-08-01 | 90,000 | — | — | ||
| Other | 2027-08-01 | 90,000 | — | — | ||
| Other | 2027-01-10 | 49,998 | — | — | ||
| Other | 2028-01-10 | 50,004 | — | — | ||
| Other | 2028-01-10 | 25,014 | — | — |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the XYF dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
X Financial (XYF) is currently trading at $5.54, 70% below its 52-week high. The current dividend yield is 9.57% based on an annual payout of $0.53 per share.
XYF (X Financial) — 9.57% Dividend Yield Analysis
X Financial (XYF) is a financial services stock currently trading at $5.54 with a dividend yield of 9.57%. The company pays an annual dividend of $0.53 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings.
- Above-average yield (9.57%) may signal elevated risk — verify sustainability.
Auto-generated from live market data. For educational purposes only — not financial advice.