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XYF DRIP Calculator & Dividend Yield 2026
11.62% YieldFinancial ServicesX Financial · NYSE
Price: $4.82 · Annual div: $0.5600/share · Frequency: semi-annual · Payout ratio: N/A · Ex-div: 2026-09-10
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Portfolio growth: DRIP vs No DRIP
Annual dividend income growth
XYF Dividend Yield
XYF (X Financial) has a dividend yield of 11.62%, based on an annual dividend of $0.5600 per share and a price of $4.82. Over the last 12 months it paid $0.5600 per share — a trailing yield of 11.62%. Dividends are paid semi-annual.
Yield history: over the last 7 payments, XYF's 12-month yield ranged from 2.35% to 19.66%. Full XYF dividend history ↓
XYF DRIP Rate: How Many Shares Your Dividends Buy
With dividends reinvested, a XYF position grows its share count by about 10.10% in the first year at today's price and yield. If the dividend grows 0.0% a year and the price 15.0%, DRIP doubles your number of shares in about 19 years without adding new money.
💡 What-if scenarios
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🎯 When XYF pays your bills
Year your monthly dividend income covers each expense (based on current settings)
XYF Dividend History — Last 8 Payments
| Ex-Dividend Date | Payment Date | Amount / Share | TTM Yield | Stock Price |
|---|---|---|---|---|
| 2026-09-10Latest | 2026-09-28 | $0.2800 | 15.16% | $5.54 |
| 2026-04-30 | 2026-05-20 | $0.2800 | 19.66% | $4.12 |
| 2025-09-26 | 2025-10-15 | $0.2800 | 3.41% | $15.56 |
| 2025-06-20 | 2025-07-02 | $0.2500 | 2.35% | $17.84 |
| 2024-09-04 | 2024-09-27 | $0.1700 | 10.52% | $4.85 |
| 2024-05-09 | 2024-05-31 | $0.1700 | 9.16% | $3.71 |
| 2023-09-18 | 2023-10-18 | $0.1700 | 3.86% | $4.40 |
| 2019-04-04 | 2019-04-26 | $0.2640 | — | — |
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.
XYF Dividend & DRIP — Frequently Asked Questions
What is XYF's dividend yield?
XYF (X Financial) has a dividend yield of 11.62%, based on an annual dividend of $0.5600 per share and a price of $4.82. Over the last 12 months it paid $0.5600 per share — a trailing yield of 11.62%. Dividends are paid semi-annual.
How much does $10,000 in XYF pay in dividends?
$10,000 in XYF at a 11.62% yield pays about $1,162 a year ($97 a month) before taxes. With DRIP, reinvested dividends buy more shares and that income compounds.
What is the DRIP rate for XYF?
With dividends reinvested, a XYF position grows its share count by about 10.10% in the first year at today's price and yield. If the dividend grows 0.0% a year and the price 15.0%, DRIP doubles your number of shares in about 19 years without adding new money.
How do I calculate XYF dividend reinvestment (DRIP) returns?
Enter your starting amount, monthly contribution and time horizon in the XYF DRIP calculator at the top of this page. It reinvests each payout into new shares at the projected price, grows the dividend at the rate you choose and shows yearly income, share count, portfolio value and yield on cost. You can switch DRIP off to compare.
When is XYF's next ex-dividend date?
XYF's next ex-dividend date has not been announced yet; the most recent one was 2026-09-10. XYF pays dividends semi-annual. Buy before the ex-dividend date to receive the next payment.
What is XYF's dividend growth rate?
XYF's dividend changed 5.7% over the last year and 0.0% a year on average over five years.
Similar dividend stocks to XYF
Forward dividend yield from the latest data · open any DRIP calculator
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% | 11.62% | 8.82% | $1,162 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 9.88% | 7.08% | $988 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 9.30% | 6.50% | $930 / yr |
| 🇬🇧 UK ISA | 0% | 11.62% | 8.82% | $1,162 / yr |
| 🇬🇧 UK Taxable | 8.75% | 10.60% | 7.80% | $1,060 / yr |
| 🇨🇦 TFSA | 0% | 11.62% | 8.82% | $1,162 / yr |
| 🇨🇦 CA Taxable | 25% | 8.71% | 5.92% | $872 / yr |
| 🇦🇺 Super (pension) | 15% | 9.88% | 7.08% | $988 / yr |
| 🇦🇺 AU Taxable | 30% | 8.13% | 5.33% | $813 / yr |
| 🇩🇪 DE Taxable | 26.375% | 8.56% | 5.76% | $856 / yr |
| 🇫🇷 FR Taxable | 30% | 8.13% | 5.33% | $813 / 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 $0.56/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 XYF Dividend Payment Schedule
XYF pays quarterly — 4 times per year. Ex-div: 2026-09-10.
📊 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.
Peer Group
Similar companies in the same sectorCompare XYF with peers: XYF vs ACOG · XYF vs AUBN · XYF vs BYNO
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 $4.82, 63% below its 52-week high. The current dividend yield is 11.62% based on an annual payout of $0.5600 per share.
XYF (X Financial) — 11.62% Dividend Yield Analysis
X Financial (XYF) is a financial services stock currently trading at $4.82 with a dividend yield of 11.62%. It pays an annual dividend of $0.5600 per share.
- Above-average yield (11.62%) may signal elevated risk — verify sustainability.
Auto-generated from live market data. For educational purposes only — not financial advice.
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LiveHow investors use the XYF dividend calculator
Illustrative examples of common use cases, written by the DividendFlow team — not customer reviews.