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Founded by Yue Tang and Baoguo Zhu on January 5, 2015 and headquartered in Shenzhen, China, X Financial (XYF) operates as an online personal finance company.

It develops and provides a technology platform for personal finance services.

It is committed to connecting borrowers on its platform with its institutional funding partners

Three key data points gauge XYF or any dividend-paying entity, namely:

(1) Price

(2) Dividends

(3) Returns

Those keys also indicate if any company has made, is making, and will make money.

XYF Price

X Financial’s share price was up about 86.6% last year, from $6.84 to $12.40 per Wednesday’s market price.

One analyst covers the stock.

The single analyst's one-year price target was $5.10.

That $7.30 annual decrease, of course, could also stay flat, or increase, per market action.

Historically, X Financial's price fell 61% from $35.91 9/19/18 to $14.01 9/16/25.

That is a $3.12 average decrease per year over those seven years.

Over the past five years, however, X price has grown from $2.425 to $12.40 that averages out to $1.995 per year.

XYF Dividends

X Financial has paid variable semi-annual dividends since September 2023.

The current forward-looking annual dividend of $0.56 yields 4.52% as of Wednesday’s share price.

XYF Returns

Putting it all together, a $2.56 estimated gross gain per share shows up when adding XYF’s annual $0.56 dividend to the analyst-estimated $2.00 annual price gain.

A little over $1000 invested at Tuesday’s $12.40 share price would buy 81 shares which, multiply the $2.56 estimated gross gain to $206.45 for the coming year.

About 22% of that $206 gain comes from the annual $45.20 dividend generated from your $1,000 investment. Furthermore, the $45.20 annual dividend income from $1,000 invested is over 3.5 times greater than the recent $12.40 single-share price.

(A dividend dogcatcher rule is to only buy initial shares of a stock that pay an annual dividend from $1000 invested that is greater than the cost of a single share.)=

3.65 is more than 1.

Therefore, you could choose to pounce on X Financial with its dividend payout of about 3.65 times the single share price.

The exact track of XYF’s future share price and dividends will entirely be determined by market action and company finances.

Remember, the best way to track stock performance and dividend payments is through direct ownership of company shares.

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