Is X Financial halal to invest in?

According to Musaffa's Shariah screening methodology, X Financial (XYF) is currently classified as NOT HALAL as of May 2026. The classification is based on an evaluation of the company's business activities and financial ratios to determine whether it meets Islamic investment guidelines.

Is X Financial a Shariah-compliant stock?

A stock is Shariah-compliant if the company operates in permissible business activities and meets Islamic financial screening thresholds. Musaffa analyzes X Financial using these criteria to determine its compliance status.

Can Muslims buy shares of X Financial?

Muslim investors may consider investing in X Financial if it meets Shariah compliance standards. Investors typically review the company's business activities, debt levels, and non-permissible income before making a decision.

Why is X Financial classified as NOT HALAL?

Musaffa determines the Shariah status of X Financial by analyzing whether the company's core business operations are permissible and whether its financial ratios fall within accepted Islamic thresholds.

How often is the Shariah compliance for X Financial updated?

The Shariah compliance status of X Financial may be updated periodically when new financial statements, earnings reports, or business activity information become available.

Can a halal stock like X Financial become non-compliant?

Yes. A stock that is currently Shariah-compliant may become non-compliant if the company's financial ratios exceed Shariah thresholds or its business activities change.

Where can I check the Shariah status of X Financial?

You can check the latest Shariah compliance status of X Financial on Musaffa's stock page, where screening results and key financial indicators are updated to help Muslim investors make informed decisions.

XYF Shariah Compliance

Screening Methodology: AAOIFI

NOT HALAL

Last Updated: May 11, 2026

Report Source: 2025 Annual Report

Analyst's Ratings for X Financial (XYF)

Based on 8 analysts giving stock ratings to X Financial in the past 3 months

Strong
SellSellHoldBuyStrong
Buy

Strong Buy

Buy

Hold

Sell

Strong Sell

X Financial. Stock Analysis XYF

United States Financials Micro Cap Report: 2025 Annual

X Financial operates as an online personal finance company that develops and provides a technology platform for personal finance services. The company is headquartered in Shenzhen, Guangdong. The company went IPO on 2018-09-19. The firm is engaged in the connection of borrowers with institutional funding partners and the provision of online personal credit loan products. The firm's main product is Xiaoying Credit Loan, which mainly consists of Xiaoying Card Loan and other unsecured loan products. The firm is also engaged in the provision of secured loan products sunch as Xiaoying Housing Loan and others. The firm primarily conducts its businesses in domestic market.

Key Statistics of X Financial (XYF)

Key statistics in the stock market are essential financial indicators that measure a company's performance, valuation, profitability, and risk.

Today's Range

$4.57$4.76

Today's Open

$4.64

Volume

120.32K

P/E Ratio (TTM)

0.86

52 Week Range

$3.30$20.36

Market Cap

178.62M

Avg. Volume

138.52K

Dividend Yield

Financial Metrics & Statements of X Financial (XYF)

FAQ's for X Financial (XYF)

According to Musaffa’s Shariah screening methodology, X Financial (XYF) is currently classified as NOT HALAL as of May 2026. The classification is based on an evaluation of the company’s business activities and financial ratios to determine whether it meets Islamic investment guidelines.