<div id="readability-page-1"><div><h3>Key Insights</h3><ul> <li> Significant insider control over X Financial implies vested interests in company growth </li> <li> The top 3 shareholders own 54% of the company </li> <li> Using data from company's past performance alongside ownership research, one can better assess the future performance of a company </li> </ul><p>We've found 21 US stocks that are forecast to pay a dividend yield of over 6% next year. See the full list for free.</p><p> Every investor in X Financial (NYSE:XYF) should be aware of the most powerful shareholder groups.  And the group that holds the biggest piece of the pie are individual insiders with 54% ownership.  Put another way, the group faces the maximum upside potential (or downside risk). </p><p> And last week, insiders endured the biggest losses as the stock fell by 10%.    </p><p> Let's delve deeper into each type of owner of X Financial, beginning with the chart below. </p><p><span> See our latest analysis for X Financial </span></p><figure><img height="245" src="https://imageproxy.pbkrs.com/https://images.simplywall.st/asset/chart/557966096-ownership-breakdown-1-dark-2/1766838584532?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" width="746" original-src="https://imageproxy.pbkrs.com/https://images.simplywall.st/asset/chart/557966096-ownership-breakdown-1-dark-2/1766838584532"/><figcaption>NYSE:XYF Ownership Breakdown December 27th 2025</figcaption></figure> <h2>What Does The Institutional Ownership Tell Us About X Financial?</h2><p> Institutions typically measure themselves against a benchmark when reporting to their own investors, so they often become more enthusiastic about a stock once it's included in a major index. We would expect most companies to have some institutions on the register, especially if they are growing. </p> <p> Less than 5% of X Financial is held by institutional investors. This suggests that some funds have the company in their sights, but many have not yet bought shares in it.  So if the company itself can improve over time, we may well see more institutional buyers in the future.  When multiple institutional investors want to buy shares, we often see a rising share price. The past revenue trajectory (shown below) can be an indication of future growth, but there are no guarantees. </p><figure><img height="1048" src="https://imageproxy.pbkrs.com/https://images.simplywall.st/asset/chart/557966096-earnings-and-revenue-growth-1-dark-2/1766838585527?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" width="1642" original-src="https://imageproxy.pbkrs.com/https://images.simplywall.st/asset/chart/557966096-earnings-and-revenue-growth-1-dark-2/1766838585527"/><figcaption>NYSE:XYF Earnings and Revenue Growth December 27th 2025</figcaption></figure> <p> Hedge funds don't have many shares in X Financial.      With a 44% stake, CEO Yue Tang is the largest shareholder.       Meanwhile, the second and third largest shareholders, hold 5.5% and 4.7%, of the shares outstanding, respectively.     </p> <p> After doing some more digging, we found that the top 3 shareholders collectively control more than half of the company's shares, implying that they have considerable power to influence the company's decisions.  </p> <p> While studying institutional ownership for a company can add value to your research, it is also a good practice to research analyst recommendations to get a deeper understand of a stock's expected performance.   As far as we can tell there isn't analyst coverage of the company, so it is probably flying under the radar.  </p><h2>Insider Ownership Of X Financial</h2><p> The definition of company insiders can be subjective and does vary between jurisdictions. Our data reflects individual insiders, capturing board members at the very least.  Company management run the business, but the CEO will answer to the board, even if he or she is a member of it. </p><p> Insider ownership is positive when it signals leadership are thinking like the true owners of the company. However, high insider ownership can also give immense power to a small group within the company. This can be negative in some circumstances. </p> <p> It seems that insiders own more than half the X Financial stock. This gives them a lot of power.   So they have a US$133m stake in this US$249m business.  Most would be pleased to see the board is investing alongside them. You may wish todiscover <strong>(for free)</strong> if they have been buying or selling.  </p> <h2>General Public Ownership</h2><p> With a 36% ownership, the general public, mostly comprising of individual investors, have some degree of sway over X Financial.  This size of ownership, while considerable, may not be enough to change company policy if the decision is not in sync with other large shareholders. </p> <h2>Private Company Ownership</h2><p> Our data indicates that Private Companies hold 5.5%, of the company's shares.   Private companies may be related parties. Sometimes insiders have an interest in a public company through a holding in a private company, rather than in their own capacity as an individual. While it's hard to draw any broad stroke conclusions, it is worth noting as an area for further research.  </p> <h2>Next Steps:</h2><p> I find it very interesting to look at who exactly owns a company. But to truly gain insight, we need to consider other information, too.    Consider risks, for instance. Every company has them, and we've spotted  <strong> 2 warning signs for X Financial </strong>  you should know about.    </p> <p> If you would prefer check out another company -- one with potentially superior financials -- then do not miss this <strong>free</strong> list of interesting companies, backed by strong financial data. </p> <p><small>NB: Figures in this article are calculated using data from the last twelve months, which refer to the 12-month period ending on the last date of the month the financial statement is dated. This may not be consistent with full year annual report figures.</small></p><div><p>Mobile Infrastructure for Defense and Disaster</p><p>The next wave in robotics isn't humanoid. Its fully autonomous towers delivering 5G, ISR, and radar in under 30 minutes, anywhere.</p><p>Get the investor briefing before the next round of contracts</p><p><span>Sponsored On Behalf of CiTech</span></p></div></div></div>

<p>X Financial (NYSE:XYF) CEO Yue Tang's holdings have lost 10% of their value after a recent stock decline. Insiders, who own 54% of the company, faced significant losses. Institutional investors hold less than 5% of the company, while the general public owns 36%. The top 3 shareholders control over half of the shares, giving them considerable influence. The company's future performance may attract more institutional investors.</p>

After the recent decline, X Financial (NYSE:XYF) CEO Yue Tang's holdings have lost 10% of their value