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X Financial (XYF)

Stock Price: $0.840 USD -0.040 (-4.55%)
Updated Oct 23, 2020 4:00 PM EDT - Market closed
After-hours: $0.844 +0.004 (0.48%) Oct 23, 7:52 PM

Stock Price Chart

Key Info

Market Cap 93.69M
Revenue (ttm) 441.15M
Net Income (ttm) 774.28M
Shares Out 111.53M
EPS (ttm) 0.81
PE Ratio 1.04
Forward PE n/a
Dividend $0.10
Dividend Yield 11.90%

Stock Quote

Trading Day Oct 23, 2020
Last Price $0.840
Previous Close $0.880
Change ($) -0.040
Change (%) -4.55%
Day's Open 0.810
Day's Range 0.810 - 0.900
Day's Volume 265,804
52-Week Range 0.470 - 2.170

More Stats

Market Cap 93.69M
Enterprise Value -123.50M
Earnings Date (est) Nov 23, 2020
Ex-Dividend Date n/a
Shares Outstanding 111.53M
Float n/a
EPS (basic) n/a
EPS (diluted) 0.81
FCF / Share 0.53
Dividend $0.10
Dividend Yield 11.90%
Earnings Yield 96.43%
FCF Yield 89.28%
Payout Ratio 14.20%
Shares Short 31,137
Short Ratio 0.41
Short % of Float n/a
Beta 0.96
PE Ratio 1.04
Forward PE n/a
P/FCF Ratio 1.12
PS Ratio 0.21
PB Ratio 0.18
Revenue 441.15M
Operating Income 116.08M
Net Income 774.28M
Free Cash Flow 83.65M
Net Cash 217.19M
Net Cash / Share 1.95
Gross Margin 100.00%
Operating Margin 26.31%
Profit Margin 25.10%
FCF Margin 18.96%
ROA -0.97%
ROE -7.35%
ROIC 13.30%
Key stats in USD, based on trailing-twelve-month (ttm) numbers.

Analyst Summary

Analyst Ratings (0)

Buy 0
Overweight 0
Hold 0
Underweight 0
Sell 0

Analyst Consensus: n/a

Price Target

$1.70*
Low
1.70
Current: $0.840
High
1.70
Target: 1.70
*Average 12-month USD price target from 1 stock analysts.

Financial Performance

Financial numbers in millions CNY.

Financial Overview

Year2019201820172016
Revenue3,0883,5411,787230
Revenue Growth-12.78%98.14%675.9%-
Gross Profit3,0883,5411,787230
Operating Income8131,275502-137
Net Income774883340-120
Shares Outstanding314287261238
Earnings Per Share4.845.822.44-1.00
EPS Growth-16.84%138.52%--
Dividend Per Share0.10---
Operating Cash Flow6015.35-61582.57
Capital Expenditures-15.03-38.63-20.64-3.42
Free Cash Flow586-33.27-63679.15
Cash & Equivalents1,5201,278684505
Total Debt-198--
Net Cash / Debt1,5201,080684505
Assets8,2814,6373,8881,681
Liabilities3,9141,1192,1221,304
Book Value4,3663,5171,762373
Numbers in millions CNY, except per-share numbers.

Company Profile

Company Details

Full Name X Financial
Country China
Employees 693
CEO Yue Tang

Stock Information

Ticker Symbol XYF
Stock Exchange New York Stock Exchange
Sector Financial Services
Industry Credit Services
Unique Identifier NYSE: XYF
IPO Date September 18, 2018

Description

X Financial provides personal finance services in the People's Republic of China. The company offers services as an online marketplace connecting borrowers and investors. Its loan product is Xiaoying credit loan, which consists of Xiaoying card loan catering to the credit card holders and Xiaoying preferred loan to small business owners. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as loans, money market, and insurance products; and loan facilitation services to other platforms. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.