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
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 |
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
| Year | 2019 | 2018 | 2017 | 2016 |
|---|
| Revenue | 3,088 | 3,541 | 1,787 | 230 |
| Revenue Growth | -12.78% | 98.14% | 675.9% | - |
| Gross Profit | 3,088 | 3,541 | 1,787 | 230 |
| Operating Income | 813 | 1,275 | 502 | -137 |
| Net Income | 774 | 883 | 340 | -120 |
| Shares Outstanding | 314 | 287 | 261 | 238 |
| Earnings Per Share | 4.84 | 5.82 | 2.44 | -1.00 |
| EPS Growth | -16.84% | 138.52% | - | - |
| Dividend Per Share | 0.10 | - | - | - |
| Operating Cash Flow | 601 | 5.35 | -615 | 82.57 |
| Capital Expenditures | -15.03 | -38.63 | -20.64 | -3.42 |
| Free Cash Flow | 586 | -33.27 | -636 | 79.15 |
| Cash & Equivalents | 1,520 | 1,278 | 684 | 505 |
| Total Debt | - | 198 | - | - |
| Net Cash / Debt | 1,520 | 1,080 | 684 | 505 |
| Assets | 8,281 | 4,637 | 3,888 | 1,681 |
| Liabilities | 3,914 | 1,119 | 2,122 | 1,304 |
| Book Value | 4,366 | 3,517 | 1,762 | 373 |
Numbers in millions CNY, except per-share numbers.
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.