X Financial (XYF)
NYSE: XYF · Real-Time Price · USD
4.310
-0.070 (-1.60%)
At close: Apr 10, 2026, 4:00 PM EDT
4.280
-0.030 (-0.70%)
After-hours: Apr 10, 2026, 7:00 PM EDT

X Financial Ratios and Metrics

Millions USD. Fiscal year is Jan - Dec.
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Apr '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
182236395176166165
Market Cap Growth
-70.48%-40.15%124.11%6.38%0.33%54.30%
Enterprise Value
104196312639328
Last Close Price
4.315.608.053.282.612.60
PE Ratio
0.861.131.871.051.411.27
Forward PE
-3.463.463.463.463.46
PS Ratio
0.170.220.490.260.320.29
PB Ratio
0.150.210.420.210.240.26
P/TBV Ratio
0.160.210.420.220.240.27
P/FCF Ratio
--1.910.901.842.35
P/OCF Ratio
--1.890.901.822.34
PEG Ratio
-1.761.761.761.761.76
EV/Sales Ratio
0.100.180.390.090.180.05
EV/EBITDA Ratio
0.150.280.620.150.340.14
EV/EBIT Ratio
0.150.280.620.150.340.14
EV/FCF Ratio
--1.510.321.040.40
Debt / Equity Ratio
0.060.060.050.110.030.05
Debt / EBITDA Ratio
0.090.090.100.210.070.14
Debt / FCF Ratio
--0.240.450.210.43
Net Debt / Equity Ratio
-0.07-0.07-0.09-0.10-0.10-0.10
Net Debt / EBITDA Ratio
-0.11-0.11-0.17-0.20-0.25-0.30
Net Debt / FCF Ratio
---0.41-0.42-0.76-0.88
Asset Turnover
0.580.580.500.470.440.49
Quick Ratio
1.691.691.361.411.430.98
Current Ratio
5.035.034.735.106.394.59
Return on Equity (ROE)
19.80%19.80%24.06%22.39%18.60%23.41%
Return on Assets (ROA)
22.83%22.83%19.71%17.54%14.69%10.96%
Return on Invested Capital (ROIC)
54.01%59.18%50.48%49.36%32.50%28.52%
Return on Capital Employed (ROCE)
39.60%39.60%38.60%29.90%25.00%21.80%
Earnings Yield
115.10%88.58%53.42%94.97%71.07%78.70%
FCF Yield
--52.35%110.67%54.33%42.58%
Dividend Yield
13.00%10.01%5.21%5.12%--
Payout Ratio
10.21%-7.57%4.92%--
Buyback Yield / Dilution
14.95%14.95%-0.87%9.79%4.30%-4.87%
Total Shareholder Return
27.95%24.96%4.35%14.92%4.30%-4.87%
Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.
SEC Filings: 10-K · 10-Q