X Financial (XYF)
NYSE: XYF · Real-Time Price · USD
5.56
+0.32 (6.11%)
At close: Aug 13, 2026, 4:00 PM EDT
5.57
+0.01 (0.18%)
After-hours: Aug 13, 2026, 7:34 PM EDT
X Financial Ratios and Metrics
Market cap in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Total Valuation
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Aug '26 Aug 13, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
| 214 | 219 | 348 | 1,074 | 870 | 165 | |
Market Cap Growth | -62.89% | -37.11% | -67.61% | 23.56% | 426.67% | -74.45% |
Enterprise Value | 122.16 | 136.26 | 258.14 | 985.36 | 792.43 | 99.3 |
Last Close Price | 5.56 | 5.60 | 8.33 | 3.66 | 3.02 | 3.01 |
Price Ratios
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Aug '26 Aug 13, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 1.49 | 1.11 | 1.93 | 1.06 | 1.38 | 1.30 |
Forward PE | - | 3.46 | 3.46 | 3.46 | 3.46 | 3.46 |
PEG Ratio | - | 1.76 | 1.76 | 1.76 | 1.76 | 1.76 |
PS Ratio | 0.21 | 0.20 | 0.43 | 1.58 | 1.68 | 0.29 |
PB Ratio | 0.19 | 0.20 | 0.37 | 1.30 | 1.26 | 0.26 |
P/TBV Ratio | 0.03 | 0.03 | 0.06 | 0.03 | 0.03 | 0.04 |
P/FCF Ratio | 1.00 | 1.06 | 1.68 | 5.50 | 18.94 | 2.35 |
P/OCF Ratio | 0.98 | 1.04 | 1.67 | 5.47 | 18.59 | 2.34 |
EV Ratios
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Aug '26 Aug 13, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
EV/Sales Ratio | 0.12 | 0.12 | 0.32 | 1.45 | 1.53 | 0.17 |
EV/EBITDA Ratio | 0.69 | 0.58 | 1.00 | 4.75 | 4.48 | 0.48 |
EV/EBIT Ratio | 0.69 | 0.58 | 1.01 | 4.77 | 4.50 | 0.48 |
EV/FCF Ratio | 0.57 | 0.66 | 1.25 | 5.04 | 17.26 | 1.41 |
Financial Efficiency
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Aug '26 Aug 13, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Debt / Equity Ratio | 0.05 | 0.05 | 0.05 | 0.10 | 0.01 | 0.04 |
Debt / EBITDA Ratio | 0.30 | 0.25 | 0.18 | 0.39 | 0.06 | 0.13 |
Debt / FCF Ratio | - | 0.28 | 0.22 | 0.41 | 0.22 | 0.37 |
Net Debt / Equity Ratio | -0.09 | -0.07 | -0.09 | -0.11 | -0.11 | -0.10 |
Net Debt / EBITDA Ratio | -0.56 | -0.35 | -0.35 | -0.43 | -0.44 | -0.32 |
Net Debt / FCF Ratio | - | -0.40 | -0.43 | -0.46 | -1.68 | -0.94 |
Asset Turnover | 0.49 | 0.58 | 0.50 | 0.47 | 0.44 | 0.49 |
Quick Ratio | 1.37 | 1.40 | 1.64 | 1.36 | 1.41 | 1.26 |
Current Ratio | 1.86 | 1.83 | 2.20 | 1.80 | 1.97 | 1.89 |
Return on Equity (ROE) | 13.38% | 19.80% | 24.06% | 22.39% | 18.60% | 23.41% |
Return on Assets (ROA) | 6.90% | 10.26% | 12.55% | 11.74% | 10.13% | 12.20% |
Return on Invested Capital (ROIC) | 13.58% | 20.04% | 25.58% | 25.47% | 21.07% | 29.01% |
Return on Capital Employed (ROCE) | 15.13% | 21.75% | 28.91% | 27.28% | 27.60% | 36.97% |
Yields
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Aug '26 Aug 13, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Earnings Yield | 70.71% | 89.89% | 51.81% | 94.49% | 72.58% | 76.84% |
FCF Yield | 100.10% | 94.40% | 59.41% | 18.18% | 5.28% | 42.55% |
Dividend Yield | 10.69% | 9.71% | 3.99% | 4.69% | 0.00% | 0.00% |
Payout Ratio | 14.59% | 10.57% | 7.57% | 4.92% | 0.00% | 0.00% |
Buyback Yield / Dilution | 14.40% | 14.95% | -0.87% | 9.79% | 4.30% | -4.87% |
Total Shareholder Return | 25.09% | 24.67% | 3.12% | 14.49% | 4.30% | -4.87% |