X Financial (XYF)
NYSE: XYF · Real-Time Price · USD
5.53
-0.01 (-0.18%)
At close: Sep 2, 2026, 4:00 PM EDT
5.30
-0.23 (-4.16%)
Pre-market: Sep 3, 2026, 4:00 AM 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 | Sep '26 Sep 2, 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 |
| 213 | 236 | 395 | 176 | 166 | 165 | |
Market Cap Growth | -66.80% | -40.15% | 124.11% | 6.38% | 0.33% | 54.30% |
Enterprise Value | 109 | 196 | 312 | 63 | 93 | 28 |
Last Close Price | 5.53 | 5.29 | 7.61 | 3.10 | 2.46 | 2.45 |
Price Ratios
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 2, 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 | 2.60 | 1.13 | 1.87 | 1.05 | 1.41 | 1.27 |
Forward PE | - | 3.46 | 3.46 | 3.46 | 3.46 | 3.46 |
PS Ratio | 0.26 | 0.22 | 0.49 | 0.26 | 0.32 | 0.29 |
PB Ratio | 0.18 | 0.21 | 0.42 | 0.21 | 0.24 | 0.26 |
P/TBV Ratio | 0.19 | 0.21 | 0.42 | 0.22 | 0.24 | 0.27 |
P/FCF Ratio | 0.99 | 1.14 | 1.91 | 0.90 | 1.84 | 2.35 |
P/OCF Ratio | - | 1.13 | 1.89 | 0.90 | 1.82 | 2.34 |
PEG Ratio | - | 1.76 | 1.76 | 1.76 | 1.76 | 1.76 |
EV Ratios
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 2, 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 | 0.13 | 0.18 | 0.39 | 0.09 | 0.18 | 0.05 |
EV/EBITDA Ratio | 0.25 | 0.28 | 0.62 | 0.15 | 0.34 | 0.14 |
EV/EBIT Ratio | 0.25 | 0.28 | 0.62 | 0.15 | 0.34 | 0.14 |
EV/FCF Ratio | 0.51 | 0.95 | 1.51 | 0.32 | 1.04 | 0.40 |
Financial Efficiency
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 2, 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 | 0.06 | 0.06 | 0.05 | 0.11 | 0.03 | 0.05 |
Debt / EBITDA Ratio | 0.14 | 0.09 | 0.10 | 0.21 | 0.07 | 0.14 |
Debt / FCF Ratio | - | 0.32 | 0.24 | 0.45 | 0.21 | 0.43 |
Net Debt / Equity Ratio | -0.09 | -0.07 | -0.09 | -0.10 | -0.10 | -0.10 |
Net Debt / EBITDA Ratio | -0.24 | -0.11 | -0.17 | -0.20 | -0.25 | -0.30 |
Net Debt / FCF Ratio | - | -0.37 | -0.41 | -0.42 | -0.76 | -0.88 |
Asset Turnover | 0.43 | 0.58 | 0.50 | 0.47 | 0.44 | 0.49 |
Quick Ratio | 1.32 | 1.69 | 1.36 | 1.41 | 1.43 | 0.98 |
Current Ratio | 4.40 | 5.05 | 4.73 | 5.10 | 6.39 | 4.59 |
Return on Equity (ROE) | 7.28% | 19.80% | 24.06% | 22.39% | 18.60% | 23.41% |
Return on Assets (ROA) | 14.16% | 22.83% | 19.71% | 17.54% | 14.69% | 10.96% |
Return on Invested Capital (ROIC) | 30.77% | 59.13% | 50.48% | 49.36% | 32.50% | 28.52% |
Return on Capital Employed (ROCE) | 28.70% | 39.60% | 38.60% | 29.90% | 25.00% | 21.80% |
Yields
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 2, 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 | 38.94% | 88.58% | 53.42% | 94.97% | 71.07% | 78.70% |
FCF Yield | 101.01% | 87.44% | 52.35% | 110.67% | 54.33% | 42.58% |
Dividend Yield | 10.13% | 10.59% | 5.52% | 5.42% | - | - |
Payout Ratio | 25.55% | 10.57% | 7.57% | 4.92% | - | - |
Buyback Yield / Dilution | 14.93% | 14.95% | -0.87% | 9.79% | 4.30% | -4.87% |
Total Shareholder Return | 25.06% | 25.54% | 4.65% | 15.21% | 4.30% | -4.87% |