X Financial (XYF)

X Financial Statistics

Total Valuation

X Financial has a market cap or net worth of $617.10 million. The enterprise value is $509.92 million.

Market Cap	617.10M
Enterprise Value	509.92M

Important Dates

The next estimated earnings date is Wednesday, November 26, 2025, before market open.

Earnings Date	Nov 26, 2025
Ex-Dividend Date	Sep 26, 2025

Share Statistics

X Financial has 42.21 million shares outstanding. The number of shares has decreased by -6.34% in one year.

Current Share Class	n/a
Shares Outstanding	42.21M
Shares Change (YoY)	-6.34%
Shares Change (QoQ)	+1.18%
Owned by Insiders (%)	54.40%
Owned by Institutions (%)	4.31%
Float	16.93M

Valuation Ratios

The trailing PE ratio is 2.68.

PE Ratio	2.68
Forward PE	n/a
PS Ratio	0.61
Forward PS	n/a
PB Ratio	0.55
P/TBV Ratio	0.57
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	2.09
EV / Sales	0.49
EV / EBITDA	0.70
EV / EBIT	0.70
EV / FCF	n/a

Financial Position

The company has a current ratio of 4.44, with a Debt / Equity ratio of 0.05.

Current Ratio	4.44
Quick Ratio	1.55
Debt / Equity	0.05
Debt / EBITDA	0.08
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 24.31% and return on invested capital (ROIC) is 42.34%.

Return on Equity (ROE)	24.31%
Return on Assets (ROA)	25.25%
Return on Invested Capital (ROIC)	42.34%
Return on Capital Employed (ROCE)	47.57%
Revenue Per Employee	$1.86M
Profits Per Employee	$433,304
Employee Count	563
Asset Turnover	0.58
Inventory Turnover	n/a

Taxes

In the past 12 months, X Financial has paid $66.78 million in taxes.

Income Tax	66.78M
Effective Tax Rate	21.49%

Stock Price Statistics

The stock price has increased by +77.64% in the last 52 weeks. The beta is 0.12, so X Financial's price volatility has been lower than the market average.

Beta (5Y)	0.12
52-Week Price Change	+77.64%
50-Day Moving Average	14.27
200-Day Moving Average	13.40
Relative Strength Index (RSI)	53.26
Average Volume (20 Days)	171,909

Short Selling Information

Short Interest	256,925
Short Previous Month	172,422
Short % of Shares Out	1.72%
Short % of Float	n/a
Short Ratio (days to cover)	0.60

Income Statement

In the last 12 months, X Financial had revenue of $1.05 billion and earned $243.95 million in profits. Earnings per share was $5.32.

Revenue	1.05B
Gross Profit	760.04M
Operating Income	723.73M
Pretax Income	310.73M
Net Income	243.95M
EBITDA	724.87M
EBIT	723.73M
Earnings Per Share (EPS)	$5.32

Balance Sheet

The company has $160.95 million in cash and $58.83 million in debt, giving a net cash position of $102.12 million or $2.42 per share.

Cash & Cash Equivalents	160.95M
Total Debt	58.83M
Net Cash	102.12M
Net Cash Per Share	$2.42
Equity (Book Value)	1.08B
Book Value Per Share	25.71
Working Capital	1.34B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross margin is 72.58%, with operating and profit margins of 69.11% and 23.30%.

Gross Margin	72.58%
Operating Margin	69.11%
Pretax Margin	29.67%
Profit Margin	23.30%
EBITDA Margin	69.22%
EBIT Margin	69.11%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.56, which amounts to a dividend yield of 3.83%.

Dividend Per Share	$0.56
Dividend Yield	3.83%
Dividend Growth (YoY)	58.64%
Years of Dividend Growth	1
Payout Ratio	9.66%
Buyback Yield	6.34%
Shareholder Yield	10.20%
Earnings Yield	39.86%
FCF Yield	n/a

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on November 19, 2020. It was a reverse split with a ratio of 1:3.

Last Split Date	Nov 19, 2020
Split Type	Reverse
Split Ratio	1:3

Scores

X Financial has an Altman Z-Score of 3.47 and a Piotroski F-Score of 4.

Altman Z-Score	3.47
Piotroski F-Score	4