X Financial Statistics

Total Valuation

X Financial has a market cap or net worth of $326.79 million. The enterprise value is $175.10 million.

Market Cap	326.79M
Enterprise Value	175.10M

Important Dates

The next estimated earnings date is Wednesday, November 20, 2024, after market close.

Earnings Date	Nov 20, 2024
Ex-Dividend Date	Sep 4, 2024

Share Statistics

X Financial has 49.44 million shares outstanding. The number of shares has decreased by -2.03% in one year.

Shares Outstanding	49.44M
Shares Change (YoY)	-2.03%
Shares Change (QoQ)	+1.20%
Owned by Insiders (%)	52.49%
Owned by Institutions (%)	1.41%
Float	23.49M

Valuation Ratios

The trailing PE ratio is 1.79.

PE Ratio	1.79
Forward PE	n/a
PS Ratio	0.45
Forward PS	n/a
PB Ratio	0.35
P/FCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	0.97
EV / Sales	0.25
EV / EBITDA	0.77
EV / EBIT	0.78
EV / FCF	n/a

Financial Position

The company has a current ratio of 5.35, with a Debt / Equity ratio of 0.08.

Current Ratio	5.35
Quick Ratio	1.60
Debt / Equity	0.08
Debt / EBITDA	0.31
Debt / FCF	n/a
Interest Coverage	102.28

Financial Efficiency

Return on equity (ROE) is 21.85% and return on invested capital (ROIC) is 15.46%.

Return on Equity (ROE)	21.85%
Return on Assets (ROA)	9.15%
Return on Capital (ROIC)	15.46%
Revenue Per Employee	$1.37M
Profits Per Employee	$347,221
Employee Count	521
Asset Turnover	0.46
Inventory Turnover	n/a

Taxes

In the past 12 months, X Financial has paid $36.39 million in taxes.

Income Tax	36.39M
Effective Tax Rate	16.75%

Stock Price Statistics

The stock price has increased by +59.28% in the last 52 weeks. The beta is 0.32, so X Financial's price volatility has been lower than the market average.

Beta (5Y)	0.32
52-Week Price Change	+59.28%
50-Day Moving Average	5.89
200-Day Moving Average	4.57
Relative Strength Index (RSI)	53.27
Average Volume (20 Days)	31,911

Short Selling Information

Short Interest	44,297
Short Previous Month	12,427
Short % of Shares Out	0.21%
Short % of Float	n/a
Short Ratio (days to cover)	0.57

Income Statement

In the last 12 months, X Financial had revenue of $711.46 million and earned $180.90 million in profits. Earnings per share was $3.70.

Revenue	711.46M
Gross Profit	257.06M
Operating Income	225.46M
Pretax Income	213.12M
Net Income	180.90M
EBITDA	226.08M
EBIT	225.46M
Earnings Per Share (EPS)	$3.70

Full Income Statement

Balance Sheet

The company has $221.86 million in cash and $70.16 million in debt, giving a net cash position of $151.69 million or $3.07 per share.

Cash & Cash Equivalents	221.86M
Total Debt	70.16M
Net Cash	151.69M
Net Cash Per Share	$3.07
Equity (Book Value)	915.70M
Book Value Per Share	18.69
Working Capital	1.17B

Full Balance Sheet

Cash Flow

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

Full Cash Flow Statement

Margins

Gross margin is 36.13%, with operating and profit margins of 31.69% and 25.43%.

Gross Margin	36.13%
Operating Margin	31.69%
Pretax Margin	30.54%
Profit Margin	25.43%
EBITDA Margin	31.78%
EBIT Margin	31.69%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.34, which amounts to a dividend yield of 5.14%.

Dividend Per Share	$0.34
Dividend Yield	5.14%
Dividend Growth (YoY)	100.00%
Years of Dividend Growth	n/a
Payout Ratio	9.19%
Buyback Yield	2.03%
Shareholder Yield	7.18%
Earnings Yield	55.36%
FCF Yield	n/a

Dividend Details

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

Stock Splits

The last stock split was on November 19, 2020. It was a reverse split with a ratio of 0.33333:1.

Last Split Date	Nov 19, 2020
Split Type	Reverse
Split Ratio	0.33333:1

Scores

X Financial has an Altman Z-Score of 2.3 and a Piotroski F-Score of 4. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	2.3
Piotroski F-Score	4