X Financial Statistics

Total Valuation

X Financial has a market cap or net worth of $681.31 million. The enterprise value is $595.19 million.

Market Cap	681.31M
Enterprise Value	595.19M

Important Dates

The next estimated earnings date is Thursday, May 29, 2025, after market close.

Earnings Date	May 29, 2025
Ex-Dividend Date	Sep 4, 2024

Share Statistics

X Financial has 47.41 million shares outstanding. The number of shares has increased by 0.87% in one year.

Current Share Class	n/a
Shares Outstanding	47.41M
Shares Change (YoY)	+0.87%
Shares Change (QoQ)	-1.30%
Owned by Insiders (%)	54.74%
Owned by Institutions (%)	1.41%
Float	21.46M

Valuation Ratios

The trailing PE ratio is 3.33.

PE Ratio	3.33
Forward PE	n/a
PS Ratio	0.86
Forward PS	n/a
PB Ratio	0.71
P/TBV Ratio	0.72
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	2.82
EV / Sales	0.74
EV / EBITDA	1.17
EV / EBIT	1.17
EV / FCF	n/a

Financial Position

The company has a current ratio of 4.70, with a Debt / Equity ratio of 0.05.

Current Ratio	4.70
Quick Ratio	1.35
Debt / Equity	0.05
Debt / EBITDA	0.10
Debt / FCF	n/a
Interest Coverage	6,607.69

Financial Efficiency

Return on equity (ROE) is 24.06% and return on invested capital (ROIC) is 33.59%.

Return on Equity (ROE)	24.06%
Return on Assets (ROA)	19.71%
Return on Invested Capital (ROIC)	33.59%
Return on Capital Employed (ROCE)	38.61%
Revenue Per Employee	$1.54M
Profits Per Employee	$404,937
Employee Count	521
Asset Turnover	0.50
Inventory Turnover	n/a

Taxes

In the past 12 months, X Financial has paid $55.58 million in taxes.

Income Tax	55.58M
Effective Tax Rate	20.85%

Stock Price Statistics

The stock price has increased by +269.05% in the last 52 weeks. The beta is -0.09, so X Financial's price volatility has been lower than the market average.

Beta (5Y)	-0.09
52-Week Price Change	+269.05%
50-Day Moving Average	11.95
200-Day Moving Average	7.68
Relative Strength Index (RSI)	59.96
Average Volume (20 Days)	332,015

Short Selling Information

Short Interest	127,829
Short Previous Month	3,648
Short % of Shares Out	0.60%
Short % of Float	n/a
Short Ratio (days to cover)	0.49

Income Statement

In the last 12 months, X Financial had revenue of $804.45 million and earned $210.97 million in profits. Earnings per share was $4.32.

Revenue	804.45M
Gross Profit	535.95M
Operating Income	506.96M
Pretax Income	213.12M
Net Income	210.97M
EBITDA	507.68M
EBIT	506.96M
Earnings Per Share (EPS)	$4.32

Full Income Statement

Balance Sheet

The company has $134.89 million in cash and $48.78 million in debt, giving a net cash position of $86.12 million or $1.82 per share.

Cash & Cash Equivalents	134.89M
Total Debt	48.78M
Net Cash	86.12M
Net Cash Per Share	$1.82
Equity (Book Value)	952.60M
Book Value Per Share	20.28
Working Capital	1.13B

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 66.62%, with operating and profit margins of 63.02% and 26.23%.

Gross Margin	66.62%
Operating Margin	63.02%
Pretax Margin	33.13%
Profit Margin	26.23%
EBITDA Margin	63.11%
EBIT Margin	63.02%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.34, which amounts to a dividend yield of 2.37%.

Dividend Per Share	$0.34
Dividend Yield	2.37%
Dividend Growth (YoY)	100.00%
Years of Dividend Growth	1
Payout Ratio	7.88%
Buyback Yield	-0.87%
Shareholder Yield	1.51%
Earnings Yield	30.97%
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 3.08 and a Piotroski F-Score of 4.

Altman Z-Score	3.08
Piotroski F-Score	4