X Financial Statistics
Total Valuation
X Financial has a market cap or net worth of $505.67 million. The enterprise value is $403.55 million.
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 (%) | 4.30% |
| Float | 16.93M |
Valuation Ratios
The trailing PE ratio is 2.25.
| PE Ratio | 2.25 |
| Forward PE | n/a |
| PS Ratio | 0.51 |
| Forward PS | n/a |
| PB Ratio | 0.47 |
| P/TBV Ratio | 0.47 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | n/a |
Financial Ratio History Enterprise Valuation
| EV / Earnings | 1.65 |
| EV / Sales | 0.39 |
| EV / EBITDA | 0.56 |
| EV / EBIT | 0.56 |
| 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 +80.97% 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 | +80.97% |
| 50-Day Moving Average | 14.03 |
| 200-Day Moving Average | 13.78 |
| Relative Strength Index (RSI) | 32.77 |
| Average Volume (20 Days) | 184,144 |
Short Selling Information
| Short Interest | 253,732 |
| Short Previous Month | 256,925 |
| Short % of Shares Out | 1.70% |
| Short % of Float | n/a |
| Short Ratio (days to cover) | 1.45 |
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 |
Full Income Statement 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 |
Full Balance Sheet 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 4.68%.
| Dividend Per Share | $0.56 |
| Dividend Yield | 4.68% |
| Dividend Growth (YoY) | 58.64% |
| Years of Dividend Growth | 1 |
| Payout Ratio | 9.66% |
| Buyback Yield | 6.34% |
| Shareholder Yield | 11.02% |
| Earnings Yield | 48.24% |
| 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 |
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 |