X Financial Statistics
Total Valuation
X Financial has a market cap or net worth of $180.70 million. The enterprise value is $138.75 million.
Important Dates
The next confirmed earnings date is Thursday, March 26, 2026, before market open.
| Earnings Date | Mar 26, 2026 |
| Ex-Dividend Date | Sep 26, 2025 |
Share Statistics
X Financial has 40.88 million shares outstanding. The number of shares has decreased by -10.76% in one year.
| Current Share Class | n/a |
| Shares Outstanding | 40.88M |
| Shares Change (YoY) | -10.76% |
| Shares Change (QoQ) | -4.80% |
| Owned by Insiders (%) | 51.97% |
| Owned by Institutions (%) | 5.44% |
| Float | 17.96M |
Valuation Ratios
The trailing PE ratio is 0.77.
| PE Ratio | 0.77 |
| Forward PE | n/a |
| PS Ratio | 0.16 |
| Forward PS | n/a |
| PB Ratio | 0.16 |
| P/TBV Ratio | 0.16 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 0.55 |
| EV / Sales | 0.13 |
| EV / EBITDA | 0.18 |
| EV / EBIT | 0.19 |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 4.51, with a Debt / Equity ratio of 0.08.
| Current Ratio | 4.51 |
| Quick Ratio | 1.44 |
| Debt / Equity | 0.08 |
| Debt / EBITDA | 0.11 |
| Debt / FCF | n/a |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 24.19% and return on invested capital (ROIC) is 58.09%.
| Return on Equity (ROE) | 24.19% |
| Return on Assets (ROA) | 25.35% |
| Return on Invested Capital (ROIC) | 58.09% |
| Return on Capital Employed (ROCE) | 44.71% |
| Weighted Average Cost of Capital (WACC) | 4.29% |
| Revenue Per Employee | $1.97M |
| Profits Per Employee | $447,345 |
| Employee Count | 563 |
| Asset Turnover | 0.60 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, X Financial has paid $64.37 million in taxes.
| Income Tax | 64.37M |
| Effective Tax Rate | 20.36% |
Stock Price Statistics
The stock price has decreased by -66.41% in the last 52 weeks. The beta is 0.38, so X Financial's price volatility has been lower than the market average.
| Beta (5Y) | 0.38 |
| 52-Week Price Change | -66.41% |
| 50-Day Moving Average | 5.27 |
| 200-Day Moving Average | 11.21 |
| Relative Strength Index (RSI) | 34.02 |
| Average Volume (20 Days) | 123,058 |
Short Selling Information
The latest short interest is 156,503, so 1.19% of the outstanding shares have been sold short.
| Short Interest | 156,503 |
| Short Previous Month | 116,569 |
| Short % of Shares Out | 1.19% |
| Short % of Float | n/a |
| Short Ratio (days to cover) | 0.83 |
Income Statement
In the last 12 months, X Financial had revenue of $1.11 billion and earned $251.86 million in profits. Earnings per share was $5.72.
| Revenue | 1.11B |
| Gross Profit | 794.23M |
| Operating Income | 749.47M |
| Pretax Income | 316.23M |
| Net Income | 251.86M |
| EBITDA | 750.69M |
| EBIT | 749.47M |
| Earnings Per Share (EPS) | $5.72 |
Full Income StatementBalance Sheet
The company has $125.13 million in cash and $84.81 million in debt, with a net cash position of $40.32 million or $0.99 per share.
| Cash & Cash Equivalents | 125.13M |
| Total Debt | 84.81M |
| Net Cash | 40.32M |
| Net Cash Per Share | $0.99 |
| Equity (Book Value) | 1.11B |
| Book Value Per Share | 27.98 |
| Working Capital | 1.36B |
Full Balance SheetCash Flow
| Operating Cash Flow | n/a |
| Capital Expenditures | n/a |
| Depreciation & Amortization | 1.26M |
| Net Borrowing | n/a |
| Free Cash Flow | n/a |
| FCF Per Share | n/a |
Full Cash Flow StatementMargins
Gross margin is 71.75%, with operating and profit margins of 67.71% and 22.75%.
| Gross Margin | 71.75% |
| Operating Margin | 67.71% |
| Pretax Margin | 28.57% |
| Profit Margin | 22.75% |
| EBITDA Margin | 67.82% |
| EBIT Margin | 67.71% |
| FCF Margin | n/a |
Dividends & Yields
This stock pays an annual dividend of $0.56, which amounts to a dividend yield of 12.68%.
| Dividend Per Share | $0.56 |
| Dividend Yield | 12.68% |
| Dividend Growth (YoY) | 58.64% |
| Years of Dividend Growth | 2 |
| Payout Ratio | 8.98% |
| Buyback Yield | 10.76% |
| Shareholder Yield | 23.43% |
| Earnings Yield | 140.65% |
| FCF Yield | n/a |
Dividend DetailsAnalyst 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 3.39 and a Piotroski F-Score of 4.
| Altman Z-Score | 3.39 |
| Piotroski F-Score | 4 |
