X Financial Statistics

Total Valuation

X Financial has a market cap or net worth of $393.04 million. The enterprise value is $310.39 million.

Market Cap	393.04M
Enterprise Value	310.39M

Important Dates

The last earnings date was Tuesday, November 26, 2024, after market close.

Earnings Date	Nov 26, 2024
Ex-Dividend Date	Sep 4, 2024

Share Statistics

X Financial has 49.44 million shares outstanding. The number of shares has increased by 2.40% in one year.

Current Share Class	n/a
Shares Outstanding	49.44M
Shares Change (YoY)	+2.40%
Shares Change (QoQ)	-2.70%
Owned by Insiders (%)	52.49%
Owned by Institutions (%)	1.28%
Float	23.49M

Valuation Ratios

The trailing PE ratio is 2.05.

PE Ratio	2.05
Forward PE	n/a
PS Ratio	0.51
Forward PS	n/a
PB Ratio	0.39
P/TBV Ratio	0.40
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	1.62
EV / Sales	0.41
EV / EBITDA	1.20
EV / EBIT	1.20
EV / FCF	n/a

Financial Position

The company has a current ratio of 4.87, with a Debt / Equity ratio of 0.07.

Current Ratio	4.87
Quick Ratio	1.34
Debt / Equity	0.07
Debt / EBITDA	0.25
Debt / FCF	n/a
Interest Coverage	242.23

Financial Efficiency

Return on equity (ROE) is 21.30% and return on invested capital (ROIC) is 16.57%.

Return on Equity (ROE)	21.30%
Return on Assets (ROA)	9.95%
Return on Capital (ROIC)	16.57%
Revenue Per Employee	$1.47M
Profits Per Employee	$367,555
Employee Count	521
Asset Turnover	0.47
Inventory Turnover	n/a

Taxes

In the past 12 months, X Financial has paid $41.43 million in taxes.

Income Tax	41.43M
Effective Tax Rate	17.79%

Stock Price Statistics

The stock price has increased by +116.62% in the last 52 weeks. The beta is 0.36, so X Financial's price volatility has been lower than the market average.

Beta (5Y)	0.36
52-Week Price Change	+116.62%
50-Day Moving Average	6.93
200-Day Moving Average	5.07
Relative Strength Index (RSI)	58.07
Average Volume (20 Days)	45,238

Short Selling Information

Short Interest	19,263
Short Previous Month	44,297
Short % of Shares Out	0.09%
Short % of Float	n/a
Short Ratio (days to cover)	0.96

Income Statement

In the last 12 months, X Financial had revenue of $763.52 million and earned $191.50 million in profits. Earnings per share was $3.88.

Revenue	763.52M
Gross Profit	292.68M
Operating Income	258.47M
Pretax Income	213.12M
Net Income	191.50M
EBITDA	259.07M
EBIT	258.47M
Earnings Per Share (EPS)	$3.88

Full Income Statement

Balance Sheet

The company has $148.86 million in cash and $66.21 million in debt, giving a net cash position of $82.65 million or $1.67 per share.

Cash & Cash Equivalents	148.86M
Total Debt	66.21M
Net Cash	82.65M
Net Cash Per Share	$1.67
Equity (Book Value)	983.19M
Book Value Per Share	20.64
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 38.33%, with operating and profit margins of 33.85% and 25.08%.

Gross Margin	38.33%
Operating Margin	33.85%
Pretax Margin	30.51%
Profit Margin	25.08%
EBITDA Margin	33.93%
EBIT Margin	33.85%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.34, which amounts to a dividend yield of 4.28%.

Dividend Per Share	$0.34
Dividend Yield	4.28%
Dividend Growth (YoY)	100.00%
Years of Dividend Growth	n/a
Payout Ratio	8.77%
Buyback Yield	-2.40%
Shareholder Yield	1.88%
Earnings Yield	48.72%
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 2.44 and a Piotroski F-Score of 4. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	2.44
Piotroski F-Score	4