X Financial Statistics
Total Valuation
X Financial has a market cap or net worth of $181.92 million. The enterprise value is $104.25 million.
Important Dates
The next estimated earnings date is Monday, May 18, 2026, after market close.
| Earnings Date | May 18, 2026 |
| Ex-Dividend Date | Apr 30, 2026 |
Share Statistics
X Financial has 42.21 million shares outstanding. The number of shares has decreased by -14.95% in one year.
| Current Share Class | n/a |
| Shares Outstanding | 42.21M |
| Shares Change (YoY) | -14.95% |
| Shares Change (QoQ) | -5.17% |
| Owned by Insiders (%) | 54.15% |
| Owned by Institutions (%) | 5.43% |
| Float | 17.04M |
Valuation Ratios
The trailing PE ratio is 0.86.
| PE Ratio | 0.86 |
| Forward PE | n/a |
| PS Ratio | 0.17 |
| Forward PS | n/a |
| PB Ratio | 0.15 |
| 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 | 0.50 |
| EV / Sales | 0.10 |
| EV / EBITDA | 0.15 |
| EV / EBIT | 0.15 |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 5.03, with a Debt / Equity ratio of 0.06.
| Current Ratio | 5.03 |
| Quick Ratio | 1.68 |
| Debt / Equity | 0.06 |
| Debt / EBITDA | 0.09 |
| Debt / FCF | n/a |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 19.80% and return on invested capital (ROIC) is 54.01%.
| Return on Equity (ROE) | 19.80% |
| Return on Assets (ROA) | 22.83% |
| Return on Invested Capital (ROIC) | 54.01% |
| Return on Capital Employed (ROCE) | 39.60% |
| Weighted Average Cost of Capital (WACC) | 5.08% |
| Revenue Per Employee | $1.94M |
| Profits Per Employee | $371,917 |
| Employee Count | 563 |
| Asset Turnover | 0.58 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, X Financial has paid $41.70 million in taxes.
| Income Tax | 41.70M |
| Effective Tax Rate | 16.61% |
Stock Price Statistics
The stock price has decreased by -65.24% in the last 52 weeks. The beta is 0.47, so X Financial's price volatility has been lower than the market average.
| Beta (5Y) | 0.47 |
| 52-Week Price Change | -65.24% |
| 50-Day Moving Average | 4.77 |
| 200-Day Moving Average | 10.23 |
| Relative Strength Index (RSI) | 45.85 |
| Average Volume (20 Days) | 209,077 |
Short Selling Information
The latest short interest is 133,058, so 1.02% of the outstanding shares have been sold short.
| Short Interest | 133,058 |
| Short Previous Month | 140,751 |
| Short % of Shares Out | 1.02% |
| Short % of Float | n/a |
| Short Ratio (days to cover) | 1.20 |
Income Statement
In the last 12 months, X Financial had revenue of $1.09 billion and earned $209.39 million in profits. Earnings per share was $5.04.
| Revenue | 1.09B |
| Gross Profit | 754.70M |
| Operating Income | 691.47M |
| Pretax Income | 251.09M |
| Net Income | 209.39M |
| EBITDA | 692.50M |
| EBIT | 691.47M |
| Earnings Per Share (EPS) | $5.04 |
Full Income StatementBalance Sheet
The company has $141.20 million in cash and $63.53 million in debt, with a net cash position of $77.68 million or $1.84 per share.
| Cash & Cash Equivalents | 141.20M |
| Total Debt | 63.53M |
| Net Cash | 77.68M |
| Net Cash Per Share | $1.84 |
| Equity (Book Value) | 1.12B |
| Book Value Per Share | 28.79 |
| Working Capital | 1.41B |
Full Balance SheetCash Flow
| Operating Cash Flow | n/a |
| Capital Expenditures | n/a |
| Depreciation & Amortization | 1.05M |
| Net Borrowing | n/a |
| Free Cash Flow | n/a |
| FCF Per Share | n/a |
Full Cash Flow StatementMargins
Gross margin is 69.10%, with operating and profit margins of 63.31% and 19.17%.
| Gross Margin | 69.10% |
| Operating Margin | 63.31% |
| Pretax Margin | 22.99% |
| Profit Margin | 19.17% |
| EBITDA Margin | 63.40% |
| EBIT Margin | 63.31% |
| FCF Margin | n/a |
Dividends & Yields
This stock pays an annual dividend of $0.56, which amounts to a dividend yield of 13.00%.
| Dividend Per Share | $0.56 |
| Dividend Yield | 13.00% |
| Dividend Growth (YoY) | 58.64% |
| Years of Dividend Growth | 2 |
| Payout Ratio | 10.21% |
| Buyback Yield | 14.95% |
| Shareholder Yield | 27.96% |
| Earnings Yield | 115.10% |
| 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 3.29 and a Piotroski F-Score of 5.
| Altman Z-Score | 3.29 |
| Piotroski F-Score | 5 |
