X Financial Statistics
Total Valuation
X Financial has a market cap or net worth of $826.88 million. The enterprise value is $721.30 million.
Important Dates
The last earnings date was Monday, May 19, 2025, after market close.
| Earnings Date | May 19, 2025 |
| Ex-Dividend Date | Jun 20, 2025 |
Share Statistics
X Financial has 42.21 million shares outstanding. The number of shares has decreased by -2.45% in one year.
| Current Share Class | n/a |
| Shares Outstanding | 42.21M |
| Shares Change (YoY) | -2.45% |
| Shares Change (QoQ) | -9.59% |
| Owned by Insiders (%) | 61.52% |
| Owned by Institutions (%) | 2.60% |
| Float | 16.24M |
Valuation Ratios
The trailing PE ratio is 4.12.
| PE Ratio | 4.12 |
| Forward PE | n/a |
| PS Ratio | 1.00 |
| Forward PS | n/a |
| PB Ratio | 0.80 |
| P/TBV Ratio | 0.81 |
| P/FCF Ratio | n/a |
| P/OCF Ratio | n/a |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 3.20 |
| EV / Sales | 0.79 |
| EV / EBITDA | 1.20 |
| EV / EBIT | 1.20 |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 4.27, with a Debt / Equity ratio of 0.08.
| Current Ratio | 4.27 |
| Quick Ratio | 1.49 |
| Debt / Equity | 0.08 |
| Debt / EBITDA | 0.14 |
| Debt / FCF | n/a |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 23.94% and return on invested capital (ROIC) is 37.02%.
| Return on Equity (ROE) | 23.94% |
| Return on Assets (ROA) | 22.53% |
| Return on Invested Capital (ROIC) | 37.02% |
| Return on Capital Employed (ROCE) | 45.78% |
| Revenue Per Employee | $1.62M |
| Profits Per Employee | $400,179 |
| Employee Count | 563 |
| Asset Turnover | 0.54 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, X Financial has paid $63.01 million in taxes.
| Income Tax | 63.01M |
| Effective Tax Rate | 21.85% |
Stock Price Statistics
The stock price has increased by +353.47% in the last 52 weeks. The beta is 0.24, so X Financial's price volatility has been lower than the market average.
| Beta (5Y) | 0.24 |
| 52-Week Price Change | +353.47% |
| 50-Day Moving Average | 14.65 |
| 200-Day Moving Average | 9.38 |
| Relative Strength Index (RSI) | 71.00 |
| Average Volume (20 Days) | 422,947 |
Short Selling Information
| Short Interest | 60,246 |
| Short Previous Month | 114,348 |
| Short % of Shares Out | 0.37% |
| Short % of Float | n/a |
| Short Ratio (days to cover) | 0.40 |
Income Statement
In the last 12 months, X Financial had revenue of $909.71 million and earned $225.30 million in profits. Earnings per share was $4.76.
| Revenue | 909.71M |
| Gross Profit | 633.04M |
| Operating Income | 601.99M |
| Pretax Income | 213.12M |
| Net Income | 225.30M |
| EBITDA | 603.05M |
| EBIT | 601.99M |
| Earnings Per Share (EPS) | $4.76 |
Full Income StatementBalance Sheet
The company has $191.48 million in cash and $85.90 million in debt, giving a net cash position of $105.58 million or $2.50 per share.
| Cash & Cash Equivalents | 191.48M |
| Total Debt | 85.90M |
| Net Cash | 105.58M |
| Net Cash Per Share | $2.50 |
| Equity (Book Value) | 1.02B |
| Book Value Per Share | 24.37 |
| Working Capital | 1.15B |
Full Balance SheetCash Flow
| Operating Cash Flow | n/a |
| Capital Expenditures | n/a |
| Free Cash Flow | n/a |
| FCF Per Share | n/a |
Full Cash Flow StatementMargins
Gross margin is 69.59%, with operating and profit margins of 66.17% and 24.77%.
| Gross Margin | 69.59% |
| Operating Margin | 66.17% |
| Pretax Margin | 31.69% |
| Profit Margin | 24.77% |
| EBITDA Margin | 66.29% |
| EBIT Margin | 66.17% |
| FCF Margin | n/a |
Dividends & Yields
This stock pays an annual dividend of $0.25, which amounts to a dividend yield of 1.28%.
| Dividend Per Share | $0.25 |
| Dividend Yield | 1.28% |
| Dividend Growth (YoY) | -26.47% |
| Years of Dividend Growth | 1 |
| Payout Ratio | 5.25% |
| Buyback Yield | 2.45% |
| Shareholder Yield | 3.72% |
| Earnings Yield | 27.25% |
| 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 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 3.38 and a Piotroski F-Score of 4.
| Altman Z-Score | 3.38 |
| Piotroski F-Score | 4 |