X Financial (XYF)
NYSE: XYF · Real-Time Price · USD
15.90
-0.20 (-1.24%)
At close: Mar 28, 2025, 4:00 PM
15.41
-0.49 (-3.10%)
Pre-market: Mar 31, 2025, 8:03 AM EDT

X Financial Statistics

Total Valuation

X Financial has a market cap or net worth of $753.85 million. The enterprise value is $667.73 million.

Market Cap 753.85M
Enterprise Value 667.73M

Important Dates

The last earnings date was Wednesday, March 19, 2025, after market close.

Earnings Date Mar 19, 2025
Ex-Dividend Date Sep 4, 2024

Share Statistics

X Financial has 47.41 million shares outstanding. The number of shares has increased by 0.87% in one year.

Current Share Class n/a
Shares Outstanding 47.41M
Shares Change (YoY) +0.87%
Shares Change (QoQ) -1.30%
Owned by Insiders (%) 54.74%
Owned by Institutions (%) 1.42%
Float 21.46M

Valuation Ratios

The trailing PE ratio is 3.68.

PE Ratio 3.68
Forward PE n/a
PS Ratio 0.95
Forward PS n/a
PB Ratio 0.78
P/TBV Ratio 0.80
P/FCF Ratio n/a
P/OCF Ratio n/a
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 3.17
EV / Sales 0.83
EV / EBITDA 1.32
EV / EBIT 1.32
EV / FCF n/a

Financial Position

The company has a current ratio of 4.70, with a Debt / Equity ratio of 0.05.

Current Ratio 4.70
Quick Ratio 1.35
Debt / Equity 0.05
Debt / EBITDA 0.10
Debt / FCF n/a
Interest Coverage 6,607.69

Financial Efficiency

Return on equity (ROE) is 24.06% and return on invested capital (ROIC) is 33.59%.

Return on Equity (ROE) 24.06%
Return on Assets (ROA) 19.71%
Return on Invested Capital (ROIC) 33.59%
Return on Capital Employed (ROCE) 38.61%
Revenue Per Employee $1.54M
Profits Per Employee $404,937
Employee Count 521
Asset Turnover 0.50
Inventory Turnover n/a

Taxes

In the past 12 months, X Financial has paid $55.58 million in taxes.

Income Tax 55.58M
Effective Tax Rate 20.85%

Stock Price Statistics

The stock price has increased by +347.89% in the last 52 weeks. The beta is 0.46, so X Financial's price volatility has been lower than the market average.

Beta (5Y) 0.46
52-Week Price Change +347.89%
50-Day Moving Average 10.22
200-Day Moving Average 6.92
Relative Strength Index (RSI) 76.09
Average Volume (20 Days) 268,607

Short Selling Information

Short Interest 48,511
Short Previous Month 16,541
Short % of Shares Out 0.23%
Short % of Float n/a
Short Ratio (days to cover) 0.37

Income Statement

In the last 12 months, X Financial had revenue of $804.45 million and earned $210.97 million in profits. Earnings per share was $4.32.

Revenue 804.45M
Gross Profit 535.95M
Operating Income 506.96M
Pretax Income 213.12M
Net Income 210.97M
EBITDA 507.68M
EBIT 506.96M
Earnings Per Share (EPS) $4.32
Full Income Statement

Balance Sheet

The company has $134.89 million in cash and $48.78 million in debt, giving a net cash position of $86.12 million or $1.82 per share.

Cash & Cash Equivalents 134.89M
Total Debt 48.78M
Net Cash 86.12M
Net Cash Per Share $1.82
Equity (Book Value) 952.60M
Book Value Per Share 20.28
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 66.62%, with operating and profit margins of 63.02% and 26.23%.

Gross Margin 66.62%
Operating Margin 63.02%
Pretax Margin 33.13%
Profit Margin 26.23%
EBITDA Margin 63.11%
EBIT Margin 63.02%
FCF Margin n/a

Dividends & Yields

This stock pays an annual dividend of $0.34, which amounts to a dividend yield of 2.14%.

Dividend Per Share $0.34
Dividend Yield 2.14%
Dividend Growth (YoY) 100.00%
Years of Dividend Growth 1
Payout Ratio 7.88%
Buyback Yield -0.87%
Shareholder Yield 1.27%
Earnings Yield 27.99%
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 3.08 and a Piotroski F-Score of 4.

Altman Z-Score 3.08
Piotroski F-Score 4