X Financial Statistics
Total Valuation
X Financial has a market cap or net worth of $176.02 million. The enterprise value is $99.90 million.
Important Dates
The next confirmed earnings date is Thursday, May 28, 2026, before market open.
| Earnings Date | May 28, 2026 |
| Ex-Dividend Date | Apr 30, 2026 |
Share Statistics
X Financial has 38.52 million shares outstanding. The number of shares has decreased by -14.95% in one year.
| Current Share Class | n/a |
| Shares Outstanding | 38.52M |
| Shares Change (YoY) | -14.95% |
| Shares Change (QoQ) | -5.17% |
| Owned by Insiders (%) | 57.01% |
| Owned by Institutions (%) | 3.55% |
| Float | 14.24M |
Valuation Ratios
The trailing PE ratio is 0.91.
| PE Ratio | 0.91 |
| Forward PE | n/a |
| PS Ratio | 0.16 |
| Forward PS | n/a |
| PB Ratio | 0.16 |
| P/TBV Ratio | 0.16 |
| P/FCF Ratio | 0.83 |
| P/OCF Ratio | 0.84 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 0.14, with an EV/FCF ratio of 0.47.
| EV / Earnings | 0.48 |
| EV / Sales | 0.09 |
| EV / EBITDA | 0.14 |
| EV / EBIT | 0.14 |
| EV / FCF | 0.47 |
Financial Position
The company has a current ratio of 5.05, with a Debt / Equity ratio of 0.06.
| Current Ratio | 5.05 |
| Quick Ratio | 1.69 |
| Debt / Equity | 0.06 |
| Debt / EBITDA | 0.09 |
| Debt / FCF | 0.31 |
| Interest Coverage | 256.53 |
Financial Efficiency
Return on equity (ROE) is 19.80% and return on invested capital (ROIC) is 53.97%.
| Return on Equity (ROE) | 19.80% |
| Return on Assets (ROA) | 22.83% |
| Return on Invested Capital (ROIC) | 53.97% |
| Return on Capital Employed (ROCE) | 39.56% |
| Weighted Average Cost of Capital (WACC) | 6.08% |
| 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 -73.74% in the last 52 weeks. The beta is 0.51, so X Financial's price volatility has been lower than the market average.
| Beta (5Y) | 0.51 |
| 52-Week Price Change | -73.74% |
| 50-Day Moving Average | 4.63 |
| 200-Day Moving Average | 8.41 |
| Relative Strength Index (RSI) | 44.87 |
| Average Volume (20 Days) | 133,305 |
Short Selling Information
The latest short interest is 211,980, so 1.14% of the outstanding shares have been sold short.
| Short Interest | 211,980 |
| Short Previous Month | 132,662 |
| Short % of Shares Out | 1.14% |
| Short % of Float | n/a |
| Short Ratio (days to cover) | 1.44 |
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 | 693.06M |
| EBIT | 691.47M |
| Earnings Per Share (EPS) | $5.04 |
Full Income StatementBalance Sheet
The company has $141.20 million in cash and $65.08 million in debt, with a net cash position of $76.12 million or $1.98 per share.
| Cash & Cash Equivalents | 141.20M |
| Total Debt | 65.08M |
| Net Cash | 76.12M |
| Net Cash Per Share | $1.98 |
| Equity (Book Value) | 1.12B |
| Book Value Per Share | 28.67 |
| Working Capital | 1.41B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $209.82 million and capital expenditures -$3.13 million, giving a free cash flow of $212.76 million.
| Operating Cash Flow | 209.82M |
| Capital Expenditures | -3.13M |
| Depreciation & Amortization | 1.64M |
| Net Borrowing | -209.72M |
| Free Cash Flow | 212.76M |
| FCF Per Share | $5.52 |
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 | 63.45% |
| EBIT Margin | 63.31% |
| FCF Margin | 19.48% |
Dividends & Yields
This stock pays an annual dividend of $0.56, which amounts to a dividend yield of 12.26%.
| Dividend Per Share | $0.56 |
| Dividend Yield | 12.26% |
| Dividend Growth (YoY) | 124.79% |
| Years of Dividend Growth | 2 |
| Payout Ratio | 10.80% |
| Buyback Yield | 14.95% |
| Shareholder Yield | 27.22% |
| Earnings Yield | 118.96% |
| FCF Yield | 120.87% |
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 7.
| Altman Z-Score | 3.29 |
| Piotroski F-Score | 7 |
