X Financial Statistics
Total Valuation
X Financial has a market cap or net worth of $186.80 million. The enterprise value is $82.78 million.
| Market Cap | 186.80M |
| Enterprise Value | 82.78M |
Important Dates
The next estimated earnings date is Thursday, November 19, 2026, after market close.
| Earnings Date | Nov 19, 2026 |
| Ex-Dividend Date | Sep 10, 2026 |
Share Statistics
X Financial has 38.52 million shares outstanding. The number of shares has decreased by -14.93% in one year.
| Current Share Class | n/a |
| Shares Outstanding | 38.52M |
| Shares Change (YoY) | -14.93% |
| Shares Change (QoQ) | -3.79% |
| Owned by Insiders (%) | 57.05% |
| Owned by Institutions (%) | 2.33% |
| Float | 14.23M |
Valuation Ratios
The trailing PE ratio is 2.28.
| PE Ratio | 2.28 |
| Forward PE | n/a |
| PS Ratio | 0.23 |
| Forward PS | n/a |
| PB Ratio | 0.16 |
| P/TBV Ratio | 0.16 |
| P/FCF Ratio | 0.86 |
| P/OCF Ratio | n/a |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 0.19, with an EV/FCF ratio of 0.38.
| EV / Earnings | 1.00 |
| EV / Sales | 0.10 |
| EV / EBITDA | 0.19 |
| EV / EBIT | 0.19 |
| EV / FCF | 0.38 |
Financial Position
The company has a current ratio of 4.40, with a Debt / Equity ratio of 0.05.
| Current Ratio | 4.40 |
| Quick Ratio | 1.31 |
| Debt / Equity | 0.05 |
| Debt / EBITDA | 0.14 |
| Debt / FCF | 0.29 |
| Interest Coverage | 245.68 |
Financial Efficiency
Return on equity (ROE) is 7.28% and return on invested capital (ROIC) is 30.77%.
| Return on Equity (ROE) | 7.28% |
| Return on Assets (ROA) | 14.16% |
| Return on Invested Capital (ROIC) | 30.77% |
| Return on Capital Employed (ROCE) | 28.67% |
| Weighted Average Cost of Capital (WACC) | 5.46% |
| Revenue Per Employee | $1.28M |
| Profits Per Employee | $128,976 |
| Employee Count | 643 |
| Asset Turnover | 0.43 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, X Financial has paid $28.13 million in taxes.
| Income Tax | 28.13M |
| Effective Tax Rate | 25.33% |
Stock Price Statistics
The stock price has decreased by -63.91% in the last 52 weeks. The beta is 0.43, so X Financial's price volatility has been lower than the market average.
| Beta (5Y) | 0.43 |
| 52-Week Price Change | -63.91% |
| 50-Day Moving Average | 5.25 |
| 200-Day Moving Average | 5.04 |
| Relative Strength Index (RSI) | 40.16 |
| Average Volume (20 Days) | 53,783 |
Short Selling Information
The latest short interest is 86,510, so 0.51% of the outstanding shares have been sold short.
| Short Interest | 86,510 |
| Short Previous Month | 86,292 |
| Short % of Shares Out | 0.51% |
| Short % of Float | n/a |
| Short Ratio (days to cover) | 1.13 |
Income Statement
In the last 12 months, X Financial had revenue of $824.18 million and earned $82.93 million in profits. Earnings per share was $2.13.
| Revenue | 824.18M |
| Gross Profit | 495.42M |
| Operating Income | 430.23M |
| Pretax Income | 111.06M |
| Net Income | 82.93M |
| EBITDA | 432.16M |
| EBIT | 430.23M |
| Earnings Per Share (EPS) | $2.13 |
Balance Sheet
The company has $166.61 million in cash and $62.58 million in debt, with a net cash position of $104.03 million or $2.70 per share.
| Cash & Cash Equivalents | 166.61M |
| Total Debt | 62.58M |
| Net Cash | 104.03M |
| Net Cash Per Share | $2.70 |
| Equity (Book Value) | 1.14B |
| Book Value Per Share | 30.41 |
| Working Capital | 954.62M |
Cash Flow
| Operating Cash Flow | n/a |
| Capital Expenditures | -3.27M |
| Depreciation & Amortization | 1.96M |
| Net Borrowing | n/a |
| Free Cash Flow | 216.00M |
| FCF Per Share | $5.61 |
Margins
Gross margin is 60.11%, with operating and profit margins of 52.20% and 10.06%.
| Gross Margin | 60.11% |
| Operating Margin | 52.20% |
| Pretax Margin | 13.48% |
| Profit Margin | 10.06% |
| EBITDA Margin | 52.43% |
| EBIT Margin | 52.20% |
| FCF Margin | 21.02% |
Dividends & Yields
This stock pays an annual dividend of $0.56, which amounts to a dividend yield of 11.56%.
| Dividend Per Share | $0.56 |
| Dividend Yield | 11.56% |
| Dividend Growth (YoY) | 5.84% |
| Years of Dividend Growth | 2 |
| Payout Ratio | 25.55% |
| FCF Payout Ratio | 9.70% |
| Buyback Yield | 14.93% |
| Shareholder Yield | 26.48% |
| Earnings Yield | 44.40% |
| FCF Yield | 115.63% |
Analyst Forecast
| Price Target | n/a |
| Price Target Difference | n/a |
| Analyst Consensus | n/a |
| Analyst Count | n/a |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | 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 2.9 and a Piotroski F-Score of 2. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 2.9 |
| Piotroski F-Score | 2 |