X Financial (XYF)
NYSE: XYF · IEX Real-Time Price · USD
0.00 (0.00%)
Apr 19, 2024, 4:00 PM EDT - Market closed

X Financial Statistics

Total Valuation

X Financial has a market cap or net worth of $156.38 million. The enterprise value is $460.91 million.

Market Cap 156.38M
Enterprise Value 460.91M

Important Dates

The next estimated earnings date is Wednesday, May 22, 2024, after market close.

Earnings Date May 22, 2024
Ex-Dividend Date May 9, 2024

Share Statistics

X Financial has 41.37 million shares outstanding.

Shares Outstanding 41.37M
Owned by Insiders (%) 1.64%
Owned by Institutions (%) 1.98%
Float n/a

Valuation Ratios

The trailing PE ratio is 1.05.

PE Ratio 1.05
Forward PE n/a
PS Ratio 0.23
Forward PS n/a
PB Ratio 0.19
P/FCF Ratio n/a
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 2.75
EV / Sales 0.68
EV / EBIT 2.29
EV / FCF n/a

Financial Position

Current Ratio n/a
Quick Ratio n/a
Debt / Equity 0.71
Debt / EBITDA n/a
Debt / FCF n/a
Interest Coverage 71.52

Financial Efficiency

Return on equity (ROE) is 21.60% and return on invested capital (ROIC) is 11.88%.

Return on Equity (ROE) 21.60%
Return on Assets (ROA) 11.20%
Return on Capital (ROIC) 11.88%
Revenue Per Employee $1.47M
Profits Per Employee $363,102
Employee Count 461
Asset Turnover 0.45
Inventory Turnover n/a


In the past 12 months, X Financial has paid $34.46 million in taxes.

Income Tax 34.46M
Effective Tax Rate 17.07%

Stock Price Statistics

The stock price has increased by +9.57% in the last 52 weeks. The beta is 0.27, so X Financial's price volatility has been lower than the market average.

Beta (1Y) 0.27
52-Week Price Change +9.57%
50-Day Moving Average 4.08
200-Day Moving Average 4.10
Relative Strength Index (RSI) 43.07
Average Volume (30 Days) 21,269

Short Selling Information

Short Interest 13,893
Short Previous Month 13,273
Short % of Shares Out 0.04%
Short % of Float n/a
Short Ratio (days to cover) 0.33

Income Statement

In the last 12 months, X Financial had revenue of $679.11 million and earned $167.39 million in profits. Earnings per share was $3.38.

Revenue 679.11M
Gross Profit 665.10M
Operating Income 198.59M
Pretax Income 198.39M
Net Income 167.39M
EBIT 201.21M
Earnings Per Share (EPS) $3.38
Full Income Statement

Balance Sheet

The company has $268.59 million in cash and $573.13 million in debt, giving a net cash position of -$304.53 million or -$7.36 per share.

Cash & Cash Equivalents 268.59M
Total Debt 573.13M
Net Cash -304.53M
Net Cash Per Share -$7.36
Equity / Book Value 807.69M
Book Value Per Share 19.52
Working Capital n/a
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


Gross margin is 97.94%, with operating and profit margins of 29.24% and 24.65%.

Gross Margin 97.94%
Operating Margin 29.24%
Pretax Margin 29.21%
Profit Margin 24.65%
EBITDA Margin n/a
EBIT Margin 29.63%
FCF Margin n/a

Dividends & Yields

This stock pays an annual dividend of $0.34, which amounts to a dividend yield of 9.00%.

Dividend Per Share $0.34
Dividend Yield 9.00%
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio 10.06%
Buyback Yield 9.79%
Shareholder Yield 18.79%
Earnings Yield 107.04%
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 1:3.

Last Split Date Nov 19, 2020
Split Type Reverse
Split Ratio 1:3


Altman Z-Score n/a
Piotroski F-Score 4