X Financial Statistics
Total Valuation
X Financial has a market cap or net worth of $214.15 million. The enterprise value is $122.16 million.
| Market Cap | 214.15M |
| Enterprise Value | 122.16M |
Important Dates
The next estimated earnings date is Monday, August 17, 2026, after market close.
| Earnings Date | Aug 17, 2026 |
| Ex-Dividend Date | Apr 30, 2026 |
Share Statistics
X Financial has 38.52 million shares outstanding. The number of shares has decreased by -14.40% in one year.
| Current Share Class | n/a |
| Shares Outstanding | 38.52M |
| Shares Change (YoY) | -14.40% |
| Shares Change (QoQ) | -0.74% |
| Owned by Insiders (%) | 57.05% |
| Owned by Institutions (%) | 3.59% |
| Float | 14.23M |
Valuation Ratios
The trailing PE ratio is 1.49.
| PE Ratio | 1.49 |
| Forward PE | n/a |
| PS Ratio | 0.21 |
| Forward PS | n/a |
| PB Ratio | 0.19 |
| P/TBV Ratio | 0.19 |
| P/FCF Ratio | 1.00 |
| P/OCF Ratio | 0.98 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 0.69, with an EV/FCF ratio of 0.57.
| EV / Earnings | 0.81 |
| EV / Sales | 0.12 |
| EV / EBITDA | 0.69 |
| EV / EBIT | 0.69 |
| EV / FCF | 0.57 |
Financial Position
The company has a current ratio of 4.57, with a Debt / Equity ratio of 0.05.
| Current Ratio | 4.57 |
| Quick Ratio | 1.51 |
| Debt / Equity | 0.05 |
| Debt / EBITDA | 0.32 |
| Debt / FCF | 0.26 |
| Interest Coverage | 80.18 |
Financial Efficiency
Return on equity (ROE) is 13.74% and return on invested capital (ROIC) is 45.43%.
| Return on Equity (ROE) | 13.74% |
| Return on Assets (ROA) | 19.73% |
| Return on Invested Capital (ROIC) | 45.43% |
| Return on Capital Employed (ROCE) | 10.86% |
| Weighted Average Cost of Capital (WACC) | 6.04% |
| Revenue Per Employee | $1.55M |
| Profits Per Employee | $235,483 |
| Employee Count | 643 |
| Asset Turnover | 0.54 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, X Financial has paid $35.86 million in taxes.
| Income Tax | 35.86M |
| Effective Tax Rate | 19.15% |
Stock Price Statistics
The stock price has decreased by -60.57% 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 | -60.57% |
| 50-Day Moving Average | 4.93 |
| 200-Day Moving Average | 5.85 |
| Relative Strength Index (RSI) | 67.23 |
| Average Volume (20 Days) | 47,171 |
Short Selling Information
The latest short interest is 151,167, so 0.82% of the outstanding shares have been sold short.
| Short Interest | 151,167 |
| Short Previous Month | 198,392 |
| Short % of Shares Out | 0.82% |
| Short % of Float | n/a |
| Short Ratio (days to cover) | 2.39 |
Income Statement
In the last 12 months, X Financial had revenue of $997.20 million and earned $151.42 million in profits. Earnings per share was $3.73.
| Revenue | 997.20M |
| Gross Profit | 654.67M |
| Operating Income | 588.07M |
| Pretax Income | 187.27M |
| Net Income | 151.42M |
| EBITDA | 177.62M |
| EBIT | 177.62M |
| Earnings Per Share (EPS) | $3.73 |
Balance Sheet
The company has $148.06 million in cash and $56.07 million in debt, with a net cash position of $91.99 million or $2.39 per share.
| Cash & Cash Equivalents | 148.06M |
| Total Debt | 56.07M |
| Net Cash | 91.99M |
| Net Cash Per Share | $2.39 |
| Equity (Book Value) | 1.13B |
| Book Value Per Share | 28.86 |
| Working Capital | 1.20B |
Cash Flow
In the last 12 months, operating cash flow was $217.61 million and capital expenditures -$3.24 million, giving a free cash flow of $214.37 million.
| Operating Cash Flow | 217.61M |
| Capital Expenditures | -3.24M |
| Depreciation & Amortization | 1.80M |
| Net Borrowing | -211.31M |
| Free Cash Flow | 214.37M |
| FCF Per Share | $5.57 |
Margins
Gross margin is 65.65%, with operating and profit margins of 58.97% and 15.18%.
| Gross Margin | 65.65% |
| Operating Margin | 58.97% |
| Pretax Margin | 18.78% |
| Profit Margin | 15.18% |
| EBITDA Margin | 17.42% |
| EBIT Margin | 17.42% |
| FCF Margin | 18.92% |
Dividends & Yields
This stock pays an annual dividend of $0.56, which amounts to a dividend yield of 10.69%.
| Dividend Per Share | $0.56 |
| Dividend Yield | 10.69% |
| Dividend Growth (YoY) | 124.79% |
| Years of Dividend Growth | 2 |
| Payout Ratio | 14.59% |
| Buyback Yield | 14.40% |
| Shareholder Yield | 24.48% |
| Earnings Yield | 70.71% |
| FCF Yield | 100.10% |
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 3.14 and a Piotroski F-Score of 5.
| Altman Z-Score | 3.14 |
| Piotroski F-Score | 5 |