X Financial American Depositary Shares, each representing six Class A Ordinary Shares (XYF) Stock Price

XYFStock

$5.54−62.64%52W

Market Cap$213.38M

P/E0.99x

PEG Ratio0.08

Div yield14.12%

Beta0.41

XYF Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)-3.52%

Price vs S&P 500 (4W)7.30%

PEG Ratio0.08

VGM Score60.12

P/E Ratio (Annual)0.99x

Indicated Dividend Yield (Annual)14.12%

P/CF (Annual)0.98x

Book Value / Share (Quarterly)$4.99

P/TBV (Annual)0.20x

Indicated Dividend (Annual)$0.08

Revenue Growth (3Y)28.95%

Price vs S&P 500 (YTD)-13.89%

Gross Margin (TTM)62.53%

Net Profit Margin (TTM)3.60%

EPS (TTM)$0.61

10-Day Avg Trading Volume0.06M

EPS Excl Extra (TTM)$0.61

Revenue Growth (5Y)28.35%

EPS (Annual)$0.87

ROI (Annual)11.97%

Gross Margin (Annual)73.55%

Net Profit Margin (5Y Avg)23.12%

Cash / Share (Quarterly)$0.66

P/E Basic Excl Extra (TTM)1.38x

Revenue Growth QoQ (YoY)-14.10%

EPS Growth (5Y)16.74%

P/E Normalized (Annual)0.99x

ROA (Last FY)9.99%

Revenue Growth TTM (YoY)21.95%

EBITD / Share (TTM)$1.10

ROE (5Y Avg)19.80%

Operating Margin (TTM)5.83%

Cash Flow / Share (Annual)$0.92

P/B Ratio0.19x

P/B Ratio (Quarterly)0.14x

Net Income / Employee (Annual)$386,192

EV / Revenue (TTM)1.43x

Net Interest Coverage (TTM)112.43x

ROA (TTM)7.37%

EPS Growth QoQ (YoY)-90.87%

EV / EBITDA (TTM)2.49x

EPS Incl Extra (Annual)$0.87

Current Ratio (Annual)1.83x

Quick Ratio (Quarterly)1.52x

3-Month Avg Trading Volume0.09M

52-Week Price Return-62.64%

EV / Free Cash Flow (Annual)2.61x

P/E Incl Extra (TTM)1.38x

Revenue / Employee (TTM)$697,204

Tangible BV / Share (Quarterly)$4.97

P/S Ratio (Annual)0.19x

Asset Turnover (Annual)0.52x

52-Week High$2.37

Operating Margin (5Y Avg)29.53%

EPS Excl Extra (Annual)$0.87

CapEx CAGR (5Y)32.46%

Tangible BV CAGR (5Y)20.75%

26-Week Price Return8.41%

Quick Ratio (Annual)1.81x

13-Week Price Return17.12%

Total Debt / Equity (Annual)0.56x

Current Ratio (Quarterly)1.54x

Enterprise Value$560.38M

Revenue / Share Growth (5Y)35.01%

Asset Turnover (TTM)0.19x

Book Value / Share Growth (5Y)23.13%

Revenue / Employee (Annual)$2,014,486

Pretax Margin (Annual)22.91%

Cash / Share (Annual)$0.63

3-Month Return Std Dev37.77%

Gross Margin (5Y Avg)54.11%

Net Income / Employee (TTM)$275,396

EBITDA CAGR (5Y)17.72%

EBITDA Interim CAGR (5Y)3.84%

ROE (Last FY)18.69%

Net Interest Coverage (Annual)19.72x

EPS Basic Excl Extra (Annual)$0.87

Receivables Turnover (TTM)1.08x

Total Debt / Equity (Quarterly)0.43x

EPS Incl Extra (TTM)$0.61

Receivables Turnover (Annual)2.95x

ROI (TTM)9.08%

P/S Ratio (TTM)0.55x

Pretax Margin (5Y Avg)30.30%

Revenue / Share (Annual)$4.55

Tangible BV / Share (Annual)$4.94

Forward P/E12.41x

Free OCF CAGR (5Y)20.85%

Price vs S&P 500 (52W)-81.20%

P/E Ratio (TTM)1.38x

EPS Growth TTM (YoY)-29.14%

Year-to-Date Return-1.07%

5-Day Price Return0.73%

EPS Normalized (Annual)$0.87

ROA (5Y Avg)10.73%

Net Profit Margin (Annual)19.17%

Month-to-Date Return12.15%

EBITD / Share (Annual)$0.98

EPS Growth (3Y)32.59%

Operating Margin (Annual)21.34%

LT Debt / Equity (Annual)0.51x

P/CF (TTM)269.66x

ROI (5Y Avg)12.99%

P/E Excl Extra (TTM)1.38x

LT Debt / Equity (Quarterly)0.39x

EPS Basic Excl Extra (TTM)$0.61

P/TBV (Quarterly)0.14x

Payout Ratio (Annual)10.57%

P/B Ratio (Annual)0.20x

Pretax Margin (TTM)6.36%

Book Value / Share (Annual)$4.96

Price vs S&P 500 (13W)15.17%

Net Margin Growth (5Y)0.91%

Beta0.41x

P/FCF (Annual)1.00x

Revenue / Share (TTM)$1.66

ROE (TTM)13.37%

52-Week Low$0.49

vGradeB

gGradeC

mGradeC

vgmGradeB

XYF Analyst Recommendations

Sep 2021

Oct 2021

Nov 2021

Dec 2021

2.25

Industry Peers — Finance Services(168)

Symbol	Value Score	Growth Score	Momentum Score	Price
XYFX Financial American Depositary Shares, each representing six Class A Ordinary Shares	B	C	C	$5.54
AXPAmerican Express Company	D	B	B	$333.20
NUNu Holdings Ltd.	D	B	C	$14.30
MSTRStrategy Inc Common Stock Class A	D	D	C	$127.31
COINCoinbase Global, Inc. Class A Common Stock	D	C	C	$178.64
SYFSYNCHRONY FINANCIAL	B	C	B	$78.05
CRCLCircle Internet Group, Inc.	D	C	C	$87.14
SOFISoFi Technologies, Inc. Common Stock	D	B	C	$18.06
BMNRBitMine Immersion Technologies, Inc.	D	A	B	$23.80
IRENIREN Limited Ordinary Shares	F	B	C	$35.45
CHYMChime Financial, Inc. Class A Common Stock	D	B	A	$33.20
HUTHut 8 Corp. Common Stock	F	A	B	$79.42
WULFTeraWulf Inc. Common Stock	F	C	C	$15.35
RIOTRiot Platforms, Inc. Common Stock	D	C	C	$18.99
CIFRCipher Digital Inc. Common Stock	F	D	C	$15.17
KLARKlarna Group plc	C	B	C	$14.20
CORZCore Scientific, Inc. Common Stock	D	B	C	$16.51
BLSHBullish	C	F	C	$32.89
DAVEDave Inc. Class A Common Stock	D	B	A	$378.55
MARAMARA Holdings, Inc. Common Stock	C	C	C	$10.67
GPGIGPGI, Inc.	—	—	C	$13.25
SIISprott Inc.	D	B	B	$132.95
XXITwenty One Capital, Inc.	—	—	D	$6.01
IONDIonic Digital Inc. Class A Common Stock	—	—	B	$71.31
CLSKCLEANSPARK INC	D	C	C	$11.66
UPSTUpstart Holdings, Inc. Common stock	D	B	C	$29.08
BTDRBitdeer Technologies Group Class A Ordinary Shares	D	A	D	$10.32
PURRHyperliquid Strategies Inc Common Stock	—	—	A	$11.61
KEELKeel Infrastructure Corp. Common Stock	—	F	D	$3.22
ASSTStrive, Inc. Class A Common Stock	D	A	B	$21.74
PGYPagaya Technologies Ltd. Class A Ordinary Shares	C	B	B	$21.98
SBETSharplink, Inc. Common Stock	D	A	B	$8.20
PWPPerella Weinberg Partners Class A Common Stock	D	D	C	$16.98
WDWalker & Dunlop, Inc.	B	D	C	$41.35
WLTHWealthfront Corporation Common Stock	C	D	C	$9.25
LULufax Holding Ltd. American Depositary Shares, each representing two (2) Ordinary Shares	B	C	D	$1.31
QFINQfin Holdings, Inc. American Depositary Shares	A	C	F	$8.80
RHLDResolute Holdings Management, Inc.	C	A	B	$135.55
SECZSecuritize Corp.	F	—	C	$6.29
TRONTron Inc. Common Stock	F	C	B	$2.08
BURBurford Capital Limited	C	F	D	$4.36
ABTCAmerican Bitcoin Corp. Class A Common Stock	C	A	F	$7.69
BTGOBitGo Holdings, Inc.	C	A	B	$6.86
HIVEHIVE Digital Technologies Ltd. Common Shares	C	B	C	$2.77
GDOTGreen Dot Corporation	C	C	B	$13.34
VELVelocity Financial, Inc.	C	C	C	$18.01
WYFIWhiteFiber, Inc. Ordinary Shares	D	B	D	$17.75
OPFIOppFi Inc.	B	C	C	$7.07
GEMIGemini Space Station, Inc. Class A Common Stock	—	B	C	$4.30
HKDAMTD Digital Inc. American Depositary Shares (every five of which represent two Class A Ordinary Shares)	D	C	B	$1.70
BTBTBit Digital, Inc. Ordinary Shares	C	B	D	$1.43

About X Financial American Depositary Shares, each representing six Class A Ordinary Shares

X Financial is a technology-enabled personal finance platform providing diversified loan and wealth management products to Chinese investors through its Xiaoying platform. The company offers three primary loan products—Card Loan, Preferred Loan, and Housing Loan—and generates revenue through loan facilitation, post-origination services, and credit guarantees.