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X Financial American Depositary Shares, each representing six Class A Ordinary Shares (XYF)
Price$4.71
Favorite Metrics
Price vs S&P 500 (26W)-72.66%
Price vs S&P 500 (4W)-10.80%
Market Capitalization$26.13M
P/E Ratio (Annual)0.79x
Indicated Dividend Yield (Annual)14.12%
All Metrics
P/CF (Annual)0.80x
Book Value / Share (Quarterly)$4.95
P/TBV (Annual)0.40x
Indicated Dividend (Annual)$0.08
Revenue Growth (3Y)17.43%
Price vs S&P 500 (YTD)-20.86%
Gross Margin (TTM)70.40%
Net Profit Margin (TTM)26.23%
EPS (TTM)$0.99
10-Day Avg Trading Volume0.14M
EPS Excl Extra (TTM)$0.99
Revenue Growth (5Y)13.71%
EPS (Annual)$0.77
ROI (Annual)15.95%
Gross Margin (Annual)70.40%
Net Profit Margin (5Y Avg)7.35%
Cash / Share (Quarterly)$0.56
P/E Basic Excl Extra (TTM)0.68x
Revenue Growth QoQ (YoY)43.27%
EPS Growth (5Y)16.74%
P/E Normalized (Annual)0.79x
ROA (Last FY)13.03%
Revenue Growth TTM (YoY)21.95%
EBITD / Share (TTM)$1.24
ROE (5Y Avg)7.55%
Operating Margin (TTM)31.91%
Cash Flow / Share (Annual)$0.27
P/B Ratio0.15x
P/B Ratio (Quarterly)0.46x
Net Income / Employee (Annual)$0
EV / Revenue (TTM)0.89x
Net Interest Coverage (TTM)116.21x
ROA (TTM)13.72%
EPS Growth QoQ (YoY)30.39%
EV / EBITDA (TTM)2.31x
EPS Incl Extra (Annual)$0.77
Current Ratio (Annual)1.36x
Quick Ratio (Quarterly)1.44x
3-Month Avg Trading Volume0.20M
52-Week Price Return-60.79%
EV / Free Cash Flow (Annual)3.45x
P/E Incl Extra (TTM)0.68x
Revenue / Employee (TTM)$2
Tangible BV / Share (Quarterly)$4.92
P/S Ratio (Annual)0.21x
Asset Turnover (Annual)0.50x
52-Week High$20.36
Operating Margin (5Y Avg)12.22%
EPS Excl Extra (Annual)$0.77
CapEx CAGR (5Y)-1.25%
Tangible BV CAGR (5Y)9.82%
26-Week Price Return-68.67%
Quick Ratio (Annual)1.35x
13-Week Price Return-28.33%
Total Debt / Equity (Annual)0.39x
Current Ratio (Quarterly)1.47x
Enterprise Value$762.583
Revenue / Share Growth (5Y)15.69%
Asset Turnover (TTM)0.49x
Book Value / Share Growth (5Y)23.13%
Revenue / Employee (Annual)$2
Pretax Margin (Annual)32.26%
Cash / Share (Annual)$0.46
3-Month Return Std Dev74.65%
Gross Margin (5Y Avg)40.50%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)17.72%
ROE (Last FY)22.15%
Net Interest Coverage (Annual)19.72x
EPS Basic Excl Extra (Annual)$0.77
Receivables Turnover (TTM)3.18x
Total Debt / Equity (Quarterly)0.50x
EPS Incl Extra (TTM)$0.99
Receivables Turnover (Annual)3.18x
ROI (TTM)16.91%
P/S Ratio (TTM)0.21x
Pretax Margin (5Y Avg)11.11%
Revenue / Share (Annual)$2.93
Tangible BV / Share (Annual)$1.98
Free OCF CAGR (5Y)20.85%
Price vs S&P 500 (52W)-90.62%
P/E Ratio (TTM)0.68x
EPS Growth TTM (YoY)49.04%
Year-to-Date Return-18.21%
5-Day Price Return4.57%
EPS Normalized (Annual)$0.77
ROA (5Y Avg)5.24%
Net Profit Margin (Annual)26.23%
Month-to-Date Return11.16%
EBITD / Share (Annual)$0.94
EPS Growth (3Y)28.92%
Operating Margin (Annual)31.91%
LT Debt / Equity (Annual)0.34x
P/CF (TTM)227.60x
ROI (5Y Avg)5.27%
P/E Excl Extra (TTM)0.68x
LT Debt / Equity (Quarterly)0.43x
EPS Basic Excl Extra (TTM)$0.99
P/TBV (Quarterly)0.46x
Payout Ratio (Annual)7.57%
P/B Ratio (Annual)0.40x
Pretax Margin (TTM)33.12%
Book Value / Share (Annual)$1.99
Price vs S&P 500 (13W)-29.01%
Net Margin Growth (5Y)0.91%
Beta0.45x
P/FCF (Annual)0.81x
Revenue / Share (TTM)$2.98
ROE (TTM)23.88%
52-Week Low$3.30
Industry Peers — Finance Services(109)
| Symbol | P/E Ratio (Annual) | ROE (TTM) | Operating Margin (TTM) | Revenue Growth (5Y) | Price |
|---|---|---|---|---|---|
XYFX Financial American Depositary Shares, each representing six Class A Ordinary Shares | 0.79x | 23.88% | 31.91% | 13.71% | $4.71 |
AXPAmerican Express Company | 20.67x | 33.49% | 17.76% | 15.25% | $325.76 |
COINCoinbase Global, Inc. Class A Common Stock | 41.05x | 9.44% | 19.99% | 41.24% | $199.82 |
MSTRStrategy Inc Common Stock Class A | — | -7.97% | -1140.82% | -0.15% | $148.94 |
STRCStrategy Inc Variable Rate Series A Perpetual Stretch Preferred Stock | — | -7.97% | -1140.82% | -0.15% | $99.06 |
STRDStrategy Inc 10.00% Series A Perpetual Stride Preferred Stock | — | -7.97% | -1140.82% | -0.15% | $76.11 |
STRFStrategy Inc 10.00% Series A Perpetual Strife Preferred Stock | — | -7.97% | -1140.82% | -0.15% | $98.83 |
STRKStrategy Inc 8.00% Series A Perpetual Strike Preferred Stock | — | -7.97% | -1140.82% | -0.15% | $74.75 |
SYFSYNCHRONY FINANCIAL | 7.44x | 21.09% | 18.39% | 0.89% | $75.17 |
CRCLCircle Internet Group, Inc. | 126.06x | -2.62% | -2.63% | — | $107.46 |
SOFISoFi Technologies, Inc. Common Stock | 49.78x | 5.87% | -19.92% | — | $19.03 |
About
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.