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X Financial American Depositary Shares, each representing six Class A Ordinary Shares (XYF)
Price$4.91
Value ScoreB
Growth ScoreC
Momentum ScoreD
Favorite Metrics
Price vs S&P 500 (26W)-63.13%
Price vs S&P 500 (4W)-4.97%
VGM Score52.28
Market Capitalization$26.11M
P/E Ratio (Annual)0.82x
Indicated Dividend Yield (Annual)14.12%
All Metrics
P/CF (Annual)0.82x
Book Value / Share (Quarterly)$4.93
P/TBV (Annual)0.20x
Indicated Dividend (Annual)$0.08
Revenue Growth (3Y)28.95%
Price vs S&P 500 (YTD)-25.04%
Gross Margin (TTM)65.57%
Net Profit Margin (TTM)3.89%
EPS (TTM)$0.84
10-Day Avg Trading Volume0.16M
EPS Excl Extra (TTM)$0.84
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)$0.62
P/E Basic Excl Extra (TTM)0.82x
Revenue Growth QoQ (YoY)-14.10%
EPS Growth (5Y)16.74%
P/E Normalized (Annual)0.82x
ROA (Last FY)9.99%
Revenue Growth TTM (YoY)21.95%
EBITD / Share (TTM)$1.10
ROE (5Y Avg)19.80%
Operating Margin (TTM)1.38%
Cash Flow / Share (Annual)$0.91
P/B Ratio0.15x
P/B Ratio (Quarterly)0.20x
Net Income / Employee (Annual)$384,094
EV / Revenue (TTM)3.01x
Net Interest Coverage (TTM)112.43x
ROA (TTM)10.63%
EPS Growth QoQ (YoY)-81.68%
EV / EBITDA (TTM)2.49x
EPS Incl Extra (Annual)$0.87
Current Ratio (Annual)1.83x
Quick Ratio (Quarterly)1.70x
3-Month Avg Trading Volume0.17M
52-Week Price Return-74.37%
EV / Free Cash Flow (Annual)3.06x
P/E Incl Extra (TTM)0.82x
Revenue / Employee (TTM)$384,965
Tangible BV / Share (Quarterly)$4.91
P/S Ratio (Annual)0.16x
Asset Turnover (Annual)0.52x
52-Week High$20.36
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 Return-47.20%
Quick Ratio (Annual)1.81x
13-Week Price Return-4.18%
Total Debt / Equity (Annual)0.56x
Current Ratio (Quarterly)1.71x
Enterprise Value$652.89M
Revenue / Share Growth (5Y)35.01%
Asset Turnover (TTM)0.10x
Book Value / Share Growth (5Y)23.13%
Revenue / Employee (Annual)$2,003,542
Pretax Margin (Annual)22.91%
Cash / Share (Annual)$0.62
3-Month Return Std Dev77.99%
Gross Margin (5Y Avg)54.11%
Net Income / Employee (TTM)$384,094
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)3.18x
Total Debt / Equity (Quarterly)0.54x
EPS Incl Extra (TTM)$0.84
Receivables Turnover (Annual)2.95x
ROI (TTM)13.07%
P/S Ratio (TTM)0.82x
Pretax Margin (5Y Avg)30.30%
Revenue / Share (Annual)$4.52
Tangible BV / Share (Annual)$4.91
Forward P/E12.02x
Free OCF CAGR (5Y)20.85%
Price vs S&P 500 (52W)-102.58%
P/E Ratio (TTM)0.82x
EPS Growth TTM (YoY)8.62%
Year-to-Date Return-14.11%
5-Day Price Return5.25%
EPS Normalized (Annual)$0.87
ROA (5Y Avg)10.73%
Net Profit Margin (Annual)19.17%
Month-to-Date Return1.91%
EBITD / Share (Annual)$0.97
EPS Growth (3Y)32.59%
Operating Margin (Annual)21.34%
LT Debt / Equity (Annual)0.51x
P/CF (TTM)223.48x
ROI (5Y Avg)12.99%
P/E Excl Extra (TTM)0.82x
LT Debt / Equity (Quarterly)0.49x
EPS Basic Excl Extra (TTM)$0.84
P/TBV (Quarterly)0.20x
Payout Ratio (Annual)10.57%
P/B Ratio (Annual)0.20x
Pretax Margin (TTM)2.13%
Book Value / Share (Annual)$4.93
Price vs S&P 500 (13W)-13.93%
Net Margin Growth (5Y)0.91%
Beta0.36x
P/FCF (Annual)0.83x
Revenue / Share (TTM)$0.93
ROE (TTM)18.95%
52-Week Low$3.30
vGradeB
gGradeC
mGradeD
vgmGradeC
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Analyst Recommendations
Sep 2021
Oct 2021
Nov 2021
Dec 2021
2.25
2.25
2.25
2.25
Industry Peers — Finance Services(152)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
XYFX Financial American Depositary Shares, each representing six Class A Ordinary Shares | B | C | D | $4.91 |
| AXPAmerican Express Company | D | B | C | $313.54 |
| NUNu Holdings Ltd. | D | B | C | $12.99 |
| COINCoinbase Global, Inc. Class A Common Stock | D | C | C | $182.61 |
| MSTRStrategy Inc Common Stock Class A | D | D | C | $149.78 |
| CRCLCircle Internet Group, Inc. | F | C | B | $104.97 |
| SYFSYNCHRONY FINANCIAL | B | C | C | $70.82 |
| SOFISoFi Technologies, Inc. Common Stock | D | B | B | $18.58 |
| IRENIREN Limited Ordinary Shares | F | B | A | $65.33 |
| HUTHut 8 Corp. Common Stock | F | A | A | $132.38 |
| WULFTeraWulf Inc. Common Stock | F | B | A | $25.66 |
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.