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X Financial

Data quality: 100%
XYF
NYSE Financial Services Nondepository Credit Institutions
$4.34
▼ $0.06 (-1.36%)
Mkt Cap: 169.63 M
Price
$4.34
Mkt Cap
169.63 M
Day Range
$4.23 — $4.38
52-Week Range
$3.30 — $20.36
Volume
77,006
Open $4.33
50D / 200D Avg
$4.89
11.21% below
50D / 200D Avg
$10.49
58.63% below

Quick Summary

Key Takeaways

Revenue grew 24.38% annually over 5 years — strong growth
Earnings grew 26.21% over the past year
ROE of 23.76% indicates high profitability
Net margin of 26.23% shows strong profitability
Debt/Equity of 0.05 — conservative balance sheet
Generating 206.75 M in free cash flow

Growth

Revenue Growth (5Y)
24.38%
Above sector avg (6.38%)
Revenue (1Y)18.62%
Earnings (1Y)26.21%
FCF Growth (3Y)112.22%

Quality

Return on Equity
23.76%
Above sector avg (10.70%)
ROIC12.38%
Net Margin26.23%
Op. Margin31.91%

Safety

Debt / Equity
0.05
Below sector avg (0.50)
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
0.80
Below sector avg (12.63)
P/B Ratio0.18
EV/EBITDA0.31
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (1096 peers)
Metric Stock Sector Median
P/E 0.8 12.6
P/B 0.2 1.4
ROE % 23.8 10.7
Net Margin % 26.2 14.8
Rev Growth 5Y % 24.4 6.4
D/E 0.1 0.5

ETFs Holding This Stock

APIE logo APIE ActivePassive International Equity ETF
0.04% weight

All Fundamental Metrics
Growth
Revenue Growth (1Y) 18.62% Revenue Growth (3Y) 24.79%
Earnings Growth (1Y) 26.21% Earnings Growth (3Y) 33.86%
Revenue Growth (5Y) 24.38% Earnings Growth (5Y) N/A
Profitability
Revenue (TTM) 804.43 M Net Income (TTM) 210.97 M
ROE 23.76% ROA 12.94%
Gross Margin N/A Operating Margin 31.91%
Net Margin 26.23% Free Cash Flow (TTM) 206.75 M
ROIC 12.38% FCF Growth (3Y) 112.22%
Safety
Debt / Equity 0.05 Current Ratio N/A
Interest Coverage N/A Asset Turnover 0.49
Working Capital N/A Tangible Book Value 947.57 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 0.80 Forward P/E N/A
P/B Ratio 0.18 P/S Ratio 0.21
PEG Ratio N/A Forward PEG N/A
EV/EBITDA 0.31 Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 121.88%
Market Cap 169.63 M Enterprise Value 79.75 M
Per Share
EPS (Diluted TTM) 0.72 Revenue / Share 20.58
FCF / Share 5.29 OCF / Share 5.34
EPS CAGR (1Y) 26.32% EPS CAGR (5Y) N/A
EPS CAGR (10Y) N/A
Efficiency
CapEx / Revenue 0.24% FCF Conversion 98.00%
SBC-Adj. FCF 201.25 M Growth Momentum -5.76

Income Statement

Annual, most recent first
Metric FY2024 FY2023 FY2022 FY2021 FY2020
Revenue 804.43 M 678.16 M 516.58 M 569.07 M 336.09 M
Net Income 210.97 M 167.16 M 117.73 M 129.52 M -200.54 M
EPS (Diluted) 0.72 0.57 0.37 0.38 -0.62
Gross Profit — — — — —
Operating Income 256.71 M 202.49 M 156.92 M 205.73 M -219.21 M
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A 986,228.0 740,941.0 963,625.0 1.28 M 1.83 M
Interest Expense — — — — —
Income Tax 55.58 M 35.13 M 56.45 M 57.86 M 45.96 M

Balance Sheet

Annual, most recent first
Metric FY2024 FY2023 FY2022 FY2021 FY2020
Total Assets 1.62 B 1.64 B 1.28 B 1.15 B 1.15 B
Total Liabilities 666.66 M 817.32 M 592.18 M 528.17 M 677.70 M
Shareholders' Equity 952.58 M 823.55 M 689.16 M 624.06 M 471.23 M
Total Debt 45.00 M — — — —
Cash & Equivalents 134.89 M 168.36 M 87.32 M 91.76 M 114.39 M
Current Assets — — — — —
Current Liabilities — — — — —