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X Financial

جودة البيانات: 100%

XYF

NYSE Financial Services Nondepository Credit Institutions

KWD 4.75

▲ KWD 0.04 (0.85%)

6 months return

—

Momentum

Neutral

5Y revenue growth

24.38%

النمو

Revenue Growth (5Y)

24.38%

أعلى من متوسط القطاع (5.76%)

Revenue (1Y)18.62%

Earnings (1Y)26.21%

FCF Growth (3Y)112.22%

الجودة

Return on Equity

23.76%

أعلى من متوسط القطاع (9.21%)

ROIC12.38%

Net Margin26.23%

Op. Margin31.91%

الأمان

Debt / Equity

0.05

أقل من متوسط القطاع (0.49)

Current RatioN/A

Interest CoverageN/A

التقييم

P/E Ratio

0.80 TTM

12.38 NTM

أقل من متوسط القطاع (11.13)

P/B Ratio0.18

EV/EBITDA0.31

Dividend Yield5.76%

Quick Summary

Key Takeaways

Short bullets derived from reported financials—not the AI summary above.

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

Price History

الاتجاهات المالية

السعر المستهدف للمحللين

لا تتوفر تغطية محللين

Growth

Rev 5Y: 24.38% · Earnings 1Y: 26.21%

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

ROE: 23.76% · Net Margin: 26.23%

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

D/E: 0.05 · Current: N/A

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

Yield: 5.76% · Payout: 34.72%

Dividend Yield	5.76%	Payout Ratio	34.72%
Dividend Growth (3Y)	-5.90%	Dividend Growth (5Y)	N/A
Consecutive Div Years	4 yrs

Valuation

P/E: 0.80 · EV/EBITDA: 0.31

P/E Ratio	0.80	Forward P/E	12.38
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	8.08%
FCF Yield	121.88%
Market Cap	169.63 M	Enterprise Value	79.75 M

Per Share

EPS: 0.72 · FCF/Share: 5.29

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

FCF Conv: 98.00% · CapEx/Rev: 0.24%

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	—	—	—	—	—