XYF X Financial
5.290USD+4.13%Mkt Cap: 195.38M $P/E: 2.531d ago
X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. The company offers Xiaoying credit loans, which are online personal credit loan products comp…
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Key Statistics
Company
Market Cap195.38M USD
Enterprise Value-515.90M USD
Revenue (TTM)5.60B USD
Gross Profit5.60B USD
Net Income (TTM)1.46B USD
Revenue/Share144.26 USD
Last Price5.290 USD
Fiscal Year EndDec 2025
MR QuarterJun 2026
Employees643
CountryUS
SectorFinancial Services
IndustryCredit Services
ISIN—
Valuation
P/E (Trailing)2.53
P/E (Forward)13.73
PEG—
EV/EBITDA-0.18
EV/Revenue-0.09
P/S0.03
P/B0.17
EPS (TTM)2.15
EPS (Forward)0.37
52W Range
3.30018% of range14.65
52W High14.65 USD
52W Low3.300 USD
Profitability
Gross Margin73.30%
Oper. Margin49.93%
EBITDA Margin52.43%
Profit Margin19.17%
ROE18.69%
ROA9.99%
Growth
Revenue Growth-56.30%
Earnings Growth-89.60%
Cash Flow & Leverage
Operating CF1.47B USD
CapEx (TTM)21.88M USD
FCF Margin—
FCF Yield—
Net Debt-706.62M USD
Net Debt/EBITDA-0.24
Balance Sheet
Debt/Equity0.15
Current Ratio4.40
Quick Ratio1.31
Book Value/Sh29.53 USD
Cash/Share30.14 USD
Dividends
Fwd Div Rate0.56 USD
Trail. Div Rate3.82 USD
Div. Yield11.31%
5Y Avg Yield—
Payout Ratio27.26%
Ex-Div DateSep 10, 2026
Pay DateSep 28, 2026
Splits
Last Split1:3
Split DateNov 19, 2020
Analyst Consensus
Rating—
Target (Mean)—
Target Range—
# Analysts—
Ownership
Shares Out.20.67M
Float13.87M
Insiders16.66%
Institutions4.03%
Short Interest
Short Ratio1.1d
Short % Float0.50%
Short % Out.0.23%
Shares Short84.60K
Short (prev mo.)121.43K
Technical
SMA 505.245 (+0.9%)
SMA 2005.080 (+4.1%)
Beta0.43
S&P 52W Chg15.78%
Avg Vol (30d)72.57K
Avg Vol (10d)43.90K
Technical Indicators
RSI (14)54.6
MACD-0.0387
MACD Signal-0.0437
MACD Hist.+0.0050
BB Upper5.387 USD
BB Middle5.101 USD
BB Lower4.815 USD
BB Width11.23%
ATR (14)0.2340 USD
Vol Ratio (20d)1.01x