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X Financial (XYF)
:XYF
US Market
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X Financial (XYF) Ratios

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X Financial Ratios

XYF's free cash flow for Q1 2025 was ¥0.42. For the 2025 fiscal year, XYF's free cash flow was decreased by ¥ and operating cash flow was ¥0.38. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
13.47 1.53 50.34 11.68 4.35
Quick Ratio
13.47 1.53 138.44 31.76 15.49
Cash Ratio
6.87 0.43 33.79 8.35 3.47
Solvency Ratio
0.29 0.21 0.20 0.25 -0.29
Operating Cash Flow Ratio
0.00 0.12 4.60 1.80 -1.42
Short-Term Operating Cash Flow Coverage
0.00 1.44 4.60 2.70 -1.94
Net Current Asset Value
¥ 489.23M¥ 4.51B¥ -549.91M¥ -450.35M¥ -2.38B
Leverage Ratios
Debt-to-Assets Ratio
0.03 0.05 <0.01 0.02 0.05
Debt-to-Equity Ratio
0.05 0.10 0.02 0.04 0.11
Debt-to-Capital Ratio
0.05 0.09 0.02 0.04 0.10
Long-Term Debt-to-Capital Ratio
0.00 0.00 0.00 0.00 0.00
Financial Leverage Ratio
1.77 1.99 1.86 1.85 2.45
Debt Service Coverage Ratio
0.63 0.65 0.03 0.05 0.07
Interest Coverage Ratio
-0.29 1.10 0.06 0.06 -0.38
Debt to Market Cap
0.59 0.44 0.38 0.95 3.01
Interest Debt Per Share
411.74 6.76 375.24 356.33 85.46
Net Debt to EBITDA
-1.26 -1.54 -2.13 -1.47 0.00
Profitability Margins
Gross Profit Margin
53.29%35.64%-48.65%-34.86%3867.01%
EBIT Margin
24.10%31.25%69.52%86.08%19.37%
EBITDA Margin
45.67%31.36%69.95%86.62%0.00%
Operating Profit Margin
-14.13%31.36%77.71%78.98%2615.25%
Pretax Profit Margin
43.95%29.83%79.58%78.76%2604.12%
Net Profit Margin
34.79%24.65%52.82%54.59%2116.51%
Continuous Operations Profit Margin
34.79%24.65%52.82%54.59%2127.58%
Net Income Per EBT
79.17%82.63%66.37%69.32%81.28%
EBT Per EBIT
-311.03%95.12%102.41%99.72%99.57%
Return on Assets (ROA)
12.77%10.19%9.19%11.24%-17.28%
Return on Equity (ROE)
24.10%20.30%17.08%20.76%-42.33%
Return on Capital Employed (ROCE)
-5.37%30.85%13.63%16.84%-22.80%
Return on Invested Capital (ROIC)
-4.08%22.85%19.09%23.43%-56.90%
Return on Tangible Assets
12.80%10.22%9.23%11.30%-17.37%
Earnings Yield
250.92%92.37%443.48%472.05%-1117.80%
Efficiency Ratios
Receivables Turnover
1.59 2.86 1.28 1.81 -0.13
Payables Turnover
0.00 17.23 11.71 24.54 18.30
Inventory Turnover
0.00 -125.79 -0.37 -0.41 -0.44
Fixed Asset Turnover
271.04 81.24 262.31 244.33 -5.52
Asset Turnover
0.37 0.41 0.17 0.21 >-0.01
Working Capital Turnover Ratio
0.89 1.37 0.50 0.71 -0.04
Cash Conversion Cycle
229.75 103.59 -734.24 -710.41 -3.76K
Days of Sales Outstanding
229.75 127.67 284.76 201.40 -2.90K
Days of Inventory Outstanding
0.00 -2.90 -987.84 -896.93 -838.12
Days of Payables Outstanding
0.00 21.18 31.16 14.87 19.95
Operating Cycle
229.75 124.77 -703.08 -695.53 -3.74K
Cash Flow Ratios
Operating Cash Flow Per Share
0.00 2.83 6.12 8.19 -12.69
Free Cash Flow Per Share
0.00 2.80 6.00 8.14 -12.79
CapEx Per Share
0.00 0.03 0.11 0.05 0.10
Free Cash Flow to Operating Cash Flow
0.00 0.99 0.98 0.99 1.01
Dividend Paid and CapEx Coverage Ratio
0.00 12.17 53.29 171.44 -126.59
Capital Expenditure Coverage Ratio
0.00 96.14 53.29 171.44 -126.59
Operating Cash Flow Coverage Ratio
0.00 1.41 3.96 2.70 -1.94
Operating Cash Flow to Sales Ratio
0.00 0.17 0.21 0.30 11.04
Free Cash Flow Yield
0.00%10.45%28.82%42.56%-97.98%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
0.40 1.08 0.23 0.21 -0.09
Price-to-Sales (P/S) Ratio
0.14 0.27 0.12 0.12 -1.89
Price-to-Book (P/B) Ratio
0.09 0.22 0.04 0.04 0.04
Price-to-Free Cash Flow (P/FCF) Ratio
0.00 1.59 0.58 0.39 -0.17
Price-to-Operating Cash Flow Ratio
0.00 1.58 0.57 0.39 -0.17
Price-to-Earnings Growth (PEG) Ratio
<0.01 0.02 0.09 >-0.01 <0.01
Price-to-Fair Value
0.09 0.22 0.04 0.04 0.04
Enterprise Value Multiple
-0.96 -0.69 -1.96 -1.33 0.00
Enterprise Value
-2.21B 5.39B -1.19B -869.53M -605.08M
EV to EBITDA
-0.96 3.57 -1.11 -0.66 0.00
EV to Sales
-0.44 1.12 -0.78 -0.58 9.84
EV to Free Cash Flow
0.00 6.69 -3.77 -1.95 0.88
EV to Operating Cash Flow
0.00 6.62 -3.70 -1.94 0.89
Tangible Book Value Per Share
652.45 20.17 89.43 71.81 56.75
Shareholders’ Equity Per Share
1.10K 20.29 90.12 72.48 57.43
Tax and Other Ratios
Effective Tax Rate
0.22 0.17 0.32 0.31 0.19
Revenue Per Share
718.79 16.71 29.15 27.55 -1.15
Net Income Per Share
250.09 4.12 15.40 15.04 -24.31
Tax Burden
0.79 0.83 0.66 0.69 0.81
Interest Burden
1.82 0.95 1.14 0.91 134.41
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.04 0.04 0.11 0.12 -2.91
Stock-Based Compensation to Revenue
<0.01 <0.01 0.03 0.06 -1.30
Income Quality
0.00 0.69 0.40 0.54 0.52
Currency in CNY
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