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X Financial (XYF)
NYSE:XYF
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XYF
X Financial
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X Financial (XYF) Ratios

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X Financial Ratios

XYF's free cash flow for Q4 2025 was ¥0.66. For the 2025 fiscal year, XYF's free cash flow was decreased by ¥ and operating cash flow was ¥0.03. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 17.74 15.93 6.73 5.10 9.78
Quick Ratio
 17.74 15.93 6.73 5.10 9.78
Cash Ratio
 10.68 5.21 3.96 3.22 6.45
Solvency Ratio
 0.18 0.21 0.32 0.21 0.20
Operating Cash Flow Ratio
 4.16 3.58 2.05 0.91 0.88
Short-Term Operating Cash Flow Coverage
 4.16 3.58 4.64 1.44 4.60
Net Current Asset Value
¥ 437.92M¥ -291.07M¥ 134.92M¥ -1.21B¥ -489.88M
Leverage Ratios
Debt-to-Assets Ratio
 0.03 0.03 0.03 0.05 <0.01
Debt-to-Equity Ratio
 0.05 0.05 0.05 0.10 0.02
Debt-to-Capital Ratio
 0.04 0.05 0.05 0.09 0.02
Long-Term Debt-to-Capital Ratio
 0.00 0.00 0.00 0.00 0.00
Financial Leverage Ratio
 1.75 1.87 1.70 1.99 1.86
Debt Service Coverage Ratio
 1.10 3.48 1.73 0.63 0.92
Interest Coverage Ratio
 0.93 0.00 1.18 1.07 1.46
Debt to Market Cap
 1.58 1.54 0.11 0.44 0.06
Interest Debt Per Share
 251.51 60.47 39.96 40.58 17.34
Net Debt to EBITDA
 -1.67 -1.01 -0.70 -1.57 -1.87
Profitability Margins
Gross Profit Margin
58.16%73.55%66.62%48.76%56.92%
EBIT Margin
32.19%22.99%63.02%44.81%52.51%
EBITDA Margin
32.22%22.99%63.14%44.97%52.79%
Operating Profit Margin
18.74%21.43%31.91%44.81%52.51%
Pretax Profit Margin
20.36%22.99%33.13%44.18%52.00%
Net Profit Margin
16.46%19.17%26.23%36.21%34.95%
Continuous Operations Profit Margin
16.46%19.17%26.23%36.21%34.95%
Net Income Per EBT
80.85%83.39%79.15%81.97%67.21%
EBT Per EBIT
108.66%107.29%103.83%98.59%99.03%
Return on Assets (ROA)
7.70%9.71%13.03%10.19%9.19%
Return on Equity (ROE)
13.36%18.17%22.15%20.30%17.08%
Return on Capital Employed (ROCE)
9.00%11.16%16.92%13.66%14.40%
Return on Invested Capital (ROIC)
7.08%9.05%13.00%10.64%9.60%
Return on Tangible Assets
7.72%9.73%13.07%10.22%9.23%
Earnings Yield
492.64%536.83%52.62%92.37%73.91%
Efficiency Ratios
Receivables Turnover
 0.93 2.36 2.87 1.95 1.94
Payables Turnover
 1.10 0.00 7.60 9.34 5.13
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 240.70 310.73 370.85 379.22 396.36
Asset Turnover
 0.47 0.51 0.50 0.28 0.26
Working Capital Turnover Ratio
 1.05 1.43 1.48 0.95 0.79
Cash Conversion Cycle
 143.36 154.62 79.22 148.47 117.29
Days of Sales Outstanding
 143.36 154.62 127.27 187.56 188.44
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 48.05 39.09 71.15
Operating Cycle
 143.36 154.62 127.27 187.56 188.44
Cash Flow Ratios
Operating Cash Flow Per Share
 225.64 216.54 31.65 16.95 6.12
Free Cash Flow Per Share
 222.27 213.31 31.35 16.78 6.00
CapEx Per Share
 3.36 3.23 0.30 0.18 0.11
Free Cash Flow to Operating Cash Flow
 0.99 0.99 0.99 0.99 0.98
Dividend Paid and CapEx Coverage Ratio
 8.31 8.31 11.64 12.17 53.29
Capital Expenditure Coverage Ratio
 67.07 67.07 107.11 96.14 53.29
Operating Cash Flow Coverage Ratio
 4.16 3.58 4.46 1.41 3.96
Operating Cash Flow to Sales Ratio
 0.23 0.20 0.26 0.25 0.14
Free Cash Flow Yield
655.08%544.74%51.56%62.71%28.82%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 0.20 0.19 1.90 1.08 1.35
Price-to-Sales (P/S) Ratio
 0.04 0.04 0.50 0.39 0.47
Price-to-Book (P/B) Ratio
 0.03 0.03 0.42 0.22 0.23
Price-to-Free Cash Flow (P/FCF) Ratio
 0.15 0.18 1.94 1.59 3.47
Price-to-Operating Cash Flow Ratio
 0.15 0.18 1.92 1.58 3.40
Price-to-Earnings Growth (PEG) Ratio
 >-0.01 0.02 0.06 0.02 0.57
Price-to-Fair Value
 0.03 0.03 0.42 0.22 0.23
Enterprise Value Multiple
 -1.56 -0.85 0.09 -0.70 -0.97
Enterprise Value
 -3.19B -1.46B 325.07M -1.04B -1.19B
EV to EBITDA
 -1.56 -0.85 0.09 -0.70 -0.97
EV to Sales
 -0.50 -0.20 0.06 -0.32 -0.51
EV to Free Cash Flow
 -2.21 -1.01 0.22 -1.28 -3.77
EV to Operating Cash Flow
 -2.17 -0.99 0.21 -1.27 -3.70
Tangible Book Value Per Share
 1.18K 1.15K 143.68 121.00 89.43
Shareholders’ Equity Per Share
 1.19K 1.16K 144.44 121.77 90.12
Tax and Other Ratios
Effective Tax Rate
 0.19 0.17 0.21 0.18 0.33
Revenue Per Share
 974.33 1.10K 121.98 68.25 44.05
Net Income Per Share
 160.42 210.21 31.99 24.72 15.40
Tax Burden
 0.81 0.83 0.79 0.82 0.67
Interest Burden
 0.63 1.00 0.53 0.99 0.99
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.03 0.00 0.04 0.05 0.06
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 0.01 0.02
Income Quality
 1.00 1.00 0.99 0.69 0.40
Currency in CNY