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X Financial (XYF)
NYSE:XYF
US Market
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X Financial (XYF) Stock Statistics & Valuation Metrics

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Total Valuation

X Financial has a market cap or net worth of $188.01M. The enterprise value is -$3.19B.
Market Cap$188.01M
Enterprise Value-$3.19B

Share Statistics

X Financial has 22,249,506 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding22,249,506
Owned by Insiders
Owned by Institutions0.14%

Financial Efficiency

X Financial’s return on equity (ROE) is 0.18 and return on invested capital (ROIC) is 9.05%.
Return on Equity (ROE)0.18
Return on Assets (ROA)0.10
Return on Invested Capital (ROIC)9.05%
Return on Capital Employed (ROCE)0.11
Revenue Per Employee13.20M
Profits Per Employee2.60M
Employee Count563
Asset Turnover0.51
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of X Financial is 0.2. X Financial’s PEG ratio is 0.02.
PE Ratio0.2
PS Ratio0.04
PB Ratio0.03
Price to Fair Value0.03
Price to FCF0.18
Price to Operating Cash Flow0.15
PEG Ratio0.02

Income Statement

In the last 12 months, X Financial had revenue of 7.43B and earned 1.42B in profits. Earnings per share was 210.18.
Revenue7.43B
Gross Profit5.47B
Operating Income1.59B
Pretax Income1.71B
Net Income1.42B
EBITDA1.71B
Earnings Per Share (EPS)210.18

Cash Flow

In the last 12 months, operating cash flow was 1.47B and capital expenditures -21.88M, giving a free cash flow of 1.45B billion.
Operating Cash Flow1.47B
Free Cash Flow1.45B
Free Cash Flow per Share64.98

Dividends & Yields

X Financial pays an annual dividend of $0.272, resulting in a dividend yield of 8.74%
Dividend Per Share$0.272
Dividend Yield8.74%
Payout Ratio9.28%
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta0.78
52-Week Price Change-71.33%
50-Day Moving Average4.49
200-Day Moving Average7.71
Relative Strength Index (RSI)54.85
Average Volume (3m)142.96K

Important Dates

X Financial upcoming earnings date is Aug 10, 2026, After Close (Confirmed).
Last Earnings DateMay 27, 2026
Next Earnings DateAug 10, 2026
Ex-Dividend Date

Financial Position

X Financial as a current ratio of 15.93, with Debt / Equity ratio of 4.56%
Current Ratio15.93
Quick Ratio15.93
Debt to Market Cap1.54
Net Debt to EBITDA-1.01
Interest Coverage Ratio0.00

Taxes

In the past 12 months, X Financial has paid 283.70M in taxes.
Income Tax283.70M
Effective Tax Rate0.17

Enterprise Valuation

X Financial EV to EBITDA ratio is -0.85, with an EV/FCF ratio of -1.01.
EV to Sales-0.20
EV to EBITDA-0.85
EV to Free Cash Flow-1.01
EV to Operating Cash Flow-0.99

Balance Sheet

X Financial has $3.38B in cash and marketable securities with $409.79M in debt, giving a net cash position of $2.97B billion.
Cash & Marketable Securities$3.38B
Total Debt$409.79M
Net Cash$2.97B
Net Cash Per Share$133.44
Tangible Book Value Per Share$1.15K

Margins

Gross margin is 58.16%, with operating margin of 21.43%, and net profit margin of 19.17%.
Gross Margin58.16%
Operating Margin21.43%
Pretax Margin22.99%
Net Profit Margin19.17%
EBITDA Margin22.99%
EBIT Margin22.99%

Analyst Forecast

The average price target for X Financial is ―, which is 11.43% higher than the current price. The consensus rating is ―
Price Target
Price Target Upside
Analyst Consensus
Analyst Count0
Revenue Growth Forecast5.56%
EPS Growth Forecast-27.35%

Scores

Smart Score3
AI Score