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X Financial (XYF)
NYSE:XYF
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X Financial
(NYSE:XYF)
Rating:80Outperform
Price Target:―
X Financial (XYF) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$563.19M
Dividend Yield3%
Average Volume (3M)453.30K
Price to Earnings (P/E)2.8
Beta (1Y)0.27
Revenue Growth30.67%
EPS Growth34.26%
CountryUS
Employees563
SectorFinancial
Sector Strength64
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)1.76
Shares Outstanding25,942,728
10 Day Avg. Volume369,294
30 Day Avg. Volume453,298
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)0.00
Price to Sales (P/S)0.00
P/FCF Ratio0.00
Enterprise Value/Market Cap0.22
Enterprise Value/Revenue0.03
Enterprise Value/Gross Profit0.09
Enterprise Value/Ebitda0.12
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
X Financial Business Overview & Revenue Model
Company DescriptionX Financial (XYF) is a leading technology-driven personal finance company in China that provides a comprehensive suite of financial services. The company operates primarily in the online consumer finance sector, offering products such as personal loans and wealth management solutions. X Financial leverages advanced technology and data analytics to offer tailored financial solutions to its clients while ensuring a user-friendly experience.
How the Company Makes MoneyX Financial makes money through its online platform by facilitating personal loans and offering wealth management products. The company earns revenue primarily from service fees charged to borrowers for loan facilitation and management. Additionally, X Financial generates income from interest rate spreads, which is the difference between the interest rate charged to borrowers and the rate paid to investors. Partnerships with financial institutions and third-party service providers also contribute to its revenue streams. The company's robust risk management and data analytics capabilities enhance its ability to assess borrower creditworthiness and manage investment portfolios effectively, further supporting its revenue generation.
X Financial Earnings Call Summary
Earnings Call Date:Aug 18, 2025
(Q1-2025)
| % Change Since: 4.82%|
Next Earnings Date:Nov 25, 2025
Earnings Call Sentiment Positive
The earnings call reflects a strong performance for X Financial in the first quarter of 2025, showcasing significant growth in loan origination, revenue, and earnings. Improvements in asset quality and operational efficiency further contribute to a positive outlook. However, potential regulatory challenges and a slight increase in delinquency rates pose concerns that need monitoring. Overall, the positive aspects significantly outweigh the lowlights.Q1-2025 Updates
Positive Updates
Strong Loan Origination Growth
Facilitated RMB35.15 billion in loans, an 8.8% sequential increase and 63.4% growth year-over-year, reflecting solid borrower demand.
Significant Revenue Increase
Total revenue reached RMB1.94 billion, up 13.4% from Q4 and over 60% year-over-year, driven by higher borrower volumes and originations.
Improved Asset Quality
31 to 60-day delinquency rate improved to 1.25%, a 22% reduction year-over-year, and the 91 to 180-day delinquency rate decreased to 2.7%, a 37% reduction year-over-year.
Operational Efficiency Gains
Income from operations expanded to RMB573 million, up 52% year-over-year, demonstrating improved operational leverage and disciplined expense management.
Positive Earnings Growth
Non-GAAP adjusted net income for Q1 reached RMB457 million, a 44.9% increase year-over-year, with basic earnings per ADS improving by approximately 45.6%.
New Share Repurchase Plan
Authorized a new share repurchase plan allowing buybacks up to $100 million worth of Class A shares and ADS.
Negative Updates
Potential Regulatory Challenges
The regulatory environment in China remains dynamic with increased oversight expected, which may introduce higher compliance requirements.
Delinquency Rate Concerns
Despite improvements, a slight uptick in the delinquency rate was noted compared to last year, although management states it's within a healthy range.
Company Guidance
During the first quarter of 2025, X Financial reported significant growth, with loan originations reaching RMB35.15 billion, marking an 8.8% sequential increase and 63.4% year-over-year growth. The company's total revenue rose to RMB1.94 billion, up 13.4% from the previous quarter and over 60% compared to the same period last year. Delinquency rates showed improvement, with the 31 to 60-day delinquency rate dropping to 1.25% from 1.61% a year ago, and the 91 to 180-day rate decreasing to 2.7% from 4.7%. Operational efficiency was evident with a 52% year-over-year increase in income from operations to RMB573 million and a 44.9% rise in non-GAAP adjusted net income to RMB457 million. Return on equity improved to 25.5%, and a new share repurchase plan authorized up to $100 million in share buybacks. Looking ahead, X Financial expects second-quarter loan facilitation between RMB37.5 billion to RMB39.5 billion.X Financial Financial Statement Overview
Summary
X Financial demonstrates strong financial performance with notable revenue and net income growth. The balance sheet is solid with low leverage and effective equity utilization. However, negative gross profit suggests potential issues with cost management or pricing strategy. Cash flow metrics are robust, indicating solid cash generation and financial stability.Income Statement
The company has shown strong revenue growth from 2022 to 2023 with a 22.66% increase. However, gross profit is negative, indicating cost of goods sold exceeds revenue. The net profit margin is impressive at 62.94% for 2023, reflecting effective cost management beyond direct costs, but EBIT and EBITDA margins are not available for 2023.70
Positive
Balance Sheet
The company's balance sheet reveals a healthy equity position with an equity ratio of 50.19% in 2023. The debt-to-equity ratio is low at 0.10, indicating minimal leverage risk. The return on equity is strong at 20.29%, reflecting effective utilization of equity, but the negative gross profit might indicate operational inefficiencies.65
Positive
Cash Flow
Operating cash flow has significantly improved, showing strong cash generation capability. The free cash flow to net income ratio is 0.68, indicating a substantial portion of income being converted to free cash flow. Both free cash flow and operating cash flow have shown robust growth, enhancing liquidity and financial flexibility.75
Positive
| Breakdown | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 2.56B | 4.81B | 1.54B | 1.51B | -61.50M |
| Gross Profit | 2.56B | 1.72B | -488.13M | -527.09M | -2.38B |
| EBITDA | 0.00 | 1.51B | 1.08B | 1.31B | 0.00 |
| Net Income | 1.54B | 1.19B | 812.00M | 825.41M | -1.31B |
Balance Sheet | |||||
| Total Assets | 11.82B | 11.65B | 8.84B | 7.34B | 7.50B |
| Cash, Cash Equivalents and Short-Term Investments | 2.94B | 1.20B | 2.37B | 2.17B | 1.66B |
| Total Debt | 341.23M | 577.85M | 81.51M | 178.83M | 367.42M |
| Total Liabilities | 4.87B | 5.80B | 4.08B | 3.37B | 4.42B |
| Stockholders Equity | 6.95B | 5.85B | 4.75B | 3.98B | 3.07B |
Cash Flow | |||||
| Free Cash Flow | 1.51B | 805.67M | 316.65M | 446.55M | -684.60M |
| Operating Cash Flow | 1.52B | 814.14M | 322.70M | 449.17M | -679.23M |
| Investing Cash Flow | 122.03M | -1.11B | -913.39M | -2.35B | -3.70B |
| Financing Cash Flow | -1.94B | 1.23B | 576.35M | 1.30B | 4.49B |
X Financial Technical Analysis
Negative
13.48
Price Trends
16.67
Negative
15.52
Negative
11.94
Positive
Market Momentum
-0.97
Positive
30.83
Neutral
24.31
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For XYF, the sentiment is Negative. The current price of 13.48 is below the 20-day moving average (MA) of 14.42, below the 50-day MA of 16.67, and above the 200-day MA of 11.94, indicating a neutral trend. The MACD of -0.97 indicates Positive momentum. The RSI at 30.83 is Neutral, neither overbought nor oversold. The STOCH value of 24.31 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for XYF.
X Financial Risk Analysis
X Financial disclosed 84 risk factors in its most recent earnings report. X Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
X Financial Peers Comparison
Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $563.19M | 2.82 | 24.00% | 3.00% | 30.67% | 34.26% | |
74 Outperform | $927.95M | 10.79 | 22.83% | ― | 19.27% | 34.76% | |
74 Outperform | $508.93M | 2.76 | 14.69% | 6.62% | 12.45% | -36.64% | |
73 Outperform | $783.49M | 11.97 | 4.76% | 9.81% | -18.39% | -45.23% | |
68 Neutral | $17.52B | 11.65 | 10.45% | 3.85% | 9.69% | 1.92% | |
55 Neutral | $770.86M | ― | -3.27% | ― | 43.15% | 94.09% | |
54 Neutral | $2.05B | ― | -21.39% | ― | 0.11% | -914.42% |
* Financial Sector Average
Performance Comparison
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HIPO
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30.80
11.18
56.98%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.