X Financial

NYSE:XYF (China)

$ 4.13 -0.16 (-3.73%) 04:00 PM EST

1.30

P/B:

0.26

Market Cap:

$ 198.86M

Enterprise V:

$ -138.66M

Volume:

9.73K

Avg Vol (2M):

25.48K

Warning! GuruFocus detected 2 Good signs with XYF. Try a 7-Day Free Trial to check it out.

Volume:

9.73K

Market Cap $:

198.86M

PE Ratio:

1.30

Avg Vol (2M):

25.48K

Enterprise Value $:

-138.66M

PB Ratio:

0.26

Business Description

X Financial

NAICS : 522291 SIC : 6141

https://ir.xiaoyinggroup.com

No. 168, Haide Third Avenue, 7-8 Floors, Block A, Aerospace Science and Technology Plaza, Nanshan District, Shenzhen, CHN, 518067

Compare

FOAYRDCFNBMFINQDPMTSELVTNICKJTCPSSVMAAXPPYPLCOFBOM:500034DFSTSE:8591SYFALLY

Traded in other countries / regions

XYF.USA

IPO Date

2018-09-19

Description

X Financial is a Cayman Islands-based technology-driven personal finance company. Along with its subsidiaries, the firm provides diversified investment opportunities to investors in China through its wealth management platform, Xiaoying Wealth Management. Loan products offered by the company include Xiaoying Card Loan, Xiaoying Preferred Loan, and Xiaoying Housing Loan. The company generates revenue from loan facilitation service, post-origination service, and guarantee services provided.

Financial Strength

6/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	4.65
Equity-to-Asset	0.52
Debt-to-Equity	0.12
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	4/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-1.93	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	6.3
	3-Year EPS without NRI Growth Rate	1.6
	3-Year FCF Growth Rate	15.4
	3-Year Book Growth Rate	6.8

Momentum Rank

3/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	53.1
	9-Day RSI	50.26
	14-Day RSI	49.73
	6-1 Month Momentum %	32.43
	12-1 Month Momentum %	84.91

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	3.5
	Shareholder Yield %	-14.51

Profitability Rank

2/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	65.1
	ROE %	23.4
	ROA %	12.33
	Years of Profitability over Past 10-Year	5

GF Value Rank

3/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	1.3
	PE Ratio without NRI	1.3
	Price-to-Owner-Earnings	16.26
	PEG Ratio	0.08
	PS Ratio	0.82
	PB Ratio	0.26
	Price-to-Tangible-Book	0.27
	Price-to-Free-Cash-Flow	4.9
	Price-to-Operating-Cash-Flow	4.79
	EV-to-Revenue	-0.54
	EV-to-FCF	-2.88
	Price-to-Peter-Lynch-Fair-Value	0.14
	Price-to-Graham-Number	0.12
	Forward Rate of Return (Yacktman) %	10.2

Financials (Next Earnings Date:2023-11-17 Est.)

Annual Quarterly TTM

XYF's 30-Y Financials

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

See Details

Insider Trades

See Details

Gurus Latest Trades with NYSE:XYF

No Available Data

Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014

X Financial Executives

Details

GF Value: $4.02

XYF

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 2 Good signs with XYF. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil $)	248.796
	EPS (TTM) ($)	3.179
	Beta	0.52
	Volatility %	78.16
	14-Day RSI	49.73
	14-Day ATR ($)	0.239415
	20-Day SMA ($)	4.3365
	12-1 Month Momentum %	84.91
	52-Week Range ($)	1.62 - 5
	Shares Outstanding (Mil)	48.15

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	4
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

X Financial Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

X Financial Stock Events

	Event	Date	Price($)
No Event Data

X Financial Frequently Asked Questions

What is X Financial(XYF)'s stock price today?

The current price of XYF is $4.13. The 52 week high of XYF is $5.00 and 52 week low is $1.62.

When is next earnings date of X Financial(XYF)?

The next earnings date of X Financial(XYF) is 2023-11-17 Est..

Does X Financial(XYF) pay dividends? If so, how much?

X Financial(XYF) does not pay dividend.

Press Release

	Subject	Date
No Press Release

Headlines

No news.

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