X Financial Financials

XYF Stock  USD 12.61  0.55  4.18%   
X Financial Class is doing better financially today then in previous quarter. It has a moderate chance of reporting better financial numbers in April. At this time, X Financial's Property Plant And Equipment Net is most likely to increase significantly in the upcoming years. The X Financial's current Retained Earnings is estimated to increase to about 3.3 B, while Other Current Liabilities is forecasted to increase to (1.3 B). Key indicators impacting X Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.540.57
Notably Down
Very volatile
Debt Equity Ratio0.09810.11
Fairly Down
Slightly volatile
Current Ratio1.671.76
Notably Down
Slightly volatile
Investors should never underestimate X Financial's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor X Financial's cash flow, debt, and profitability to make informed and accurate decisions about investing in X Financial Class.

Cash And Equivalents

840.05 Million

  
Understanding current and past X Financial Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of X Financial's financial statements are interrelated, with each one affecting the others. For example, an increase in X Financial's assets may result in an increase in income on the income statement.

X Financial Stock Summary

X Financial competes with LM Funding, Eason Technology, Nisun International, Qudian, and FinVolution. X Financial provides personal finance services in the Peoples Republic of China. X Financial was founded in 2014 and is headquartered in Shenzhen, the Peoples Republic of China. X Financial operates under Credit Services classification in the United States and is traded on New York Stock Exchange. It employs 424 people.
Specialization
Financial Services, Financial Services
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS98372W2026
CUSIP98372W103 98372W202
LocationChina
Business AddressAerospace Science and
SectorConsumer Finance
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.xiaoyinggroup.com
Phone86 75 5862 82977
CurrencyUSD - US Dollar

X Financial Key Financial Ratios

X Financial Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets7.5B7.3B8.8B11.7B13.4B7.4B
Other Current Liab(477.2M)(249.6M)(791.1M)(1.5B)(1.3B)(1.3B)
Other Liab202.4M3.1B3.4B2.0B2.3B2.0B
Net Tangible Assets3.5B4.3B3.0B3.9B4.5B3.1B
Net Debt(1.3B)(1.9B)(2.3B)(2.3B)(2.1B)(2.2B)
Retained Earnings(14.6M)810.9M1.6B2.7B3.1B3.3B
Accounts Payable126.6M83.1M195.1M179.8M206.8M114.7M
Cash1.7B2.1B2.4B2.9B3.3B3.5B
Other Assets5.1B3.7B4.6B1.6K1.9K1.8K
Long Term Debt26.7M68.4M9.8M1.5B1.7B1.8B
Net Receivables413.3M747.5M1.2B1.7B1.9B1.0B
Good Will(380.0M)(258.0M)(99.2M)(36.5B)(32.9B)(31.2B)
Long Term Debt Total26.7M68.4M1.5B1.5B1.7B1.8B
Capital Surpluse2.8B3.0B3.1B3.2B3.6B2.7B
Inventory(5.3B)(5.0B)(6.2B)(24.6M)(22.2M)(23.3M)
Other Current Assets5.3B5.0B22.1M7.5B8.6B9.0B
Total Liab4.5B3.4B4.1B5.8B6.7B3.6B
Short Long Term Debt350.5M166.5M70.2M565M649.8M682.2M
Total Current Assets2.1B2.9B3.5B10.3B11.9B12.5B
Cash And Equivalents1.1B1.0B746.4M584.8M672.5M840.0M
Short Term Debt350.5M166.5M70.2M565M649.8M682.2M
Intangible Assets295.5M136.1M36.5B36.8M42.3M40.2M
Common Stock201K203K207K206.8K237.8K210.9K

X Financial Key Income Statement Accounts

202020212022202320242025 (projected)
Tax Provision(299.9M)368.7M389.4M249.4M286.9M301.2M
Net Interest Income634.6M691.6M970.0M1.1B1.3B1.3B
Interest Income634.6M691.6M970.0M1.1B1.3B1.3B
Total Revenue(61.5M)1.5B1.5B1.9B2.2B1.3B
Gross Profit(2.4B)(527.1M)(747.9M)(1.2B)(1.1B)(1.0B)
Operating Income(1.6B)1.2B1.2B1.4B1.7B1.7B
Ebit(1.6B)1.3B1.1B1.5B1.7B1.8B
Ebitda(1.6B)1.3B1.1B1.5B1.7B1.8B
Cost Of Revenue2.3B2.0B2.3B3.1B3.6B1.9B
Income Before Tax(1.6B)1.2B1.2B1.4B1.7B1.7B
Net Income(1.3B)825.4M812.0M1.2B1.4B1.4B
Income Tax Expense(299.9M)368.7M389.4M249.4M286.9M301.2M

X Financial Key Cash Accounts

202020212022202320242025 (projected)
Investments(9.5M)(2.3B)(913.4M)(1.1B)(995.7M)(1.0B)
Change In Cash78.2M(606.5M)14.9M937.5M1.1B1.1B
Net Borrowings(498.8M)2.8B4.5B(166.5M)(191.5M)(181.9M)
Free Cash Flow(684.6M)446.6M316.6M805.7M926.5M972.8M
Depreciation11.9M8.1M6.6M5.3M6.0M8.4M
Other Non Cash Items1.6B317.7M87.1M242.5M218.2M207.3M
Capital Expenditures5.4M2.6M6.1M8.5M7.6M7.2M
Net Income(1.3B)825.4M812.0M1.2B1.4B1.4B
End Period Cash Flow1.6B992.0M1.0B1.9B2.2B1.3B
Change To Netincome786.5M472.2M1.5B739.6M850.5M653.8M

XYF Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining X Financial's current stock value. Our valuation model uses many indicators to compare X Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across X Financial competition to find correlations between indicators driving X Financial's intrinsic value. More Info.
X Financial Class is rated third in return on equity category among its peers. It is rated fourth in return on asset category among its peers reporting about  0.47  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for X Financial Class is roughly  2.14 . At this time, X Financial's Return On Equity is most likely to increase slightly in the upcoming years. Comparative valuation analysis is a catch-all technique that is used if you cannot value X Financial by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

X Financial Class Systematic Risk

X Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. X Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on X Financial Class correlated with the market. If Beta is less than 0 X Financial generally moves in the opposite direction as compared to the market. If X Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one X Financial Class is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of X Financial is generally in the same direction as the market. If Beta > 1 X Financial moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in X Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various X Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of X Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.002574

At this time, X Financial's Price Earnings To Growth Ratio is most likely to increase slightly in the upcoming years.

X Financial March 21, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of X Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of X Financial Class. We use our internally-developed statistical techniques to arrive at the intrinsic value of X Financial Class based on widely used predictive technical indicators. In general, we focus on analyzing XYF Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build X Financial's daily price indicators and compare them against related drivers.

Complementary Tools for XYF Stock analysis

When running X Financial's price analysis, check to measure X Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy X Financial is operating at the current time. Most of X Financial's value examination focuses on studying past and present price action to predict the probability of X Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move X Financial's price. Additionally, you may evaluate how the addition of X Financial to your portfolios can decrease your overall portfolio volatility.
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