XYF Historical Financial Ratios

XYF Stock

USD 15.31 2.31 17.77%

X Financial is currently reporting on over 122 different financial statement accounts. To analyze all of these accounts together requires a lot of time and effort. However, using these accounts to derive some meaningful and actionable indicators such as Price To Sales Ratio of 0.11, Dividend Yield of 0.34, PTB Ratio of 0.0392 or Days Sales Outstanding of 308 will help investors to properly organize and evaluate X Financial Class financial condition quickly.

Quick Ratio Current Ratio

Check out Your Current Watchlist to better understand how to build diversified portfolios, which includes a position in X Financial Class. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in manufacturing.

About XYF Financial Ratios Analysis

X Financial ClassFinancial ratios are relationships based on a company's financial information. They can serve as useful tools to evaluate X Financial investment potential. Financial ratio analysis can also be defined as the process of presenting financial ratios, which are mathematical indicators calculated by comparing key financial information appearing on XYF financial statements. Financial ratios are useful tools that help investors analyze and compare relationships between different pieces of financial information across X Financial history.

X Financial Financial Ratios Chart

At this time, X Financial's Book Value Per Share is most likely to increase significantly in the upcoming years. The X Financial's current Free Cash Flow Yield is estimated to increase to 0.60, while Average Payables is projected to decrease to roughly 58.9 M.

Dividend Yield Ptb Ratio Book Value Per Share Average Payables

Add Fundamental

Dividend Yield

Dividend Yield is X Financial Class dividend as a percentage of X Financial stock price. X Financial Class dividend yield is a measure of X Financial stock productivity, which can be interpreted as interest rate earned on an X Financial investment. A financial ratio that shows how much a company pays out in dividends each year relative to its stock price, calculated as annual dividends per share divided by price per share.

Ptb Ratio

Price-to-Book ratio, a financial valuation metric used to compare a company's current market price to its book value. It provides insight into the value that market participants place on the company's equity relative to its net asset value.

Book Value Per Share

The ratio of equity available to common shareholders divided by the number of outstanding shares. This measure represents the value per share of a company according to its financial statements.

Average Payables

The average amount owed to suppliers and creditors over a specific period, reflecting the company's payment cycle and credit terms with suppliers.

Most ratios from X Financial's fundamentals are interrelated and interconnected. However, analyzing fundamentals ratios one by one will only give a small insight into X Financial Class current financial condition. On the other hand, looking into the entire matrix of fundamentals ratios, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Your Current Watchlist to better understand how to build diversified portfolios, which includes a position in X Financial Class. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in manufacturing.

	2022	2023	2024	2025 (projected)
PB Ratio	0.0385	0.0359	0.0413	0.0392
Capex To Depreciation	0.91	1.61	1.85	1.76

Pb Ratio Capex To Depreciation

X Financial fundamentals Correlations

	Price To Sales Ratio	Dividend Yield	Ptb Ratio	Days Sales Outstanding	Book Value Per Share	Free Cash Flow Yield	Operating Cash Flow Per Share	Average Payables	Capex To Depreciation	Pb Ratio	Ev To Sales	Free Cash Flow Per Share	Roic	Inventory Turnover	Net Income Per Share	Days Of Inventory On Hand	Payables Turnover	Average Inventory	Capex To Revenue	Cash Per Share	Pocfratio	Interest Coverage	Payout Ratio	Capex To Operating Cash Flow	Pfcf Ratio	Days Payables Outstanding
Price To Sales Ratio		-0.52	-0.99	0.69	0.88	0.24	0.23	0.79	0.27	-0.99	1.0	0.17	0.65	-0.42	0.59	-0.51	0.06	-0.72	0.61	0.71	-0.15	-0.57	-0.64	0.24	-0.94	0.05
Dividend Yield	-0.52		0.56	-0.11	-0.51	-0.02	-0.1	-0.84	0.2	0.56	-0.53	-0.14	-0.04	0.13	-0.1	0.67	-0.38	0.71	-0.02	-0.87	0.36	0.71	0.91	0.18	0.39	0.19
Ptb Ratio	-0.99	0.56		-0.66	-0.91	-0.25	-0.28	-0.84	-0.27	1.0	-0.99	-0.22	-0.62	0.45	-0.59	0.48	-0.09	0.77	-0.6	-0.75	0.15	0.62	0.69	-0.24	0.93	-0.02
Days Sales Outstanding	0.69	-0.11	-0.66		0.71	0.77	0.57	0.4	0.3	-0.66	0.67	0.52	0.97	-0.46	0.95	-0.12	-0.13	-0.31	0.64	0.38	-0.03	0.14	-0.26	0.25	-0.66	0.24
Book Value Per Share	0.88	-0.51	-0.91	0.71		0.53	0.62	0.82	0.22	-0.91	0.88	0.58	0.66	-0.72	0.76	-0.2	-0.02	-0.71	0.56	0.67	-0.21	-0.53	-0.71	0.13	-0.78	0.08
Free Cash Flow Yield	0.24	-0.02	-0.25	0.77	0.53		0.87	0.19	0.02	-0.25	0.21	0.89	0.71	-0.65	0.89	0.25	-0.07	-0.1	0.28	0.17	-0.16	0.29	-0.22	-0.08	-0.15	0.13
Operating Cash Flow Per Share	0.23	-0.1	-0.28	0.57	0.62	0.87		0.37	0.22	-0.28	0.21	0.98	0.56	-0.7	0.77	0.4	0.01	-0.32	0.38	0.21	-0.19	0.05	-0.31	-0.09	-0.11	-0.01
Average Payables	0.79	-0.84	-0.84	0.4	0.82	0.19	0.37		0.2	-0.84	0.8	0.33	0.38	-0.35	0.41	-0.48	0.3	-0.9	0.45	0.89	-0.28	-0.74	-0.89	0.03	-0.67	-0.15
Capex To Depreciation	0.27	0.2	-0.27	0.3	0.22	0.02	0.22	0.2		-0.27	0.27	0.0	0.45	0.11	0.22	0.16	-0.03	-0.34	0.91	-0.02	-0.09	0.06	0.23	0.1	-0.21	-0.02
Pb Ratio	-0.99	0.56	1.0	-0.66	-0.91	-0.25	-0.28	-0.84	-0.27		-0.99	-0.22	-0.62	0.45	-0.59	0.48	-0.09	0.77	-0.6	-0.75	0.15	0.62	0.69	-0.24	0.93	-0.02
Ev To Sales	1.0	-0.53	-0.99	0.67	0.88	0.21	0.21	0.8	0.27	-0.99		0.15	0.62	-0.41	0.57	-0.52	0.06	-0.72	0.6	0.72	-0.15	-0.59	-0.65	0.24	-0.94	0.04
Free Cash Flow Per Share	0.17	-0.14	-0.22	0.52	0.58	0.89	0.98	0.33	0.0	-0.22	0.15		0.48	-0.75	0.75	0.38	0.01	-0.24	0.19	0.22	-0.17	0.04	-0.36	-0.12	-0.07	0.0
Roic	0.65	-0.04	-0.62	0.97	0.66	0.71	0.56	0.38	0.45	-0.62	0.62	0.48		-0.34	0.92	-0.05	-0.06	-0.3	0.74	0.33	0.09	0.2	-0.14	0.36	-0.65	0.16
Inventory Turnover	-0.42	0.13	0.45	-0.46	-0.72	-0.65	-0.7	-0.35	0.11	0.45	-0.41	-0.75	-0.34		-0.63	-0.27	0.16	0.22	-0.12	-0.15	0.28	0.28	0.46	0.14	0.31	-0.09
Net Income Per Share	0.59	-0.1	-0.59	0.95	0.76	0.89	0.77	0.41	0.22	-0.59	0.57	0.75	0.92	-0.63		0.1	-0.11	-0.28	0.55	0.33	0.01	0.14	-0.29	0.24	-0.56	0.18
Days Of Inventory On Hand	-0.51	0.67	0.48	-0.12	-0.2	0.25	0.4	-0.48	0.16	0.48	-0.52	0.38	-0.05	-0.27	0.1		-0.17	0.56	-0.04	-0.75	0.35	0.52	0.56	0.17	0.4	-0.06
Payables Turnover	0.06	-0.38	-0.09	-0.13	-0.02	-0.07	0.01	0.3	-0.03	-0.09	0.06	0.01	-0.06	0.16	-0.11	-0.17		-0.25	-0.02	0.23	-0.01	-0.22	-0.27	0.01	-0.05	-0.95
Average Inventory	-0.72	0.71	0.77	-0.31	-0.71	-0.1	-0.32	-0.9	-0.34	0.77	-0.72	-0.24	-0.3	0.22	-0.28	0.56	-0.25		-0.53	-0.87	0.48	0.76	0.77	0.18	0.52	0.1
Capex To Revenue	0.61	-0.02	-0.6	0.64	0.56	0.28	0.38	0.45	0.91	-0.6	0.6	0.19	0.74	-0.12	0.55	-0.04	-0.02	-0.53		0.27	-0.12	-0.06	-0.06	0.18	-0.54	0.05
Cash Per Share	0.71	-0.87	-0.75	0.38	0.67	0.17	0.21	0.89	-0.02	-0.75	0.72	0.22	0.33	-0.15	0.33	-0.75	0.23	-0.87	0.27		-0.31	-0.67	-0.87	-0.05	-0.59	0.0
Pocfratio	-0.15	0.36	0.15	-0.03	-0.21	-0.16	-0.19	-0.28	-0.09	0.15	-0.15	-0.17	0.09	0.28	0.01	0.35	-0.01	0.48	-0.12	-0.31		0.39	0.43	0.92	-0.2	-0.06
Interest Coverage	-0.57	0.71	0.62	0.14	-0.53	0.29	0.05	-0.74	0.06	0.62	-0.59	0.04	0.2	0.28	0.14	0.52	-0.22	0.76	-0.06	-0.67	0.39		0.78	0.18	0.43	0.19
Payout Ratio	-0.64	0.91	0.69	-0.26	-0.71	-0.22	-0.31	-0.89	0.23	0.69	-0.65	-0.36	-0.14	0.46	-0.29	0.56	-0.27	0.77	-0.06	-0.87	0.43	0.78		0.21	0.48	0.11
Capex To Operating Cash Flow	0.24	0.18	-0.24	0.25	0.13	-0.08	-0.09	0.03	0.1	-0.24	0.24	-0.12	0.36	0.14	0.24	0.17	0.01	0.18	0.18	-0.05	0.92	0.18	0.21		-0.55	-0.05
Pfcf Ratio	-0.94	0.39	0.93	-0.66	-0.78	-0.15	-0.11	-0.67	-0.21	0.93	-0.94	-0.07	-0.65	0.31	-0.56	0.4	-0.05	0.52	-0.54	-0.59	-0.2	0.43	0.48	-0.55		-0.03
Days Payables Outstanding	0.05	0.19	-0.02	0.24	0.08	0.13	-0.01	-0.15	-0.02	-0.02	0.04	0.0	0.16	-0.09	0.18	-0.06	-0.95	0.1	0.05	0.0	-0.06	0.19	0.11	-0.05	-0.03

Click cells to compare fundamentals

X Financial Account Relationship Matchups

X Financial fundamentals Accounts

	2020	2021	2022	2023	2024	2025 (projected)
Price To Sales Ratio	0.34	0.24	(1.89)	0.12	0.11	0.1
Ptb Ratio	0.0379	0.044	0.0385	0.0359	0.0413	0.0392
Days Sales Outstanding	(2.9K)	201.4	284.76	325.93	293.34	308.01
Book Value Per Share	57.45	72.48	90.12	120.61	108.55	113.98
Free Cash Flow Yield	(0.98)	0.43	0.29	0.64	0.58	0.6
Operating Cash Flow Per Share	(12.69)	8.19	6.12	16.79	15.11	15.87
Stock Based Compensation To Revenue	(1.3)	0.0585	0.0348	0.0226	0.0203	0.0213
Capex To Depreciation	0.45	0.32	0.91	1.61	1.85	1.76
Pb Ratio	0.0379	0.044	0.0385	0.0359	0.0413	0.0392
Ev To Sales	9.84	(0.58)	(0.78)	(0.56)	(0.51)	(0.53)
Free Cash Flow Per Share	(12.79)	8.14	6.0	16.62	14.96	15.7
Roic	0.32	0.38	(0.57)	0.23	0.17	0.18
Net Income Per Share	(24.31)	15.04	15.4	24.48	22.03	23.13
Days Of Inventory On Hand	(838.12)	(896.93)	(987.84)	(2.9)	(3.34)	(3.5)
Payables Turnover	18.3	24.54	11.71	17.23	15.51	13.44
Sales General And Administrative To Revenue	(2.91)	0.12	0.11	0.0989	0.089	0.0935
Capex To Revenue	(0.0872)	0.001733	0.003939	0.00449	0.004041	0.003839
Cash Per Share	31.01	39.51	44.99	24.66	22.19	19.98
Pocfratio	(0.17)	0.39	0.57	0.26	0.3	0.28
Interest Coverage	0.16	(0.38)	0.0616	0.0606	0.0697	0.0355
Capex To Operating Cash Flow	(0.007899)	0.005833	0.0188	0.0104	0.012	0.0114
Pfcf Ratio	(1.02)	2.35	3.47	1.56	1.8	2.97
Days Payables Outstanding	19.95	14.87	31.16	21.18	24.36	24.87
Income Quality	0.52	0.54	0.4	0.69	0.62	0.65
Roe	0.25	0.18	(0.42)	0.21	0.17	0.2
Ev To Operating Cash Flow	0.89	(1.94)	(3.7)	(1.3)	(1.5)	(1.42)
Pe Ratio	(0.0895)	0.21	0.23	0.18	0.16	0.17
Return On Tangible Assets	(0.17)	0.11	0.0923	0.1	0.092	0.0966
Ev To Free Cash Flow	0.88	(1.95)	(3.77)	(1.32)	(1.51)	(1.44)
Earnings Yield	(11.18)	4.72	4.43	5.65	5.09	5.34
Intangibles To Total Assets	0.004971	0.005014	0.004136	0.00316	0.002844	0.00286
Current Ratio	4.35	11.68	50.34	1.53	1.76	1.67
Tangible Book Value Per Share	56.75	71.81	89.43	119.85	107.86	113.26
Receivables Turnover	(0.13)	1.81	1.28	1.12	1.01	0.78
Shareholders Equity Per Share	57.43	72.48	90.12	120.61	108.55	113.98

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When determining whether X Financial Class is a strong investment it is important to analyze X Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact X Financial's future performance. For an informed investment choice regarding XYF Stock, refer to the following important reports:

How To Invest In XYF

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Is XYF Stock a good investment?

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What is X Financial's Net Worth?

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Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of X Financial. If investors know XYF will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about X Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

1.103

Dividend Share

3.066

Earnings Share

5.12

Revenue Per Share

121.978

Quarterly Revenue Growth

0.433

The market value of X Financial Class is measured differently than its book value, which is the value of XYF that is recorded on the company's balance sheet. Investors also form their own opinion of X Financial's value that differs from its market value or its book value, called intrinsic value, which is X Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because X Financial's market value can be influenced by many factors that don't directly affect X Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between X Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if X Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, X Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Price To Sales Ratio	Dividend Yield
Ptb Ratio	Days Sales Outstanding
Book Value Per Share	Free Cash Flow Yield
Invested Capital	Operating Cash Flow Per Share
Average Payables	Stock Based Compensation To Revenue
Capex To Depreciation	Pb Ratio
Ev To Sales	Free Cash Flow Per Share
Roic	Inventory Turnover
Net Income Per Share	Days Of Inventory On Hand
Payables Turnover	Sales General And Administrative To Revenue
Average Inventory	Research And Ddevelopement To Revenue
Capex To Revenue	Cash Per Share
Pocfratio	Interest Coverage
Payout Ratio	Capex To Operating Cash Flow
Pfcf Ratio	Days Payables Outstanding
Net Current Asset Value	Income Quality
Roe	Tangible Asset Value
Ev To Operating Cash Flow	Pe Ratio
Return On Tangible Assets	Ev To Free Cash Flow
Earnings Yield	Intangibles To Total Assets
Net Debt To E B I T D A	Current Ratio
Tangible Book Value Per Share	Receivables Turnover
Graham Number	Shareholders Equity Per Share
Debt To Equity	Capex Per Share
Graham Net Net	Average Receivables
Revenue Per Share	Interest Debt Per Share
Debt To Assets	Enterprise Value Over E B I T D A
Short Term Coverage Ratios	Price Earnings Ratio
Operating Cycle	Price Book Value Ratio
Price Earnings To Growth Ratio	Days Of Payables Outstanding
Dividend Payout Ratio	Price To Operating Cash Flows Ratio
Price To Free Cash Flows Ratio	Pretax Profit Margin
Ebt Per Ebit	Operating Profit Margin
Effective Tax Rate	Company Equity Multiplier
Long Term Debt To Capitalization	Total Debt To Capitalization
Return On Capital Employed	Debt Equity Ratio
Ebit Per Revenue	Quick Ratio
Dividend Paid And Capex Coverage Ratio	Net Income Per E B T
Cash Ratio	Cash Conversion Cycle
Operating Cash Flow Sales Ratio	Days Of Inventory Outstanding
Days Of Sales Outstanding	Free Cash Flow Operating Cash Flow Ratio
Cash Flow Coverage Ratios	Price To Book Ratio
Fixed Asset Turnover	Capital Expenditure Coverage Ratio
Price Cash Flow Ratio	Enterprise Value Multiple
Debt Ratio	Cash Flow To Debt Ratio
Price Sales Ratio	Return On Assets
Asset Turnover	Net Profit Margin
Gross Profit Margin	Price Fair Value
Return On Equity

XYF Historical Financial Ratios

About XYF Financial Ratios Analysis

X Financial Financial Ratios Chart

Dividend Yield

Ptb Ratio

Book Value Per Share

Average Payables

X Financial fundamentals Correlations

X Financial Account Relationship Matchups

High Positive Relationship

High Negative Relationship

X Financial fundamentals Accounts

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COMMON DESTINATIONS

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Ev To Sales	+ 1.0	Price To Sales Ratio
Pb Ratio	+ 1.0	Ptb Ratio
Free Cash Flow Per Share	+ 0.98	Operating Cash Flow Per Share
Roic	+ 0.97	Days Sales Outstanding
Net Income Per Share	+ 0.95	Days Sales Outstanding
Pfcf Ratio	+ 0.93	Ptb Ratio

Ev To Sales	- 0.99	Pb Ratio
Ev To Sales	- 0.99	Ptb Ratio
Pb Ratio	- 0.99	Price To Sales Ratio
Ptb Ratio	- 0.99	Price To Sales Ratio
Days Payables Outstanding	- 0.95	Payables Turnover
Pfcf Ratio	- 0.94	Ev To Sales