X Financial/$XYF
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About X Financial
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, guarantee services provided and financing income.
Ticker
$XYF
Sector
Primary listing
NYSE
Employees
643
Headquarters
Website
X Financial Metrics
BasicAdvanced
$181m
0.90
$5.21
0.36
$0.79
11.55%
Price and volume
Market cap
$181m
Beta
0.36
52-week high
$20.36
52-week low
$3.30
Average daily volume
129k
Dividend rate
$0.79
Financial strength
Current ratio
5.028
Quick ratio
1.693
Long term debt to equity
0.444
Total debt to equity
5.67
Dividend payout ratio (TTM)
10.57%
Interest coverage (TTM)
256.53%
Profitability
EBITDA (TTM)
715.883
Gross margin (TTM)
69.10%
Net profit margin (TTM)
19.17%
Operating margin (TTM)
63.31%
Effective tax rate (TTM)
16.61%
Revenue per employee (TTM)
$1,755,860
Management effectiveness
Return on assets (TTM)
22.83%
Return on equity (TTM)
19.80%
Valuation
Price to earnings (TTM)
0.905
Price to revenue (TTM)
0.17
Price to book
0.02
Price to tangible book (TTM)
0.02
Price to free cash flow (TTM)
0.896
Free cash flow yield (TTM)
111.56%
Free cash flow per share (TTM)
5.255
Dividend yield (TTM)
16.69%
Forward dividend yield
11.55%
Growth
Revenue change (TTM)
30.10%
Earnings per share change (TTM)
11.81%
3-year revenue growth (CAGR)
28.95%
3-year earnings per share growth (CAGR)
32.56%
X Financial Financial Performance
Revenues and expenses
X Financial Earnings Performance
Company profitability
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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