1. People's Republic of China Stocks

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    Financial Services

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    Financial - Credit Services
X Financial

X Financial

XYF
X FinancialUS flagNew York Stock Exchange
5.53
USD
-0.04
- -
36.78MMarket Cap

Total Valuation

X Financial carries a market capitalization of 36.78M, placing it among publicly traded companies globally. Its enterprise value stands at 6.86B, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.

Market Cap36.78M
Enterprise Value6.86B

Share Statistics

X Financial currently has 231.10M shares outstanding.

Shares Outstanding231.10M
Owned by Insiders (%)N/A
Owned by Institutions (%)N/A

Valuation Ratios

X Financial trades at a trailing price-to-earnings ratio of 2.27. The price-to-sales ratio is 0.23, and the price-to-book ratio stands at 0.98.

PE Ratio2.27
PS Ratio0.23
PB Ratio0.98
P/TBV Ratio0.98
P/FCF RatioN/A
P/OCF RatioN/A

Enterprise Valuation

The EV/Sales ratio of 1.23 reflects the premium investors are willing to pay for the company's revenue stream, while the EV/EBIT multiple of 9.63 provides insight into valuation relative to core operating earnings.

EV / Sales1.23
EV / EBITDA9.63
EV / EBIT9.63
EV / FCFN/A

Financial Position

X Financial maintains a current ratio of 2.17, meaning it holds 2.2x the short-term assets needed to cover near-term liabilities.

Current Ratio2.17
Quick Ratio1.72
Debt / Equity5.11
Debt / EBITDA0.56
Interest CoverageN/A

Financial Efficiency

X Financial posts a return on equity of 7.28 and a return on invested capital of 6.20.

Return on Equity (ROE)7.28
Return on Assets (ROA)4.37
Return on Invested Capital (ROIC)6.20
Return on Capital Employed (ROCE)N/A
Revenue Per EmployeeN/A
Employee CountN/A
Inventory TurnoverN/A

Taxes

Over the trailing twelve months, X Financial has paid 191.08M in income taxes, reflecting an effective tax rate of 21.59.

Income Tax191.08M
Effective Tax Rate21.59

Stock Price Statistics

X Financial's stock has declined approximately -59.92754% over the past 52 weeks. The 50-day moving average sits at 5.11, while the 200-day moving average is 5.31.

Beta (5Y)N/A
52-Week Price Change-59.92754%
50-Day Moving Average5.11
200-Day Moving Average5.31
Average Volume (20 Days)N/A

Income Statement

Over the trailing twelve months, X Financial generated 5.60B in revenue and converted that into 563.34M in net income, yielding earnings per share of 14.18. EBITDA reached 712.75M, while operating income came in at 712.75M.

Revenue5.60B
Gross Profit3.64B
Operating Income712.75M
Pretax Income884.86M
Net Income563.34M
EBITDA712.75M
EBIT712.75M
Earnings Per Share (EPS)14.18

Balance Sheet

X Financial holds 1.13B in cash and equivalents against 396.21M in total debt, resulting in a net debt position of -735.53M. Total book value stands at 7.76B, with working capital of 4.52B providing operational flexibility.

Cash & Cash Equivalents1.13B
Total Debt396.21M
Net Debt-735.53M
Equity (Book Value)7.76B
Book Value Per Share33.56
Working Capital4.52B

Margins

X Financial operates with a gross margin of 64.96, reflecting its pricing power and cost economics. The operating margin of 12.73 and net profit margin of 10.06 provide insight into operational efficiency.

Gross Margin64.96
Operating Margin12.73
Pretax Margin15.81
Profit Margin10.06
EBITDA Margin12.73

Stock Splits

X Financial's most recent stock split took place on November 19, 2020 with a 3:1 split ratio.

Last Split Date11/19/2020
Split Ratio3:1

Scores

X Financial posts an Altman Z-Score of 2.80, near the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.

Altman Z-Score2.80