X Financial Statistics
Total Valuation
X Financial has a market cap or net worth of $609.50 million. The enterprise value is $525.13 million.
Important Dates
The next estimated earnings date is Thursday, May 29, 2025, after market close.
| Earnings Date | May 29, 2025 |
| Ex-Dividend Date | Sep 4, 2024 |
Share Statistics
X Financial has 42.21 million shares outstanding. The number of shares has increased by 0.87% in one year.
| Current Share Class | n/a |
| Shares Outstanding | 42.21M |
| Shares Change (YoY) | +0.87% |
| Shares Change (QoQ) | -1.30% |
| Owned by Insiders (%) | 61.48% |
| Owned by Institutions (%) | 1.63% |
| Float | 16.26M |
Valuation Ratios
The trailing PE ratio is 3.35.
| PE Ratio | 3.35 |
| Forward PE | n/a |
| PS Ratio | 0.86 |
| Forward PS | n/a |
| PB Ratio | 0.63 |
| P/TBV Ratio | 0.64 |
| P/FCF Ratio | 2.91 |
| P/OCF Ratio | 2.92 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
The stock's EV/EBITDA ratio is 1.03, with an EV/FCF ratio of 2.51.
| EV / Earnings | 2.49 |
| EV / Sales | 0.65 |
| EV / EBITDA | 1.03 |
| EV / EBIT | 1.04 |
| EV / FCF | 2.51 |
Financial Position
The company has a current ratio of 4.73, with a Debt / Equity ratio of 0.05.
| Current Ratio | 4.73 |
| Quick Ratio | 1.36 |
| Debt / Equity | 0.05 |
| Debt / EBITDA | 0.10 |
| Debt / FCF | 0.24 |
| Interest Coverage | 6,611.31 |
Financial Efficiency
Return on equity (ROE) is 24.06% and return on invested capital (ROIC) is 33.56%.
| Return on Equity (ROE) | 24.06% |
| Return on Assets (ROA) | 19.71% |
| Return on Invested Capital (ROIC) | 33.56% |
| Return on Capital Employed (ROCE) | 38.56% |
| Revenue Per Employee | $1.43M |
| Profits Per Employee | $374,728 |
| Employee Count | 563 |
| Asset Turnover | 0.50 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, X Financial has paid $55.58 million in taxes.
| Income Tax | 55.58M |
| Effective Tax Rate | 20.85% |
Stock Price Statistics
The stock price has increased by +280.00% in the last 52 weeks. The beta is 0.06, so X Financial's price volatility has been lower than the market average.
| Beta (5Y) | 0.06 |
| 52-Week Price Change | +280.00% |
| 50-Day Moving Average | 12.83 |
| 200-Day Moving Average | 8.23 |
| Relative Strength Index (RSI) | 58.49 |
| Average Volume (20 Days) | 127,693 |
Short Selling Information
| Short Interest | 55,802 |
| Short Previous Month | 127,829 |
| Short % of Shares Out | 0.34% |
| Short % of Float | n/a |
| Short Ratio (days to cover) | 0.22 |
Income Statement
In the last 12 months, X Financial had revenue of $804.45 million and earned $210.97 million in profits. Earnings per share was $4.32.
| Revenue | 804.45M |
| Gross Profit | 535.95M |
| Operating Income | 506.96M |
| Pretax Income | 213.12M |
| Net Income | 210.97M |
| EBITDA | 507.94M |
| EBIT | 506.96M |
| Earnings Per Share (EPS) | $4.32 |
Full Income StatementBalance Sheet
The company has $134.89 million in cash and $50.52 million in debt, giving a net cash position of $84.38 million or $2.00 per share.
| Cash & Cash Equivalents | 134.89M |
| Total Debt | 50.52M |
| Net Cash | 84.38M |
| Net Cash Per Share | $2.00 |
| Equity (Book Value) | 952.60M |
| Book Value Per Share | 22.80 |
| Working Capital | 1.14B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $208.71 million and capital expenditures -$1.95 million, giving a free cash flow of $209.51 million.
| Operating Cash Flow | 208.71M |
| Capital Expenditures | -1.95M |
| Free Cash Flow | 209.51M |
| FCF Per Share | $4.96 |
Full Cash Flow StatementMargins
Gross margin is 66.62%, with operating and profit margins of 63.02% and 26.23%.
| Gross Margin | 66.62% |
| Operating Margin | 63.02% |
| Pretax Margin | 33.13% |
| Profit Margin | 26.23% |
| EBITDA Margin | 63.14% |
| EBIT Margin | 63.02% |
| FCF Margin | 26.04% |
Dividends & Yields
This stock pays an annual dividend of $0.17, which amounts to a dividend yield of 1.18%.
| Dividend Per Share | $0.17 |
| Dividend Yield | 1.18% |
| Dividend Growth (YoY) | 100.00% |
| Years of Dividend Growth | 1 |
| Payout Ratio | 3.94% |
| Buyback Yield | -0.87% |
| Shareholder Yield | 0.31% |
| Earnings Yield | 34.61% |
| FCF Yield | 34.37% |
Dividend DetailsAnalyst Forecast
| Price Target | n/a |
| Price Target Difference | n/a |
| Analyst Consensus | n/a |
| Analyst Count | n/a |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock Splits
The last stock split was on November 19, 2020. It was a reverse split with a ratio of 0.33333:1.
| Last Split Date | Nov 19, 2020 |
| Split Type | Reverse |
| Split Ratio | 0.33333:1 |
Scores
X Financial has an Altman Z-Score of 3.08 and a Piotroski F-Score of 5.
| Altman Z-Score | 3.08 |
| Piotroski F-Score | 5 |