NYSE : XYF
X Financial — Key statistics
Financials · Credit Services · China
Last price 4.81 USD (Oct 30, 2026, 9:30 AM EDT) · Market cap 185.26M
Overview · Financial statements · Key statistics · Dividends · Company profile · Price history · Reports
Key statistics
Valuation
| Measure | Value |
|---|
| Market Cap | 183.34M |
| Enterprise Value | 79.31M |
Dates
| Measure | Value |
|---|
| Earnings Date | Nov 19, 2026 |
| Ex-Dividend Date | Sep 10, 2026 |
Shares
| Measure | Value |
|---|
| Current Share Class | n/a |
| Shares Outstanding | 38.52M |
| Shares Change (YoY) | -14.93% |
| Shares Change (QoQ) | -3.79% |
| Owned by Insiders (%) | 57.05% |
| Owned by Institutions (%) | 2.27% |
| Float | 14.23M |
Ratios
| Measure | Value |
|---|
| PE Ratio | 2.24 |
| Forward PE | n/a |
| PS Ratio | 0.22 |
| Forward PS | n/a |
| PB Ratio | 0.16 |
| P/TBV Ratio | 0.16 |
| P/FCF Ratio | 0.84 |
| P/OCF Ratio | n/a |
| PEG Ratio | n/a |
Evratios
| Measure | Value |
|---|
| EV / Earnings | 0.96 |
| EV / Sales | 0.10 |
| EV / EBITDA | 0.18 |
| EV / EBIT | 0.18 |
| EV / FCF | 0.36 |
Financialposition
| Measure | Value |
|---|
| Current Ratio | 4.40 |
| Quick Ratio | 1.31 |
| Debt / Equity | 0.05 |
| Debt / EBITDA | 0.14 |
| Debt / FCF | 0.29 |
| Interest Coverage | 245.68 |
Financialefficiency
| Measure | Value |
|---|
| Return on Equity (ROE) | 7.28% |
| Return on Assets (ROA) | 14.16% |
| Return on Invested Capital (ROIC) | 30.77% |
| Return on Capital Employed (ROCE) | 28.67% |
| Weighted Average Cost of Capital (WACC) | 5.45% |
| Revenue Per Employee | $1.28M |
| Profits Per Employee | $128,976 |
| Employee Count | 643 |
| Asset Turnover | 0.43 |
| Inventory Turnover | n/a |
Taxes
| Measure | Value |
|---|
| Income Tax | 28.13M |
| Effective Tax Rate | 25.33% |
Stockprice
| Measure | Value |
|---|
| Beta (5Y) | 0.43 |
| 52-Week Price Change | -60.27% |
| 50-Day Moving Average | 5.15 |
| 200-Day Moving Average | 4.98 |
| Relative Strength Index (RSI) | 41.01 |
| Average Volume (20 Days) | 46,912 |
Shortselling
| Measure | Value |
|---|
| Short Interest | 70,921 |
| Short Previous Month | 84,602 |
| Short % of Shares Out | 0.42% |
| Short % of Float | n/a |
| Short Ratio (days to cover) | 1.26 |
Incomestatement
| Measure | Value |
|---|
| Revenue | 824.18M |
| Gross Profit | 495.42M |
| Operating Income | 430.23M |
| Pretax Income | 111.06M |
| Net Income | 82.93M |
| EBITDA | 432.16M |
| EBIT | 430.23M |
| Earnings Per Share (EPS) | $2.13 |
Balancesheet
| Measure | Value |
|---|
| Cash & Cash Equivalents | 166.61M |
| Total Debt | 62.58M |
| Net Cash | 104.03M |
| Net Cash Per Share | $2.70 |
| Equity (Book Value) | 1.14B |
| Book Value Per Share | 30.41 |
| Working Capital | 954.62M |
Cashflow
| Measure | Value |
|---|
| Operating Cash Flow | n/a |
| Capital Expenditures | -3.29M |
| Depreciation & Amortization | 1.98M |
| Net Borrowing | n/a |
| Free Cash Flow | 217.34M |
| FCF Per Share | $5.64 |
Margins
| Measure | Value |
|---|
| Gross Margin | 60.11% |
| Operating Margin | 52.20% |
| Pretax Margin | 13.48% |
| Profit Margin | 10.06% |
| EBITDA Margin | 52.43% |
| EBIT Margin | 52.20% |
| FCF Margin | 21.02% |
Dividends
| Measure | Value |
|---|
| Dividend Per Share | $0.56 |
| Dividend Yield | 11.77% |
| Dividend Growth (YoY) | 5.84% |
| Years of Dividend Growth | 2 |
| Payout Ratio | 25.55% |
| FCF Payout Ratio | 9.65% |
| Buyback Yield | 14.93% |
| Shareholder Yield | 26.70% |
| Earnings Yield | 44.73% |
| FCF Yield | 118.55% |
Analystforecasts
| Measure | Value |
|---|
| Price Target | n/a |
| Price Target Difference | n/a |
| Analyst Consensus | n/a |
| Analyst Count | n/a |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | n/a |
Stocksplits
| Measure | Value |
|---|
| Last Split Date | Nov 19, 2020 |
| Split Type | Reverse |
| Split Ratio | 1:3 |
Scores
| Measure | Value |
|---|
| Altman Z-Score | 2.9 |
| Piotroski F-Score | 2 |
Fairvalue
| Measure | Value |
|---|
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |