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X Financial Class A

Financial Services US XYF

4.83USD
-0.05(1.02%)

Last update at 2026-06-24T20:00:00Z

Day Range

4.804.90
LowHigh

52 Week Range

2.655.00
LowHigh

Fundamentals

  • Previous Close 4.88
  • Market Cap180.08M
  • Volume57984
  • P/E Ratio1.02
  • Dividend Yield10.53%
  • EBITDA1502.31M
  • Revenue TTM4577.86M
  • Revenue Per Share TTM96.16
  • Gross Profit TTM 1587.44M
  • Diluted EPS TTM3.67

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 1223.45M 1190.80M -1601.53300M 663.91M 1084.92M
Minority interest 0.00000M 0.00048M 1.29M 1.25M 1.05M
Net income 812.00M 825.41M -1301.65500M 774.28M 883.11M
Selling general administrative 171.52M 187.86M 179.22M 227.48M 220.02M
Selling and marketing expenses 15.45M 20.83M 35.63M 103.16M 205.73M
Gross profit 1537.41M 1511.93M -61.50000M 1278.48M 2166.87M
Reconciled depreciation 6.65M 8.14M 11.92M 11.38M 9.64M
Ebit 1194.71M 1194.14M -1608.38000M 681.17M 1093.03M
Ebitda 1201.35M 1202.28M -1596.46447M 692.55M 1102.67M
Depreciation and amortization 6.65M 8.14M 11.92M 11.38M 9.64M
Non operating income net other - - - - 0.00000M
Operating income 1194.71M 1194.14M -1608.38000M 681.17M 1093.03M
Other operating expenses 227.70M 241.19M 227.56M 356.72M 423.26M
Interest expense 19709.14M 19385.97M 4225.00M 4225.00M 4225.00M
Tax provision 389.36M 368.73M -299.87800M -93.10264M 209.92M
Interest income 970.03M 691.61M 634.59M 162.21M 184.38M
Net interest income 970.03M 691.61M 634.59M 427.79M 80.33M
Extraordinary items - - - - 0.00000M
Non recurring - - - - 0.00000M
Other items - - - - 0.00000M
Income tax expense 389.36M 368.73M -299.87800M -93.10300M 209.92M
Total revenue 1537.41M 1511.93M -61.50000M 1278.48M 2166.87M
Total operating expenses 227.70M 241.19M 227.56M 356.72M 423.26M
Cost of revenue - 1963.01M 2071.51M 1634.82M 1185.94M
Total other income expense net 28.75M -3.34200M 6.85M -17.25800M -8.11008M
Discontinued operations - - - - 0.00000M
Net income from continuing ops 812.00M 825.41M -1308.46100M 774.48M 883.06M
Net income applicable to common shares - 825.41M -1308.50200M 774.28M 883.11M
Preferred stock and other adjustments - - - - 0.00000M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 8837.66M 7342.74M 7532.26M 8299.59M 4636.97M
Intangible assets 36549.92M 136.05M 295.45M 415.13M 28.40M
Earning assets - - - - -
Other current assets - 3824.20M 4740.46M 5141.56M 1829.48M
Total liab 4084.41M 3365.84M 4456.22M 3932.48M 1118.90M
Total stockholder equity 4753.25M 3976.90M 3074.76M 4365.86M 3517.02M
Deferred long term liab - - - - 0.00000M
Other current liab -195.08942M -249.58257M -477.15123M -103.37921M -273.28015M
Common stock 0.21M 0.21M 0.20M 0.20M 0.19M
Capital stock 0.21M 0.21M 0.20M 0.20M 0.19M
Retained earnings 1622.85M 810.86M -14.55100M 1311.19M 640.12M
Other liab - 1971.11M 3405.84M 3134.06M 202.37M
Good will -36513.37200M -99.23538M -258.01245M -379.99970M -0.00041M
Other assets 4572.14M 3741.36M 5108.45M 6175.05M 1829.48M
Cash 2372.59M 2085.17M 1654.31M 1005.98M 860.03M
Cash and equivalents - 584.76M 746.39M 1005.98M 1069.36M
Total current liabilities 70.21M 249.58M 477.15M 103.38M 273.28M
Current deferred revenue - - - - -
Net debt -2291.07431M -1918.66900M -1303.76600M -1005.98000M -662.03400M
Short term debt 70.21M 166.50M 350.55M 0.00000M 198.00M
Short long term debt 70.21M 166.50M 350.55M 0.00000M 198.00M
Short long term debt total 81.51M 166.50M 350.55M 20.21M 198.00M
Other stockholder equity 3066.60M 3159.52M 3068.05M 2987.36M 2824.22M
Property plant equipment - 6.19M 11.14M 82.40M 23.21M
Total current assets 3534.50M 2915.49M 2073.62M 1777.13M 2468.65M
Long term investments 688.62M 642.88M 301.62M 292.14M 287.22M
Net tangible assets - 3940.08M 3037.32M 4330.73M 3488.62M
Short term investments - 82.84M 6.00M - -0.00028M
Net receivables 1161.91M 747.48M 413.31M 771.15M 1399.29M
Long term debt - 1487.38M 9.79M 68.36M 26.68M
Inventory - - - - 0.00000M
Accounts payable 195.09M 83.08M 126.61M 103.38M 75.28M
Total permanent equity - - - - 0.00000M
Noncontrolling interest in consolidated entity - - - - 0.00000M
Temporary equity redeemable noncontrolling interests - - - - 0.00000M
Accumulated other comprehensive income 63.60M 6.31M 21.06M 67.10M 52.49M
Additional paid in capital - - - - 0.00000M
Common stock total equity - - 0.20M 0.20M 0.19M
Preferred stock total equity - - - - 0.00000M
Retained earnings total equity - - - - 0.00000M
Treasury stock - - - - 0.00000M
Accumulated amortization - - - - 0.00000M
Non currrent assets other -88428.43600M -685.88700M -350.19200M -347.40800M -338.83792M
Deferred long term asset charges - - - - 0.00000M
Non current assets total 731.03M 685.89M 350.19M 347.41M 338.84M
Capital lease obligations 11.30M 12.33M 16.87M 20.21M 0.00000M
Long term debt total - 1487.38M 1486.67M 68.36M 26.68M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -913.38801M -2347.59383M -9.50000M -3079.78099M 412.87M
Change to liabilities - 0.00000M 0.00000M 0.00000M 0.00000M
Total cashflows from investing activities - -2347.59383M -3704.84813M -3079.78099M 412.87M
Net borrowings - -166.51594M 4490.17M 2808.35M -498.80000M
Total cash from financing activities 576.35M 1301.31M 4490.71M 2711.19M 181.79M
Change to operating activities - -753.75265M -839.00439M -1052.99846M -919.47859M
Net income 812.00M 825.41M -1308.46144M 774.48M 883.06M
Change in cash 14.92M -606.48406M 78.22M 242.60M 593.73M
Begin period cash flow 992.04M 1598.52M 1520.30M 1277.71M 683.98M
End period cash flow 1006.96M 992.04M 1598.52M 1520.30M 1277.71M
Total cash from operating activities 322.70M 449.17M -679.23460M 600.57M 5.35M
Issuance of capital stock - - 0.00000M 0.00000M 713.09M
Depreciation 6.65M 8.14M 11.92M 11.38M 9.64M
Other cashflows from investing activities - -1462.69980M 120.00M -380.00000M -380.00000M
Dividends paid - -103196.98100M 0.00000M -103.19698M 103.20M
Change to inventory - - - - 0.00000M
Change to account receivables -436.26725M -411.42082M 220.84M 366.95M -665.34174M
Sale purchase of stock -146.74090M 2.96M -0.06894M 6.04M -31.10037M
Other cashflows from financing activities 889.59M 104948.84M 4651.78M 3215.39M -500.20000M
Change to netincome - 739.57M 1500.60M 472.20M 786.52M
Capital expenditures 6.06M 2.62M 5.37M 395.14M 38.63M
Change receivables - - - - 0.00000M
Cash flows other operating - - - - 0.00000M
Exchange rate changes - - - - 0.00000M
Cash and cash equivalents changes - - - - 0.00000M
Change in working capital -832.12324M -1123.94192M -883.24544M -962.80931M -1812.99790M
Stock based compensation 53.54M 88.43M 80.14M 157.12M 171.84M
Other non cash items 87.06M 317.72M 1562.97M 785.32M 50590389.82M
Free cash flow 316.65M 446.55M -684.60004M 205.42M -33.28018M

Peer Comparison

Sector: Financial Services Industry: Credit Services

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
XYF
X Financial Class A		 -0.05 1.02% 4.83 1.02 - 0.04 0.22
V
Visa Inc. Class A		 3.75 1.14% 332.23 31.25 25.97 16.18 13.64 16.19 23.37
MA
Mastercard Inc		 6.34 1.30% 494.41 37.04 29.50 16.14 62.35 16.47 27.24
AXP
American Express Company		 4.78 1.42% 342.56 21.46 18.83 3.38 6.76 3.93
COF
Capital One Financial Corporation		 2.67 1.35% 200.48 61.36 10.04 3.84 1.12 3.02

Reports Covered

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Profile

X Financial provides personal finance services in the People's Republic of China. The company offers services as an online marketplace connecting borrowers and investors. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners, as well as Xiaoying revolving loan. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as loans, money market, and insurance products; and loan facilitation services to other platforms. The company was incorporated in 2014 and is headquartered in Shenzhen, the People's Republic of China.

X Financial Class A

Aerospace Science and Technology Plaza, Shenzhen, China, 518067

Key Executives

Name Title Year Born
Mr. Yue Tang Founder, CEO & Chairman 1972
Mr. Kan Li Pres, Chief Risk Officer & Director 1974
Mr. Fuya Zheng Chief Financial Officer 1967
Mr. Ding Gao Chief Technology Officer 1987
Ms. Jennifer Zhang Investor Relations NA

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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