Symbols / XYF $5.05 +7.91% X Financial

Financial Services • Credit Services • China • NYQ
XYF Chart
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About

X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. The company offers Xiaoying credit loans, which are online personal credit loan products comprising Xiaoying card loans and other unsecured loan products; and Xiaoying housing loans, a secured home equity loan product. It also provides guarantee, consulting, e-commerce, and microcredit services. In addition, the company engages in the technology development and service, as well as the sale of products. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.

Fundamentals
Scroll to Statements
Market Cap 197.39M Enterprise Value 636.01M Income 1.46B Sales 7.64B Book/sh 29.54 Cash/sh 4.23
Dividend Yield 11.97% Payout 10.75% Employees — IPO — P/E 0.98 Forward P/E 13.65
PEG — P/S 0.03 P/B 0.17 P/C — EV/EBITDA 0.13 EV/Sales 0.08
Quick Ratio 1.69 Current Ratio 5.03 Debt/Eq 5.67 LT Debt/Eq — EPS (ttm) 5.17 EPS next Y 0.37
EPS Growth -82.10% Revenue Growth -14.10% Earnings 2026-05-19 ROA 22.83% ROE 19.80% ROIC —
Gross Margin 69.10% Oper. Margin 43.88% Profit Margin 19.17% Shs Outstand 22.82M Shs Float 94.26M Short Float 1.01%
Short Ratio 0.69 Short Interest — 52W High 20.36 52W Low 3.30 Beta 0.47 Avg Volume 184.34K
Volume 157.90K Target Price — Recom None Prev Close $4.68 Price $5.05 Change 7.91%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$5.05
Latest analyst target
3. DCF / Fair value
$77.55
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$5.05
Low
—
High
—
Mean
—
News
RSS: Latest XYF news
Insider Transactions

No recent insider transactions.

Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total Revenue
2,559.09
+34.24%
1,906.39
+27.94%
1,490.11
-1.44%
1,511.93
Operating Revenue
2,559.09
+34.24%
1,906.39
+27.94%
1,490.11
-1.44%
1,511.93
Selling General And Administration
175.93
+14.28%
153.94
+7.48%
143.23
-31.36%
208.69
Selling And Marketing Expense
—
12.54
-18.83%
15.45
-25.84%
20.83
General And Administrative Expense
175.93
+14.28%
153.94
+7.48%
143.23
-23.75%
187.86
Other Gand A
175.93
+14.28%
153.94
+7.48%
143.23
-23.75%
187.86
Reconciled Depreciation
7.20
+36.84%
5.26
-20.85%
6.65
-18.31%
8.14
Net Income
1,539.91
+29.75%
1,186.79
+46.16%
812.00
-1.62%
825.41
Pretax Income
1,894.33
+28.99%
1,468.58
+20.39%
1,219.90
+2.44%
1,190.80
Net Interest Income
-211.03
+16.91%
-253.97
-285.48%
136.92
-80.20%
691.61
Interest Expense
1,582.47
+15.43%
1,370.94
+64.56%
833.11
—
Interest Income
1,371.44
+22.78%
1,116.97
+15.15%
970.03
+40.26%
691.61
Other Non Operating Income Expenses
13.52
-44.48%
24.35
-40.20%
40.72
+25.28%
32.51
Gain On Sale Of Security
18.02
-41.59%
30.85
-72.91%
113.85
+164.55%
-176.38
Tax Provision
405.70
+55.36%
261.13
-34.07%
396.07
+7.41%
368.74
Tax Rate For Calcs
0.00
+20.45%
0.00
-45.23%
0.00
+4.85%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
1,539.91
+29.75%
1,186.79
+46.16%
812.00
-1.62%
825.41
Net Income From Continuing Operation Net Minority Interest
1,539.91
+29.75%
1,186.79
+46.16%
812.00
-1.62%
825.41
Net Income From Continuing And Discontinued Operation
1,539.91
+29.75%
1,186.79
+46.16%
812.00
-1.62%
825.41
Net Income Continuous Operations
1,539.91
+29.75%
1,186.79
+46.16%
812.00
-1.62%
825.41
Minority Interests
0.00
0.00
0.00
-100.00%
0.00
Normalized Income
1,539.91
+29.75%
1,186.79
+46.16%
812.00
-1.62%
825.41
Net Income Common Stockholders
1,539.91
+29.75%
1,186.79
+46.16%
812.00
-1.62%
825.41
Diluted EPS
31.50
+28.68%
24.48
+61.90%
15.12
+2.86%
14.70
Basic EPS
31.98
+29.37%
24.72
+60.31%
15.42
+2.39%
15.06
Basic Average Shares
48.14
+0.25%
48.02
-8.95%
52.74
-3.88%
54.87
Diluted Average Shares
48.89
+0.87%
48.47
-9.79%
53.73
-4.30%
56.15
Diluted NI Availto Com Stockholders
1,539.91
+29.75%
1,186.79
+46.16%
812.00
-1.62%
825.41
Earnings From Equity Interest Net Of Tax
51.28
+348.27%
-20.65
-74.65%
-11.83
-453.87%
3.34
Line Item Trend 2024-12-31 2023-12-31 2022-12-31
Total Assets
11,819.29
+1.45%
11,650.02
+31.82%
8,837.66
Cash And Cash Equivalents
2,942.91
+1.56%
2,897.82
+22.14%
2,372.59
Other Short Term Investments
—
—
—
Receivables
2,047.47
+21.57%
1,684.14
+40.41%
1,199.43
Accounts Receivable
2,029.55
+22.29%
1,659.59
+42.61%
1,163.75
Gross Accounts Receivable
2,053.72
+23.06%
1,668.85
+40.76%
1,185.63
Allowance For Doubtful Accounts Receivable
-24.17
-160.85%
-9.27
+57.64%
-21.88
Other Receivables
17.92
-27.01%
24.55
-31.19%
35.68
Prepaid Assets
10.68
+26.75%
8.42
-62.58%
22.51
Net PPE
15.83
+83.21%
8.64
+47.45%
5.86
Gross PPE
61.35
+20.38%
50.96
+2.10%
49.91
Accumulated Depreciation
-45.51
-7.55%
-42.32
+3.94%
-44.05
Machinery Furniture Equipment
33.00
+27.72%
25.84
+1.77%
25.39
Other Properties
0.82
+0.00%
0.82
+0.00%
0.82
Leases
27.53
+13.26%
24.31
+2.52%
23.71
Goodwill And Other Intangible Assets
36.59
-0.59%
36.81
+0.71%
36.55
Other Intangible Assets
36.59
-0.59%
36.81
+0.71%
36.55
Investments And Advances
1,011.51
-8.18%
1,101.61
+59.97%
688.61
Long Term Equity Investment
498.04
+0.94%
493.41
-0.52%
495.99
Total Liabilities Net Minority Interest
4,866.13
-16.14%
5,802.90
+42.07%
4,084.41
Payables And Accrued Expenses
3,920.40
-19.66%
4,879.48
+30.15%
3,749.20
Payables
3,776.32
-20.41%
4,744.79
+29.41%
3,666.56
Accounts Payable
258.01
+43.47%
179.83
-7.82%
195.09
Other Payable
2,646.83
-29.78%
3,769.42
+27.96%
2,945.69
Dividends Payable
0.00
-100.00%
59.23
0.00
Current Accrued Expenses
144.08
+6.97%
134.69
+62.99%
82.64
Total Tax Payable
871.49
+18.36%
736.32
+40.04%
525.78
Income Tax Payable
871.49
+18.36%
736.32
+40.04%
525.78
Current Debt And Capital Lease Obligation
328.50
-41.86%
565.00
+704.74%
70.21
Current Debt
328.50
-41.86%
565.00
+704.74%
70.21
Other Current Borrowings
328.50
-41.86%
565.00
+704.74%
70.21
Long Term Debt And Capital Lease Obligation
12.73
-0.93%
12.85
+13.69%
11.30
Long Term Capital Lease Obligation
12.73
-0.93%
12.85
+13.69%
11.30
Non Current Deferred Liabilities
247.36
+65.10%
149.83
+429.81%
28.28
Non Current Deferred Revenue
181.41
+51.44%
119.79
+334.68%
27.56
Non Current Deferred Taxes Liabilities
65.96
+119.57%
30.04
+4062.50%
0.72
Stockholders Equity
6,953.15
+18.92%
5,847.12
+23.01%
4,753.25
Common Stock Equity
6,953.15
+18.92%
5,847.12
+23.01%
4,753.25
Capital Stock
0.21
+0.00%
0.21
+0.00%
0.21
Common Stock
0.21
+0.00%
0.21
+0.00%
0.21
Share Issued
329.12
+0.00%
329.12
+0.00%
329.12
Ordinary Shares Number
250.68
-14.61%
293.55
+1.96%
287.92
Treasury Shares Number
78.44
+120.56%
35.56
-13.68%
41.20
Additional Paid In Capital
3,207.03
+0.32%
3,196.94
+0.18%
3,191.19
Retained Earnings
4,174.51
+55.07%
2,692.02
+65.88%
1,622.85
Gains Losses Not Affecting Retained Earnings
81.05
+16.66%
69.48
+9.24%
63.60
Treasury Stock
509.64
+357.00%
111.52
-10.50%
124.60
Minority Interest
—
0.00
0.00
Other Equity Adjustments
81.05
+16.66%
69.48
+9.24%
63.60
Total Equity Gross Minority Interest
6,953.15
+18.92%
5,847.12
+23.01%
4,753.25
Invested Capital
7,281.65
+13.56%
6,412.12
+32.94%
4,823.46
Total Debt
341.23
-40.95%
577.85
+608.90%
81.51
Capital Lease Obligations
12.73
-0.93%
12.85
+13.69%
11.30
Net Tangible Assets
6,916.56
+19.04%
5,810.31
+23.19%
4,716.70
Tangible Book Value
6,916.56
+19.04%
5,810.31
+23.19%
4,716.70
Available For Sale Securities
513.48
-15.57%
608.20
+215.75%
192.62
Cash Cash Equivalents And Federal Funds Sold
3,619.70
-0.75%
3,646.89
+31.31%
2,777.28
Derivative Product Liabilities
—
0.00
-100.00%
107.89
Line Item Trend 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Operating Cash Flow
1,523.39
+9.48%
1,391.44
+122.00%
626.78
+39.54%
449.17
Cash Flow From Continuing Operating Activities
1,523.39
+9.48%
1,391.44
+122.00%
626.78
+39.54%
449.17
Net Income From Continuing Operations
1,539.91
+29.75%
1,186.79
+46.16%
812.00
-1.62%
825.41
Depreciation Amortization Depletion
7.20
+36.84%
5.26
-20.85%
6.65
-18.31%
8.14
Depreciation
4.87
+60.78%
3.03
-31.11%
4.39
-29.32%
6.22
Amortization Cash Flow
2.33
+4.41%
2.23
-0.85%
2.25
+17.34%
1.92
Depreciation And Amortization
7.20
+36.84%
5.26
-20.85%
6.65
-18.31%
8.14
Amortization Of Intangibles
2.33
+4.41%
2.23
-0.85%
2.25
+17.34%
1.92
Other Non Cash Items
-89.83
-13894.03%
0.65
-90.46%
6.83
-4.51%
7.15
Stock Based Compensation
40.18
-5.68%
42.60
-20.43%
53.54
-39.46%
88.43
Deferred Tax
-27.25
-55.13%
-17.57
-108.68%
202.31
-39.32%
333.42
Deferred Income Tax
-27.25
-55.13%
-17.57
-108.68%
202.31
-39.32%
333.42
Operating Gains Losses
-28.39
+3.39%
-29.38
+61.84%
-77.00
-146.16%
166.82
Gain Loss On Investment Securities
-17.13
-163.70%
-6.50
-168.21%
9.53
0.00
Gain Loss On Sale Of PPE
-0.06
-137.98%
0.15
+5633.91%
-0.00
+98.52%
-0.18
Change In Working Capital
-428.44
-242.40%
-125.13
+77.02%
-544.47
+51.56%
-1,123.94
Change In Receivables
-405.69
+20.44%
-509.91
-16.88%
-436.27
-6.04%
-411.42
Changes In Account Receivables
-405.69
+20.44%
-509.91
-16.88%
-436.27
-6.04%
-411.42
Change In Prepaid Assets
14.32
+80.72%
7.92
-93.49%
121.76
+473.46%
21.23
Change In Payables And Accrued Expense
256.93
-21.20%
326.07
+19.32%
273.28
+66.81%
163.83
Change In Accrued Expense
122.89
+6.38%
115.52
+37.22%
84.19
+452.70%
-23.87
Change In Payable
134.04
-36.34%
210.54
+11.35%
189.09
+0.74%
187.70
Change In Other Working Capital
-266.73
-1751.58%
-14.41
+97.10%
-496.46
-1387.82%
-33.37
Change In Other Current Assets
-1.08
-787.77%
-0.12
-107.75%
1.56
+860.78%
0.16
Change In Other Current Liabilities
-116.00
-1966.53%
-5.61
-140.10%
14.00
+243.01%
-9.79
Investing Cash Flow
122.03
+107.25%
-1,683.64
-38.29%
-1,217.47
+48.14%
-2,347.59
Cash Flow From Continuing Investing Activities
122.03
+107.25%
-1,683.64
-38.29%
-1,217.47
+48.14%
-2,347.59
Net PPE Purchase And Sale
-14.12
-67.04%
-8.45
-39.68%
-6.05
-153.84%
-2.38
Purchase Of PPE
-14.22
-67.96%
-8.47
-39.85%
-6.06
-131.11%
-2.62
Sale Of PPE
0.11
+497.96%
0.02
+231.86%
0.01
-97.70%
0.24
Capital Expenditure
-14.22
-67.96%
-8.47
-39.85%
-6.06
-131.11%
-2.62
Net Investment Purchase And Sale
242.45
+157.16%
-424.15
-406.83%
-83.69
+76.21%
-351.84
Purchase Of Investment
-148.63
+64.96%
-424.15
-368.47%
-90.54
+78.84%
-427.84
Sale Of Investment
391.08
0.00
-100.00%
6.85
-90.98%
76.00
Net Intangibles Purchase And Sale
0.00
0.00
-100.00%
100.00
-37.50%
160.00
Purchase Of Intangibles
—
—
—
0.00
Financing Cash Flow
-1,935.18
-257.66%
1,227.46
+112.97%
576.35
-55.71%
1,301.31
Cash Flow From Continuing Financing Activities
-1,935.18
-257.66%
1,227.46
+112.97%
576.35
-55.71%
1,301.31
Net Issuance Payments Of Debt
-236.50
-147.80%
494.79
+613.85%
-96.29
+47.68%
-184.04
Issuance Of Debt
133.50
-83.36%
802.50
+1043.02%
70.21
-73.66%
266.50
Repayment Of Debt
-370.00
-20.24%
-307.71
-84.81%
-166.50
+63.04%
-450.55
Short Term Debt Issuance
133.50
-83.36%
802.50
+1043.02%
70.21
-73.66%
266.50
Short Term Debt Payments
-370.00
-20.24%
-307.71
-84.81%
-166.50
+63.04%
-450.55
Net Short Term Debt Issuance
-236.50
-147.80%
494.79
+613.85%
-96.29
+47.68%
-184.04
Net Common Stock Issuance
-182.20
-632.54%
-24.87
+83.05%
-146.74
0.00
Common Stock Payments
-182.20
-632.54%
-24.87
+83.05%
-146.74
0.00
Cash Dividends Paid
-116.64
-99.72%
-58.40
0.00
0.00
Repurchase Of Capital Stock
-182.20
-632.54%
-24.87
+83.05%
-146.74
0.00
Proceeds From Stock Option Exercised
0.12
-88.86%
1.10
+296.48%
0.28
-90.63%
2.96
Net Other Financing Charges
-1,399.96
-271.81%
814.84
-0.52%
819.11
-44.74%
1,482.40
Changes In Cash
-289.76
-130.98%
935.26
+6624.37%
-14.33
+97.60%
-597.11
Effect Of Exchange Rate Changes
6.89
+201.50%
2.29
-92.18%
29.26
+412.12%
-9.37
Beginning Cash Position
1,944.51
+93.11%
1,006.96
+1.50%
992.04
-37.94%
1,598.52
End Cash Position
1,661.65
-14.55%
1,944.51
+93.11%
1,006.96
+1.50%
992.04
Free Cash Flow
1,509.16
+9.12%
1,382.98
+122.80%
620.73
+39.00%
446.55
Interest Paid Supplemental Data
24.16
+3.94%
23.25
+1067.61%
1.99
-70.37%
6.72
Income Tax Paid Supplemental Data
289.08
+182.63%
102.28
+173.71%
37.37
+20.71%
30.96
Change In Income Tax Payable
134.04
-36.34%
210.54
+11.35%
189.09
+0.74%
187.70
Change In Tax Payable
134.04
-36.34%
210.54
+11.35%
189.09
+0.74%
187.70
Dividend Received CFO
7.50
-62.34%
19.91
0.00
—
Earnings Losses From Equity Investments
-10.16
-626.16%
1.93
-95.43%
42.25
+1364.31%
-3.34
Sale Of Intangibles
0.00
0.00
-100.00%
100.00
-37.50%
160.00
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