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XYF

X Financial NYSE:XYF Stock Report

Last Price

US$3.93

Market Cap

US$191.0m

7D

0.8%

1Y

19.5%

Updated

04 Feb, 2023

Data

Company Financials

X Financial

NYSE:XYF Stock Report

Mkt Cap: US$191.0m

XYF Stock Overview

X Financial provides personal finance services in the People's Republic of China.

XYF fundamental analysis
Snowflake Score
Valuation4/6
Future Growth0/6
Past Performance4/6
Financial Health5/6
Dividends0/6

Rewards

Trading at 65.6% below our estimate of its fair value

Earnings grew by 2697% over the past year

Risk Analysis

Earnings have declined by 16.4% per year over past 5 years

Volatile share price over the past 3 months


My Notes

New

Notes are coming soon

X Financial Competitors

Medallion Financial

NasdaqGS:MFIN

US$197.9m

Jiayin Group

NasdaqGM:JFIN

US$183.1m

Consumer Portfolio Services

NasdaqGM:CPSS

US$236.9m

OppFi

NYSE:OPFI

US$255.8m

Price History & Performance

Summary of all time highs, changes and price drops for X Financial
Historical stock prices
Current Share PriceUS$3.93
52 Week HighUS$4.20
52 Week LowUS$1.62
Beta0.43
1 Month Change22.81%
3 Month Change113.59%
1 Year Change19.45%
3 Year Change-4.38%
5 Year Changen/a
Change since IPO-89.06%

Recent News & Updates

X Financial Non-GAAP EPADS of $0.61, revenue of $125.76M

Nov 16

X Financial increases share repurchase program to $20M

Sep 30

Recent updates

X Financial Non-GAAP EPADS of $0.61, revenue of $125.76M

Nov 16

X Financial increases share repurchase program to $20M

Sep 30

X Financial Non-GAAP EPS of $0.56, revenue of $123.1M

Aug 08

X Financial reports Q1 results

Jun 15

What Type Of Shareholders Make Up X Financial's (NYSE:XYF) Share Registry?

Feb 03
What Type Of Shareholders Make Up X Financial's (NYSE:XYF) Share Registry?

X Financial reports Q3 results

Dec 01

Shareholder Returns

XYFUS Consumer FinanceUS Market
7D0.8%3.3%1.7%
1Y19.5%-12.6%-9.6%

Return vs Industry: XYF exceeded the US Consumer Finance industry which returned -13.4% over the past year.

Return vs Market: XYF exceeded the US Market which returned -8.5% over the past year.

Price Volatility

Is XYF's price volatile compared to industry and market?
XYF volatility
XYF Average Weekly Movement13.7%
Consumer Finance Industry Average Movement8.7%
Market Average Movement6.7%
10% most volatile stocks in US Market17.5%
10% least volatile stocks in US Market2.8%

Stable Share Price: XYF is more volatile than 75% of US stocks over the past 3 months, typically moving +/- 14% a week.

Volatility Over Time: XYF's weekly volatility (14%) has been stable over the past year, but is still higher than 75% of US stocks.

About the Company

FoundedEmployeesCEOWebsite
2014424Justin Tanghttps://www.xiaoyinggroup.com

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.

X Financial Fundamentals Summary

How do X Financial's earnings and revenue compare to its market cap?
XYF fundamental statistics
Market CapUS$191.02m
Earnings (TTM)US$100.80m
Revenue (TTM)US$506.40m

1.9x

P/E Ratio

0.4x

P/S Ratio

Is XYF overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report
XYF income statement (TTM)
RevenueCN¥3.43b
Cost of RevenueCN¥2.05b
Gross ProfitCN¥1.38b
Other ExpensesCN¥700.52m
EarningsCN¥682.88m

Last Reported Earnings

Sep 30, 2022

Next Earnings Date

n/a

Earnings per share (EPS)14.05
Gross Margin40.32%
Net Profit Margin19.90%
Debt/Equity Ratio2.0%

How did XYF perform over the long term?

See historical performance and comparison