XYF Stock Overview
Provides personal finance services in the People's Republic of China. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 0/6 |
| Past Performance | 3/6 |
| Financial Health | 6/6 |
| Dividends | 2/6 |
My Notes
Capture your thoughts, links and company narrative
X Financial Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$8.42 |
| 52 Week High | US$8.59 |
| 52 Week Low | US$3.48 |
| Beta | 0.36 |
| 1 Month Change | 11.08% |
| 3 Month Change | 13.94% |
| 1 Year Change | 130.05% |
| 3 Year Change | 169.01% |
| 5 Year Change | 59.47% |
| Change since IPO | -76.55% |
Recent News & Updates
Recent updates
Investors Still Aren't Entirely Convinced By X Financial's (NYSE:XYF) Earnings Despite 29% Price Jump
Dec 10
X Financial's (NYSE:XYF) Share Price Is Matching Sentiment Around Its Revenues
Sep 26Should You Be Adding X Financial (NYSE:XYF) To Your Watchlist Today?
Mar 28X Financial Resumes Growth As Regulatory Risks Abate
Oct 25Here's Why X Financial (NYSE:XYF) Has Caught The Eye Of Investors
Oct 05Investors Aren't Buying X Financial's (NYSE:XYF) Revenues
Aug 01X Financial Non-GAAP EPADS of $0.61, revenue of $125.76M
Nov 16X Financial increases share repurchase program to $20M
Sep 30X Financial Non-GAAP EPS of $0.56, revenue of $123.1M
Aug 08X Financial reports Q1 results
Jun 15What Type Of Shareholders Make Up X Financial's (NYSE:XYF) Share Registry?
Feb 03
X Financial reports Q3 results
Dec 01Shareholder Returns
| XYF | US Consumer Finance | US Market | |
|---|---|---|---|
| 7D | 3.6% | 0.9% | 0.6% |
| 1Y | 130.1% | 47.1% | 23.7% |
Return vs Industry: XYF exceeded the US Consumer Finance industry which returned 47.1% over the past year.
Return vs Market: XYF exceeded the US Market which returned 23.7% over the past year.
Price Volatility
| XYF volatility | |
|---|---|
| XYF Average Weekly Movement | 10.4% |
| Consumer Finance Industry Average Movement | 7.2% |
| Market Average Movement | 6.3% |
| 10% most volatile stocks in US Market | 17.5% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: XYF has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: XYF's weekly volatility (10%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2014 | 521 | Justin Tang | 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 or institutional funding partners. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners.
X Financial Fundamentals Summary
| XYF fundamental statistics | |
|---|---|
| Market cap | US$416.27m |
| Earnings (TTM) | US$184.05m |
| Revenue (TTM) | US$733.82m |
2.3x
P/E Ratio0.6x
P/S RatioIs XYF overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| XYF income statement (TTM) | |
|---|---|
| Revenue | CN¥5.36b |
| Cost of Revenue | CN¥3.30b |
| Gross Profit | CN¥2.05b |
| Other Expenses | CN¥709.76m |
| Earnings | CN¥1.34b |
Last Reported Earnings
Sep 30, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 27.17 |
| Gross Margin | 38.33% |
| Net Profit Margin | 25.08% |
| Debt/Equity Ratio | 6.3% |
How did XYF perform over the long term?
See historical performance and comparisonDividends
4.0%
Current Dividend Yield9%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/30 06:29 |
| End of Day Share Price | 2024/12/27 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .
Analyst Sources
X Financial is covered by 3 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Jacky Zuo | Deutsche Bank |
| Ran Xu | Morgan Stanley |
| John Cai | Morgan Stanley |