X Financial Balance Sheet Health
Financial Health criteria checks 6/6
X Financial has a total shareholder equity of CN¥6.9B and total debt of CN¥433.5M, which brings its debt-to-equity ratio to 6.3%. Its total assets and total liabilities are CN¥11.6B and CN¥4.7B respectively. X Financial's EBIT is CN¥1.8B making its interest coverage ratio -39.1. It has cash and short-term investments of CN¥1.0B.
Key information
6.3%
Debt to equity ratio
CN¥433.50m
Debt
| Interest coverage ratio | -39.1x |
| Cash | CN¥1.04b |
| Equity | CN¥6.90b |
| Total liabilities | CN¥4.72b |
| Total assets | CN¥11.62b |
Recent financial health 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 01Financial Position Analysis
Short Term Liabilities: XYF's short term assets (CN¥10.0B) exceed its short term liabilities (CN¥2.0B).
Long Term Liabilities: XYF's short term assets (CN¥10.0B) exceed its long term liabilities (CN¥2.7B).
Debt to Equity History and Analysis
Debt Level: XYF has more cash than its total debt.
Reducing Debt: XYF's debt to equity ratio has reduced from 9.5% to 6.3% over the past 5 years.
Debt Coverage: XYF's debt is well covered by operating cash flow (187.8%).
Interest Coverage: XYF earns more interest than it pays, so coverage of interest payments is not a concern.
Balance Sheet
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/20 00:18 |
| End of Day Share Price | 2024/12/20 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 |
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| 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 |