X Financial

NYSE:XYF Stock Report

Market Cap: US$394.0m

X Financial Past Earnings Performance

Past criteria checks 3/6

X Financial has been growing earnings at an average annual rate of 37.9%, while the Consumer Finance industry saw earnings growing at 4.3% annually. Revenues have been growing at an average rate of 14.9% per year. X Financial's return on equity is 19.5%, and it has net margins of 25.1%.

Key information

37.9%

Earnings growth rate

39.5%

EPS growth rate

Consumer Finance Industry Growth7.2%
Revenue growth rate14.9%
Return on equity19.5%
Net Margin25.1%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Investors Still Aren't Entirely Convinced By X Financial's (NYSE:XYF) Earnings Despite 29% Price Jump

Dec 10
Investors Still Aren't Entirely Convinced By X Financial's (NYSE:XYF) Earnings Despite 29% Price Jump

X Financial's (NYSE:XYF) Share Price Is Matching Sentiment Around Its Revenues

Sep 26
X Financial's (NYSE:XYF) Share Price Is Matching Sentiment Around Its Revenues

Should You Be Adding X Financial (NYSE:XYF) To Your Watchlist Today?

Mar 28
Should You Be Adding X Financial (NYSE:XYF) To Your Watchlist Today?

X Financial Resumes Growth As Regulatory Risks Abate

Oct 25

Here's Why X Financial (NYSE:XYF) Has Caught The Eye Of Investors

Oct 05
Here's Why X Financial (NYSE:XYF) Has Caught The Eye Of Investors

Investors Aren't Buying X Financial's (NYSE:XYF) Revenues

Aug 01
Investors Aren't Buying X Financial's (NYSE:XYF) Revenues

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

Revenue & Expenses Breakdown

How X Financial makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

NYSE:XYF Revenue, expenses and earnings (CNY Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 245,3561,3432400
30 Jun 245,1701,3152300
31 Mar 245,0181,2662210
31 Dec 234,8151,1872110
30 Sep 234,5781,2721400
30 Jun 234,0761,1371590
31 Mar 233,6809561700
31 Dec 223,5638122090
30 Sep 223,4316832760
30 Jun 223,5007382940
31 Mar 223,6087762980
31 Dec 213,6268252860
30 Sep 213,519242270
30 Jun 213,115-3521930
31 Mar 212,570-9232590
31 Dec 202,193-1,3093360
30 Sep 202,142-5734430
30 Jun 202,436-2915800
31 Mar 202,8413695600
31 Dec 193,0887745720
30 Sep 193,2869376710
30 Jun 193,2789577380
31 Mar 193,5289508250
31 Dec 183,5418838230
30 Sep 183,4078007140
30 Jun 183,0927026510
31 Mar 182,3714314750
31 Dec 171,7873403430
31 Dec 16230-1201080

Quality Earnings: XYF has high quality earnings.

Growing Profit Margin: XYF's current net profit margins (25.1%) are lower than last year (27.8%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: XYF's earnings have grown significantly by 37.9% per year over the past 5 years.

Accelerating Growth: XYF's earnings growth over the past year (5.6%) is below its 5-year average (37.9% per year).

Earnings vs Industry: XYF earnings growth over the past year (5.6%) exceeded the Consumer Finance industry -5.8%.

Return on Equity

High ROE: XYF's Return on Equity (19.5%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/20 07:45
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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.

AnalystInstitution
Jacky ZuoDeutsche Bank
Ran XuMorgan Stanley
John CaiMorgan Stanley