X Financial Past Earnings Performance

Past criteria checks 6/6

X Financial has been growing earnings at an average annual rate of 14.8%, while the Consumer Finance industry saw earnings growing at 8.1% annually. Revenues have been growing at an average rate of 7.7% per year. X Financial's return on equity is 20.3%, and it has net margins of 24.6%.

Key information

14.8%

Earnings growth rate

14.8%

EPS growth rate

Consumer Finance Industry Growth7.2%
Revenue growth rate7.7%
Return on equity20.3%
Net Margin24.6%
Last Earnings Update31 Dec 2023

Recent past performance updates

Recent updates

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
Beta

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
31 Dec 234,8151,1872110
30 Sep 234,5781,2721730
30 Jun 234,0761,1371590
31 Mar 233,6809561790
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 (24.6%) are higher than last year (22.8%).


Free Cash Flow vs Earnings Analysis


Past Earnings Growth Analysis

Earnings Trend: XYF's earnings have grown by 14.8% per year over the past 5 years.

Accelerating Growth: XYF's earnings growth over the past year (46.2%) exceeds its 5-year average (14.8% per year).

Earnings vs Industry: XYF earnings growth over the past year (46.2%) exceeded the Consumer Finance industry -13.5%.


Return on Equity

High ROE: XYF's Return on Equity (20.3%) is considered high.


Return on Assets


Return on Capital Employed


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