X Financial Past Earnings Performance
Past criteria checks 3/6
X Financial has been growing earnings at an average annual rate of 30.3%, while the Consumer Finance industry saw earnings growing at 5.3% annually. Revenues have been growing at an average rate of 12.9% per year. X Financial's return on equity is 19.8%, and it has net margins of 25.4%.
Key information
30.3%
Earnings growth rate
31.7%
EPS growth rate
| Consumer Finance Industry Growth | 7.2% |
| Revenue growth rate | 12.9% |
| Return on equity | 19.8% |
| Net Margin | 25.4% |
| Last Earnings Update | 30 Jun 2024 |
Recent past performance updates
Recent updates
X Financial's (NYSE:XYF) Share Price Is Matching Sentiment Around Its Revenues
Sep 26
Should 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 01Revenue & Expenses Breakdown
How X Financial makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Jun 24 | 5,170 | 1,315 | 230 | 0 |
| 31 Mar 24 | 5,018 | 1,266 | 221 | 0 |
| 31 Dec 23 | 4,815 | 1,187 | 211 | 0 |
| 30 Sep 23 | 4,578 | 1,272 | 173 | 0 |
| 30 Jun 23 | 4,076 | 1,137 | 159 | 0 |
| 31 Mar 23 | 3,680 | 956 | 170 | 0 |
| 31 Dec 22 | 3,563 | 812 | 209 | 0 |
| 30 Sep 22 | 3,431 | 683 | 276 | 0 |
| 30 Jun 22 | 3,500 | 738 | 294 | 0 |
| 31 Mar 22 | 3,608 | 776 | 298 | 0 |
| 31 Dec 21 | 3,626 | 825 | 286 | 0 |
| 30 Sep 21 | 3,519 | 24 | 227 | 0 |
| 30 Jun 21 | 3,115 | -352 | 193 | 0 |
| 31 Mar 21 | 2,570 | -923 | 259 | 0 |
| 31 Dec 20 | 2,193 | -1,309 | 336 | 0 |
| 30 Sep 20 | 2,142 | -573 | 443 | 0 |
| 30 Jun 20 | 2,436 | -291 | 580 | 0 |
| 31 Mar 20 | 2,841 | 369 | 560 | 0 |
| 31 Dec 19 | 3,088 | 774 | 572 | 0 |
| 30 Sep 19 | 3,286 | 937 | 671 | 0 |
| 30 Jun 19 | 3,278 | 957 | 738 | 0 |
| 31 Mar 19 | 3,528 | 950 | 825 | 0 |
| 31 Dec 18 | 3,541 | 883 | 823 | 0 |
| 30 Sep 18 | 3,407 | 800 | 714 | 0 |
| 30 Jun 18 | 3,092 | 702 | 651 | 0 |
| 31 Mar 18 | 2,371 | 431 | 475 | 0 |
| 31 Dec 17 | 1,787 | 340 | 343 | 0 |
| 31 Dec 16 | 230 | -120 | 108 | 0 |
Quality Earnings: XYF has high quality earnings.
Growing Profit Margin: XYF's current net profit margins (25.4%) are lower than last year (27.9%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: XYF's earnings have grown significantly by 30.3% per year over the past 5 years.
Accelerating Growth: XYF's earnings growth over the past year (15.6%) is below its 5-year average (30.3% per year).
Earnings vs Industry: XYF earnings growth over the past year (15.6%) exceeded the Consumer Finance industry -5.2%.
Return on Equity
High ROE: XYF's Return on Equity (19.8%) is considered low.