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XYF

X Financial NYSE:XYF Stock Report

Last Price

US$2.33

Market Cap

US$127.5m

7D

-0.2%

1Y

-44.6%

Updated

27 Sep, 2022

Data

Company Financials
XYF fundamental analysis
Snowflake Score
Valuation4/6
Future Growth0/6
Past Performance2/6
Financial Health6/6
Dividends0/6

XYF Stock Overview

X Financial provides personal finance services in the People's Republic of China.

X Financial Competitors

Price History & Performance

Summary of all time highs, changes and price drops for X Financial
Historical stock prices
Current Share PriceUS$2.33
52 Week HighUS$7.30
52 Week LowUS$1.84
Beta0.59
1 Month Change-14.21%
3 Month Change-13.25%
1 Year Change-44.64%
3 Year Change-64.77%
5 Year Changen/a
Change since IPO-93.53%

Recent News & Updates

Aug 08

X Financial Non-GAAP EPS of $0.56, revenue of $123.1M

X Financial press release (NYSE:XYF): Q2 Non-GAAP EPS of $0.56. Revenue of $123.1M (-14.8% Y/Y).

Shareholder Returns

XYFUS Consumer FinanceUS Market
7D-0.2%-10.4%-5.8%
1Y-44.6%-39.9%-22.1%

Return vs Industry: XYF underperformed the US Consumer Finance industry which returned -41.1% over the past year.

Return vs Market: XYF underperformed the US Market which returned -23.7% over the past year.

Price Volatility

Is XYF's price volatile compared to industry and market?
XYF volatility
XYF Average Weekly Movement7.9%
Consumer Finance Industry Average Movement7.6%
Market Average Movement6.9%
10% most volatile stocks in US Market15.7%
10% least volatile stocks in US Market2.8%

Stable Share Price: XYF is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 8% a week.

Volatility Over Time: XYF's weekly volatility (8%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
2014424Justin Tanghttps://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. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners, as well as Xiaoying revolving loan.

X Financial Fundamentals Summary

How do X Financial's earnings and revenue compare to its market cap?
XYF fundamental statistics
Market CapUS$127.53m
Earnings (TTM)US$102.89m
Revenue (TTM)US$487.76m

1.2x

P/E Ratio

0.3x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
XYF income statement (TTM)
RevenueCN¥3.50b
Cost of RevenueCN¥2.00b
Gross ProfitCN¥1.50b
Other ExpensesCN¥761.66m
EarningsCN¥738.40m

Last Reported Earnings

Jun 30, 2022

Next Earnings Date

n/a

Earnings per share (EPS)13.46
Gross Margin42.85%
Net Profit Margin21.09%
Debt/Equity Ratio0.5%

How did XYF perform over the long term?

See historical performance and comparison