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X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. The company offers Xiaoying credit loans, which are online personal credit loan products comprising Xiaoying card loans and other unsecured loan products; and Xiaoying housing loans, a secured home equity loan product. It also provides guarantee, consulting, e-commerce, and microcredit services. In addition, the company engages in the technology development and service, as well as the sale of products. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China. more
| Time Frame | XYF | Sector | S&P500 |
|---|---|---|---|
| 1-Week Return | -1.9% | -4.74% | -1.38% |
| 1-Month Return | -14.85% | -4.68% | -1.81% |
| 3-Month Return | -56.38% | -2.43% | 1.38% |
| 6-Month Return | -63.64% | -2.03% | 5.68% |
| 1-Year Return | -39.01% | -0.02% | 11.74% |
| 3-Year Return | 47.43% | 40.04% | 65.15% |
| 5-Year Return | 11.69% | 61.23% | 73.68% |
| 10-Year Return | -85.63% | 205.62% | 260.03% |
| Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | 5YR TREND | |
|---|---|---|---|---|---|---|
| Total Revenue | (61.50M) | 1.51B | 2.32B | 3.28B | 5.87B | [{"date":"2020-12-31","value":-1.05,"profit":false},{"date":"2021-12-31","value":25.75,"profit":true},{"date":"2022-12-31","value":39.57,"profit":true},{"date":"2023-12-31","value":55.81,"profit":true},{"date":"2024-12-31","value":100,"profit":true}] |
| Cost of Revenue | 1.34B | 144.95M | 1.00B | 1.68B | 1.96B | [{"date":"2020-12-31","value":68.27,"profit":true},{"date":"2021-12-31","value":7.4,"profit":true},{"date":"2022-12-31","value":51.07,"profit":true},{"date":"2023-12-31","value":85.68,"profit":true},{"date":"2024-12-31","value":100,"profit":true}] |
| Gross Profit | (1.40B) | 1.37B | 1.32B | 1.60B | 3.91B | [{"date":"2020-12-31","value":-35.77,"profit":false},{"date":"2021-12-31","value":34.94,"profit":true},{"date":"2022-12-31","value":33.8,"profit":true},{"date":"2023-12-31","value":40.85,"profit":true},{"date":"2024-12-31","value":100,"profit":true}] |
| Gross Margin | 2275.39% | 90.41% | 56.92% | 48.76% | 66.62% | [{"date":"2020-12-31","value":100,"profit":true},{"date":"2021-12-31","value":3.97,"profit":true},{"date":"2022-12-31","value":2.5,"profit":true},{"date":"2023-12-31","value":2.14,"profit":true},{"date":"2024-12-31","value":2.93,"profit":true}] |
| Operating Expenses | 202.15M | 176.18M | 102.51M | 129.59M | 2.04B | [{"date":"2020-12-31","value":9.92,"profit":true},{"date":"2021-12-31","value":8.64,"profit":true},{"date":"2022-12-31","value":5.03,"profit":true},{"date":"2023-12-31","value":6.36,"profit":true},{"date":"2024-12-31","value":100,"profit":true}] |
| Operating Income | (1.60B) | 1.19B | 1.22B | 1.47B | 1.87B | [{"date":"2020-12-31","value":-85.47,"profit":false},{"date":"2021-12-31","value":63.55,"profit":true},{"date":"2022-12-31","value":65.1,"profit":true},{"date":"2023-12-31","value":78.38,"profit":true},{"date":"2024-12-31","value":100,"profit":true}] |
| Total Non-Operating Income/Expense | 627.78M | 691.61M | 958.21M | 1.10B | (139.19M) | [{"date":"2020-12-31","value":57.26,"profit":true},{"date":"2021-12-31","value":63.08,"profit":true},{"date":"2022-12-31","value":87.4,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":-12.7,"profit":false}] |
| Pre-Tax Income | (1.61B) | 1.19B | 1.21B | 1.45B | 1.95B | [{"date":"2020-12-31","value":-82.67,"profit":false},{"date":"2021-12-31","value":61.2,"profit":true},{"date":"2022-12-31","value":62.09,"profit":true},{"date":"2023-12-31","value":74.42,"profit":true},{"date":"2024-12-31","value":100,"profit":true}] |
| Income Taxes | (299.88M) | 368.74M | 396.07M | 261.13M | 405.70M | [{"date":"2020-12-31","value":-73.92,"profit":false},{"date":"2021-12-31","value":90.89,"profit":true},{"date":"2022-12-31","value":97.63,"profit":true},{"date":"2023-12-31","value":64.37,"profit":true},{"date":"2024-12-31","value":100,"profit":true}] |
| Income After Taxes | (1.31B) | 822.06M | 812.00M | 1.19B | 1.54B | [{"date":"2020-12-31","value":-84.97,"profit":false},{"date":"2021-12-31","value":53.38,"profit":true},{"date":"2022-12-31","value":52.73,"profit":true},{"date":"2023-12-31","value":77.07,"profit":true},{"date":"2024-12-31","value":100,"profit":true}] |
| Income From Continuous Operations | (1.31B) | 825.41M | 812.00M | 1.19B | 1.54B | [{"date":"2020-12-31","value":-84.97,"profit":false},{"date":"2021-12-31","value":53.6,"profit":true},{"date":"2022-12-31","value":52.73,"profit":true},{"date":"2023-12-31","value":77.07,"profit":true},{"date":"2024-12-31","value":100,"profit":true}] |
| Income From Discontinued Operations | - | - | - | - | - | [{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true}] |
| Net Income | (1.31B) | 825.41M | 812.00M | 1.19B | 1.54B | [{"date":"2020-12-31","value":-84.97,"profit":false},{"date":"2021-12-31","value":53.6,"profit":true},{"date":"2022-12-31","value":52.73,"profit":true},{"date":"2023-12-31","value":77.07,"profit":true},{"date":"2024-12-31","value":100,"profit":true}] |
| EPS (Diluted) | (2.07) | - | - | 6.89 | 11.28 | [{"date":"2020-12-31","value":-18.37,"profit":false},{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":61.08,"profit":true},{"date":"2024-12-31","value":100,"profit":true}] |
These ratios help you determine the liquidity of the company. Higher is better.
| XYF | |
|---|---|
| Cash Ratio | 0.32 |
| Current Ratio | 4.51 |
These ratios help you understand the company's efficiency in using its assets to generate returns. Higher is better. For ROE, average long term is around 14%, less than 10% is poor.
| XYF | |
|---|---|
| ROA (LTM) | 25.35% |
| ROE (LTM) | 24.19% |
These ratios help you understand the company's liabilities, gauging the riskiness of the investment.
| XYF | |
|---|---|
| Debt Ratio Lower is generally better. Negative is bad. | 0.46 |
| Common Equity/Total Assets Higher is better. Lower can suggest investment is riskier. | 0.54 |
These ratios help you understand the company's valuation. Lower may indicate cheaper stocks.
| XYF | |
|---|---|
| Trailing PE | 0.89 |
| Forward PE | NM |
| P/S (TTM) | 0.03 |
| P/B | 0.18 |
| EV/R | 0.58 |
| EV/Ebitda | NM |
X Financial Class A (XYF) share price today is $5.16
Yes, Indians can buy shares of X Financial Class A (XYF) on Vested. To buy
Yes, you can purchase fractional shares of X Financial Class A (XYF) via the Vested app. You can start investing in X Financial Class A (XYF) with a minimum investment of $1.
You can invest in shares of X Financial Class A (XYF) via Vested in three simple steps:
The 52-week high price of X Financial Class A (XYF) is $19.95. The 52-week low price of X Financial Class A (XYF) is $4.93.
The price-to-earnings (P/E) ratio of X Financial Class A (XYF) is 0.8854
The price-to-book (P/B) ratio of X Financial Class A (XYF) is 0.18
The dividend yield of X Financial Class A (XYF) is 10.13%
The market capitalization of X Financial Class A (XYF) is $199.26M
The stock symbol (or ticker) of X Financial Class A is XYF
Consider the share price of X Financial Class A as a long-term story and not a daily point list. The price represents a movement of the stock in both good and bad times when looked at over many years. This assists the investors to know whether X Financial Class A has succeeded to expand steadily and overcome market declines. With this price movement observed and the way the business is progressing, it is easier to make a decision whether the stock is worth having in the long term or not.
When investing in X Financial Class A shares, you are not based in India then your investment is not just based on the stock price. It is also determined by the currency movement of the dollar in relation to the rupee. When you have an appreciation of the X Financial Class A stock and the dollar appreciation is also the same, you gain more in terms of rupees. When the rupee appreciated, it will lower your profits. This currency flow is a silent cause of great contribution to your ultimate returns over many years.
Rather than merely checking the share price of X Financial Class A and comparing it with that of other stocks in the same sector, one can check how robust the business is. Investors tend to compare such aspects as profits, cash generation, and the stability of the revenues of the company. This means that X Financial Class A stock in most cases does not react in the same manner as other companies in the sector due to its brand and services revenue.
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