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X Financial

XYF

$4.68 ▼ -0.25 (-5.07%) at close

10 Visible periods

31 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

X Financial shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $1.1B

Dividend Yield 1.90%

Revenue Growth 35.8% ↗

Op. Margin 21.3% ↘

ROIC 16.4% ↘

FCF / Share $0.85 ↗

Trailing P/E 5.4x

Price / Book 1.0x

FCF Yield 18.1%

Debt / Equity 0.05

info Valuation on last close. End-of-day price, Nov 5, 2026.

10-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.09B

↑ +35.8% —

Net Income Profit after all expenses

$209.43M

↓ -0.7% —

Operating Margin Operating profit as % of sales

21.3%

↓ -33.1% 77th

FCF / Share Free cash flow per share

$0.85

↑ +18.4% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health →

Cash Quality ↑

Dividend History

Dividend / share · sourced from SEC filings

$0.09 Latest / share

FY 2016

FY 2017

FY 2018

FY 2019

FY 2020

FY 2021

FY 2022

FY 2023

FY 2024

$0.09

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗	FY 2016 Dec 31, 2016 20-F ↗
Revenue Growth YoY (%)	35.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+497%)	18.6% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+210%)	31.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+421%)	-9.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-254%)	69.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1055%)	-24.2% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-504%)	-13.9% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-331%)	—	—	—
EPS Growth YoY (%)	17.8% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	25.9% Excellent → Excellent Stable Year-over-year change in earnings per share Optimal: > 10%	56.8% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-5.1% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	-22.2% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—
Net Income Growth YoY (%)	-0.7% Weak ↓ Weak Declining Year-over-year change in net income	26.2% Excellent ↑ Excellent Improving Year-over-year change in net income	42.0% Excellent Excellent Year-over-year change in net income	-9.1% Weak Weak Year-over-year change in net income	N/M	N/M	-13.4% Weak Weak Year-over-year change in net income	—	—	—
FCF Growth YoY (%)	18.4% Good ↓ Good Declining Year-over-year change in free cash flow	81.8% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	171.5% Excellent Excellent Year-over-year change in free cash flow	-31.8% Weak Weak Year-over-year change in free cash flow	N/M	N/M	N/M	—	—	—
Revenue CAGR 3Y (%)	28.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	12.2% Good → Good Stable Compound annual revenue growth over 3 years	26.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	5.2% Fair Fair Compound annual revenue growth over 3 years	3.4% Caution Caution Compound annual revenue growth over 3 years	—	—	—	—	—
Revenue CAGR 5Y (%)	26.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	12.6% Excellent Excellent Compound annual revenue growth over 5 years	5.7% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	32.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	23.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	—	1.9% Caution Caution Compound annual EPS growth over 3 years	-4.7% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 4 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗	FY 2016 Dec 31, 2016 20-F ↗
Operating Margin (%) (%)	21.3% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-15%)	31.9% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	29.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	30.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	36.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	-65.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-361%)	26.3% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+5%)	36.0% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+44%)	—	—
Profit Margin (%) (%)	19.2% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	26.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	24.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	22.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	22.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	-59.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-371%)	25.1% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	24.9% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	—	—
FCF Margin (%) (%)	18.9% Good ↑ Good Improving Free cash flow as a percentage of revenue Optimal: > 10%	25.7% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	16.7% Good ↑ Good Improving Free cash flow as a percentage of revenue Optimal: > 10%	8.9% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	12.3% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	-31.2% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	19.0% Good Good Free cash flow as a percentage of revenue Optimal: > 10%	-0.9% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—	—
FCF / Net Income (x)	0.99x Caution ↑ Caution Improving Free cash flow relative to reported net income Optimal: > 1x	0.98x Caution ↑ Caution Improving Free cash flow relative to reported net income Optimal: > 1x	0.68x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	0.39x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.54x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	0.52x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	0.76x Caution Caution Free cash flow relative to reported net income Optimal: > 1x	-0.04x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗	FY 2016 Dec 31, 2016 20-F ↗
Return on Invested Capital (%)	16.4% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	21.3% Excellent → Excellent Stable Return earned on debt + equity capital invested Optimal: > 10%	19.4% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	18.0% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	26.0% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	-36.7% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	14.7% Good Good Return earned on debt + equity capital invested Optimal: > 10%	28.6% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—	—
Return on Capital (%) (%)	11.1% Good ↓ Good Declining Operating profit relative to total assets Optimal: > 10%	15.9% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	12.3% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	12.2% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	17.9% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	-19.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	9.8% Fair Fair Operating profit relative to total assets Optimal: > 10%	27.5% Excellent Excellent Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	18.7% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+56%)	22.1% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+85%)	20.3% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+69%)	17.1% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+42%)	20.8% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+73%)	-42.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-455%)	17.7% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+48%)	25.1% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+109%)	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗	FY 2016 Dec 31, 2016 20-F ↗
Debt to Equity (x)	0.05x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	0.05x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	—	—	—	—	—	—	—	—
Interest Coverage (x)	56.13x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	77.55x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	61.84x Excellent ↓ Excellent Declining Operating income divided by interest expense Optimal: > 5x	543.59x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	195.10x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	-125.41x Weak Weak Operating income divided by interest expense Optimal: > 5x	233.85x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	—	—	—
Net Debt (USD)	$-82.67M	$-89.89M	$-168.36M	$-87.32M	$-91.76M	$-114.39M	$-144.50M	$-155.53M	—	—
Debt / EBITDA (x)	0.25x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.17x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	—	—	—	—	—

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗	FY 2016 Dec 31, 2016 20-F ↗
Revenue per Share (USD)	$4.48	$2.79	$2.35	$1.63	$1.73	$1.05	$1.41	$1.80	—	—
Basic EPS, GAAP (USD)	$0.86	$0.73	$0.58	$0.37	$0.39	$-0.62	$0.35	$0.45	—	—
Free Cash Flow per Share (USD)	$0.85	$0.72	$0.39	$0.15	$0.21	$-0.33	$0.27	$-0.02	—	—
Dividend per Share (USD)	$0.09	—	—	—	—	—	—	—	—	—
Book Value per Share (USD)	$4.78	$3.80	$2.81	$2.39	$1.90	$1.46	$1.96	$1.68	—	—
Tangible Book Value per Share (USD)	$4.75	$3.78	$2.79	$2.38	$1.88	$1.44	$1.94	$1.67	—	—
Basic Weighted Avg Shares (shares)	243.98M	288.83M	288.12M	316.44M	329.23M	321.24M	313.76M	286.59M	261.22M	238.10M
Dividend Payout Ratio (%)	10.3% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 1 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗	FY 2016 Dec 31, 2016 20-F ↗
Total Equity (USD)	$1.12B	$952.58M	$823.55M	$689.16M	$624.06M	$471.23M	$627.12M	$511.53M	—	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗	FY 2018 Dec 31, 2018 20-F ↗	FY 2017 Dec 31, 2017 20-F ↗	FY 2016 Dec 31, 2016 20-F ↗
Sales/Revenue/Turnover (USD)	$1.09B	$804.43M	$678.16M	$516.58M	$569.07M	$336.09M	$443.57M	$514.96M	—	—
Depreciation Expense (USD)	$1.60M	$986.23K	$740.94K	$963.62K	$1.28M	$1.83M	$1.63M	$1.40M	—	—
Net Income, GAAP (USD)	$209.43M	$210.97M	$167.16M	$117.73M	$129.52M	$-200.54M	$111.22M	$128.44M	—	—
Operating Cash Flow (USD)	$209.86M	$208.70M	$114.67M	$46.79M	$70.48M	$-104.10M	$86.27M	$778.73K	—	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 10 years · 9 quarters

X Financial

Analytical Summary

10-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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