Financhill
Buy
82

XYF Quote, Financials, Valuation and Earnings

Last price:
$11.65
Seasonality move :
48.62%
Day range:
$11.57 - $11.97
52-week range:
$3.68 - $17.70
Dividend yield:
2.98%
P/E ratio:
2.61x
P/S ratio:
1.54x
P/B ratio:
0.57x
Volume:
63K
Avg. volume:
324.8K
1-year change:
209.76%
Market cap:
$541.4M
Revenue:
$356.7M
EPS (TTM):
$4.37

Analysts' Opinion

  • Consensus Rating
    No consensus rating exists at this time due to lack of analyst coverage.
  • Price Target Downside
    No price target exists because of limited analyst coverage.
  • Price Target Upside
    Similarly, at this time, analysts have not provided a price target so downside risk can't be assessed accurately at this time.

Fair Value

  • According to the consensus of 0 analysts, X Financial has -55.34% downside to fair value with a price target of -- per share.

XYF vs. S&P 500

  • Over the past 5 trading days, X Financial has underperformed the S&P 500 by -6.37% suggesting its relative strength compared to the major market average is weak at this time.

Share Buyback

  • X Financial does not have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • X Financial has grown year-over-year revenues for 4 quarters straight. In the most recent quarter X Financial reported revenues of $108.2M.

Earnings Growth

  • X Financial has grown year-over-year earnings for 4 quarters straight. In the most recent quarter X Financial reported earnings per share of $1.12.
Enterprise value:
183.3M
EV / Invested capital:
--
Price / LTM sales:
1.54x
EV / EBIT:
0.37x
EV / Revenue:
0.50x
PEG ratio (5yr expected):
0.09x
EV / Free cash flow:
1.05x
Price / Operating cash flow:
--
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
12.97%
Net Income Margin (TTM):
59.03%
Return On Equity:
23.58%
Return On Invested Capital:
22.06%
Operating Margin:
--
Trailing 12 Months Fiscal Quarters
Period Ending 2022-12-31 2023-12-31 2024-12-31 2023-12-31 2024-12-31
Income Statement
Revenue $228.2M $266.3M $363.5M $59.1M $108.2M
Gross Profit -- -- -- -- --
Operating Income -- -- -- -- --
EBITDA -- -- -- -- --
Diluted EPS $2.17 $3.42 $4.37 $0.53 $1.12
Period Ending 2020-12-31 2021-12-31 2022-12-31 2023-12-31 2024-12-31
Balance Sheet
Current Assets $383.6M $463.1M $521M $647.6M $681.3M
Total Assets $1.1B $1.2B $1.3B $1.6B $1.6B
Current Liabilities $642.8M $421.3M $553.6M $768.1M $476.5M
Total Liabilities $676.8M $528.1M $592M $818.6M $666.6M
Total Equity $470.8M $623.9M $688.9M $824.9M $952.5M
Total Debt $53.7M $26.1M $10.2M $79.7M $45M
Trailing 12 Months Fiscal Quarters
Period Ending 2021-03-31 2022-03-31 2023-03-31 2022-03-31 2023-03-31
Cash Flow Statement
Cash Flow Operations -- -- -- $30.1M $84.6M
Cash From Investing -- -- -- $1.5M $2.1M
Cash From Financing -- -- -- -$12.3K $266.1K
Free Cash Flow -- -- $175.1M $30.1M $84.6M
XYF
Sector
Market Cap
$541.4M
$580.7M
Price % of 52-Week High
64.52%
80.73%
Dividend Yield
2.98%
2.12%
Shareholder Yield
--
3.67%
1-Year Price Total Return
198.95%
5.8%
Beta (5-Year)
-0.100
0.555
Dividend yield:
2.98%
Annualized payout:
$0.34
Payout ratio:
--
Growth streak:
0 years

Technicals

8-day SMA
Sell
Level $11.76
200-day SMA
Buy
Level $7.44
Bollinger Bands (100)
Buy
Level 7.07 - 12.09
Chaikin Money Flow
Sell
Level -235.9K
20-day SMA
Sell
Level $13.30
Relative Strength Index (RSI14)
Sell
Level 46.32
ADX Line
Sell
Level 30.56
Williams %R
Buy
Level -81.5789
50-day SMA
Buy
Level $11.51
MACD (12, 26)
Sell
Level -0.13
25-day Aroon Oscillator
Sell
Level -44
On Balance Volume
Neutral
Level 22.2M

Financial Scores

Hold
Altman Z-Score (Annual)
Level (2.2096)
Buy
CA Score (Annual)
Level (1.1647)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (10)
Buy
Ohlson Score
Level (-1.3411)
--
Piotroski F Score (Annual)
Level (--)
--
Quality Ratio Score
Level (--)
Buy
Fundamental Score
Level (7)

Revenue Forecast

Earnings per Share Forecast

Company Profile

X Financial is a Cayman Islands-based technology-driven personal finance company. Along with its subsidiaries, the firm provides diversified investment opportunities to investors in China through its wealth management platform, Xiaoying Wealth Management. Loan products offered by the company include Xiaoying Card Loan, Xiaoying Preferred Loan, and Xiaoying Housing Loan. The company generates revenue from loan facilitation service, post-origination service, and guarantee services provided.

Stock Forecast FAQ

In the current month, XYF has received 0 Buy ratings 0 Hold ratings, and 0 Sell ratings. The XYF average analyst price target in the past 3 months is --.

  • Where Will X Financial Stock Be In 1 Year?

    According to analysts, the consensus estimate is that X Financial share price will drop to -- per share over the next 12 months.

  • What Do Analysts Say About X Financial?

    Analysts are divided on their view about X Financial share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that X Financial is a Sell and believe this share price will rise from its current level to --.

  • What Is X Financial's Price Target?

    The price target for X Financial over the next 1-year time period is forecast to be -- according to 0 Wall Street analysts, 0 of them rate the stock a Buy, 0 rate the stock a Sell, and 0 analysts rate the stock a Hold.

  • Is XYF A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for X Financial is a --. 0 of 0 analysts rate the stock a -- at this time.

  • How Can I Buy Shares Of XYF?

    You can purchase shares of X Financial via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, tastytrade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase X Financial shares.

  • What Is The X Financial Share Price Today?

    X Financial was last trading at $11.65 per share. This represents the most recent stock quote for X Financial. Yesterday, X Financial closed at $11.74 per share.

  • How To Buy X Financial Stock Online?

    In order to purchase X Financial stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

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