Financhill
Buy
85

XYF Quote, Financials, Valuation and Earnings

Last price:
$12.85
Seasonality move :
11.22%
Day range:
$12.54 - $13.36
52-week range:
$3.68 - $17.70
Dividend yield:
2.55%
P/E ratio:
3.05x
P/S ratio:
1.82x
P/B ratio:
0.59x
Volume:
130.4K
Avg. volume:
276.8K
1-year change:
237.57%
Market cap:
$562.2M
Revenue:
$356.6M
EPS (TTM):
$4.37

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
XYF
X Financial
-- -- -- -- --
AIFU
AIFU
-- -- -- -- $6.00
BYU
Baiyu Holdings
-- -- -- -- --
DXF
Dunxin Financial Holdings
-- -- -- -- --
LX
LexinFintech Holdings
-- -- -- -- $11.90
NCTY
The9
-- -- -- -- --
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
XYF
X Financial
$13.32 -- $562.2M 3.05x $0.17 2.55% 1.82x
AIFU
AIFU
$0.22 $6.00 $12.7M 0.19x $0.00 0% 0.05x
BYU
Baiyu Holdings
$0.18 -- $8.9M 0.40x $0.00 0% 0.04x
DXF
Dunxin Financial Holdings
-- -- -- -- $0.00 0% --
LX
LexinFintech Holdings
$8.58 $11.90 $1.4B 9.53x $0.11 2.12% 0.74x
NCTY
The9
$10.31 -- $145M -- $0.00 0% 3.10x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
XYF
X Financial
4.51% -1.342 11.39% 1.43x
AIFU
AIFU
7.35% 1.874 5.59% 2.24x
BYU
Baiyu Holdings
1.28% 4.518 12.18% 7.73x
DXF
Dunxin Financial Holdings
-- 0.000 -- --
LX
LexinFintech Holdings
32.74% 2.130 75.09% 0.73x
NCTY
The9
-- 2.254 -- --
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
XYF
X Financial
-- -- 22.06% 23.58% 134.15% --
AIFU
AIFU
$30.6M $2.3M 11.99% 12.88% -28.32% $8M
BYU
Baiyu Holdings
-$58.1K -$2.5M 2.68% 2.72% 13.14% -$3.8M
DXF
Dunxin Financial Holdings
-- -- -- -- -- --
LX
LexinFintech Holdings
$177.1M $78.3M 7.15% 10.78% 11.83% --
NCTY
The9
-- -- -- -- -- --

X Financial vs. Competitors

  • Which has Higher Returns XYF or AIFU?

    AIFU has a net margin of 49.53% compared to X Financial's net margin of -4.51%. X Financial's return on equity of 23.58% beat AIFU's return on equity of 12.88%.

    Company Gross Margin Earnings Per Share Invested Capital
    XYF
    X Financial
    -- $1.12 $997.5M
    AIFU
    AIFU
    36.46% -$0.08 $352.9M
  • What do Analysts Say About XYF or AIFU?

    X Financial has a consensus price target of --, signalling downside risk potential of -61.71%. On the other hand AIFU has an analysts' consensus of $6.00 which suggests that it could grow by 2567.85%. Given that AIFU has higher upside potential than X Financial, analysts believe AIFU is more attractive than X Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    XYF
    X Financial
    0 0 0
    AIFU
    AIFU
    0 1 0
  • Is XYF or AIFU More Risky?

    X Financial has a beta of 0.052, which suggesting that the stock is 94.803% less volatile than S&P 500. In comparison AIFU has a beta of 0.111, suggesting its less volatile than the S&P 500 by 88.911%.

  • Which is a Better Dividend Stock XYF or AIFU?

    X Financial has a quarterly dividend of $0.17 per share corresponding to a yield of 2.55%. AIFU offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. X Financial pays 7.58% of its earnings as a dividend. AIFU pays out -- of its earnings as a dividend. X Financial's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios XYF or AIFU?

    X Financial quarterly revenues are $108.2M, which are larger than AIFU quarterly revenues of $83.8M. X Financial's net income of $53.6M is higher than AIFU's net income of -$3.8M. Notably, X Financial's price-to-earnings ratio is 3.05x while AIFU's PE ratio is 0.19x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for X Financial is 1.82x versus 0.05x for AIFU. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    XYF
    X Financial
    1.82x 3.05x $108.2M $53.6M
    AIFU
    AIFU
    0.05x 0.19x $83.8M -$3.8M
  • Which has Higher Returns XYF or BYU?

    Baiyu Holdings has a net margin of 49.53% compared to X Financial's net margin of 9.52%. X Financial's return on equity of 23.58% beat Baiyu Holdings's return on equity of 2.72%.

    Company Gross Margin Earnings Per Share Invested Capital
    XYF
    X Financial
    -- $1.12 $997.5M
    BYU
    Baiyu Holdings
    -0.16% $0.07 $439.2M
  • What do Analysts Say About XYF or BYU?

    X Financial has a consensus price target of --, signalling downside risk potential of -61.71%. On the other hand Baiyu Holdings has an analysts' consensus of -- which suggests that it could fall by --. Given that X Financial has higher upside potential than Baiyu Holdings, analysts believe X Financial is more attractive than Baiyu Holdings.

    Company Buy Ratings Hold Ratings Sell Ratings
    XYF
    X Financial
    0 0 0
    BYU
    Baiyu Holdings
    0 0 0
  • Is XYF or BYU More Risky?

    X Financial has a beta of 0.052, which suggesting that the stock is 94.803% less volatile than S&P 500. In comparison Baiyu Holdings has a beta of 0.735, suggesting its less volatile than the S&P 500 by 26.487%.

  • Which is a Better Dividend Stock XYF or BYU?

    X Financial has a quarterly dividend of $0.17 per share corresponding to a yield of 2.55%. Baiyu Holdings offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. X Financial pays 7.58% of its earnings as a dividend. Baiyu Holdings pays out -- of its earnings as a dividend. X Financial's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios XYF or BYU?

    X Financial quarterly revenues are $108.2M, which are larger than Baiyu Holdings quarterly revenues of $37.2M. X Financial's net income of $53.6M is higher than Baiyu Holdings's net income of $3.5M. Notably, X Financial's price-to-earnings ratio is 3.05x while Baiyu Holdings's PE ratio is 0.40x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for X Financial is 1.82x versus 0.04x for Baiyu Holdings. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    XYF
    X Financial
    1.82x 3.05x $108.2M $53.6M
    BYU
    Baiyu Holdings
    0.04x 0.40x $37.2M $3.5M
  • Which has Higher Returns XYF or DXF?

    Dunxin Financial Holdings has a net margin of 49.53% compared to X Financial's net margin of --. X Financial's return on equity of 23.58% beat Dunxin Financial Holdings's return on equity of --.

    Company Gross Margin Earnings Per Share Invested Capital
    XYF
    X Financial
    -- $1.12 $997.5M
    DXF
    Dunxin Financial Holdings
    -- -- --
  • What do Analysts Say About XYF or DXF?

    X Financial has a consensus price target of --, signalling downside risk potential of -61.71%. On the other hand Dunxin Financial Holdings has an analysts' consensus of -- which suggests that it could fall by --. Given that X Financial has higher upside potential than Dunxin Financial Holdings, analysts believe X Financial is more attractive than Dunxin Financial Holdings.

    Company Buy Ratings Hold Ratings Sell Ratings
    XYF
    X Financial
    0 0 0
    DXF
    Dunxin Financial Holdings
    0 0 0
  • Is XYF or DXF More Risky?

    X Financial has a beta of 0.052, which suggesting that the stock is 94.803% less volatile than S&P 500. In comparison Dunxin Financial Holdings has a beta of 0.000, suggesting its less volatile than the S&P 500 by 100%.

  • Which is a Better Dividend Stock XYF or DXF?

    X Financial has a quarterly dividend of $0.17 per share corresponding to a yield of 2.55%. Dunxin Financial Holdings offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. X Financial pays 7.58% of its earnings as a dividend. Dunxin Financial Holdings pays out -- of its earnings as a dividend. X Financial's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios XYF or DXF?

    X Financial quarterly revenues are $108.2M, which are larger than Dunxin Financial Holdings quarterly revenues of --. X Financial's net income of $53.6M is higher than Dunxin Financial Holdings's net income of --. Notably, X Financial's price-to-earnings ratio is 3.05x while Dunxin Financial Holdings's PE ratio is --. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for X Financial is 1.82x versus -- for Dunxin Financial Holdings. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    XYF
    X Financial
    1.82x 3.05x $108.2M $53.6M
    DXF
    Dunxin Financial Holdings
    -- -- -- --
  • Which has Higher Returns XYF or LX?

    LexinFintech Holdings has a net margin of 49.53% compared to X Financial's net margin of 9.91%. X Financial's return on equity of 23.58% beat LexinFintech Holdings's return on equity of 10.78%.

    Company Gross Margin Earnings Per Share Invested Capital
    XYF
    X Financial
    -- $1.12 $997.5M
    LX
    LexinFintech Holdings
    34.82% $0.29 $2.2B
  • What do Analysts Say About XYF or LX?

    X Financial has a consensus price target of --, signalling downside risk potential of -61.71%. On the other hand LexinFintech Holdings has an analysts' consensus of $11.90 which suggests that it could grow by 38.68%. Given that LexinFintech Holdings has higher upside potential than X Financial, analysts believe LexinFintech Holdings is more attractive than X Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    XYF
    X Financial
    0 0 0
    LX
    LexinFintech Holdings
    4 0 0
  • Is XYF or LX More Risky?

    X Financial has a beta of 0.052, which suggesting that the stock is 94.803% less volatile than S&P 500. In comparison LexinFintech Holdings has a beta of 0.456, suggesting its less volatile than the S&P 500 by 54.398%.

  • Which is a Better Dividend Stock XYF or LX?

    X Financial has a quarterly dividend of $0.17 per share corresponding to a yield of 2.55%. LexinFintech Holdings offers a yield of 2.12% to investors and pays a quarterly dividend of $0.11 per share. X Financial pays 7.58% of its earnings as a dividend. LexinFintech Holdings pays out 14.94% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios XYF or LX?

    X Financial quarterly revenues are $108.2M, which are smaller than LexinFintech Holdings quarterly revenues of $508.5M. X Financial's net income of $53.6M is higher than LexinFintech Holdings's net income of $50.4M. Notably, X Financial's price-to-earnings ratio is 3.05x while LexinFintech Holdings's PE ratio is 9.53x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for X Financial is 1.82x versus 0.74x for LexinFintech Holdings. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    XYF
    X Financial
    1.82x 3.05x $108.2M $53.6M
    LX
    LexinFintech Holdings
    0.74x 9.53x $508.5M $50.4M
  • Which has Higher Returns XYF or NCTY?

    The9 has a net margin of 49.53% compared to X Financial's net margin of --. X Financial's return on equity of 23.58% beat The9's return on equity of --.

    Company Gross Margin Earnings Per Share Invested Capital
    XYF
    X Financial
    -- $1.12 $997.5M
    NCTY
    The9
    -- -- --
  • What do Analysts Say About XYF or NCTY?

    X Financial has a consensus price target of --, signalling downside risk potential of -61.71%. On the other hand The9 has an analysts' consensus of -- which suggests that it could fall by --. Given that X Financial has higher upside potential than The9, analysts believe X Financial is more attractive than The9.

    Company Buy Ratings Hold Ratings Sell Ratings
    XYF
    X Financial
    0 0 0
    NCTY
    The9
    0 0 0
  • Is XYF or NCTY More Risky?

    X Financial has a beta of 0.052, which suggesting that the stock is 94.803% less volatile than S&P 500. In comparison The9 has a beta of 1.962, suggesting its more volatile than the S&P 500 by 96.195%.

  • Which is a Better Dividend Stock XYF or NCTY?

    X Financial has a quarterly dividend of $0.17 per share corresponding to a yield of 2.55%. The9 offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. X Financial pays 7.58% of its earnings as a dividend. The9 pays out -- of its earnings as a dividend. X Financial's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios XYF or NCTY?

    X Financial quarterly revenues are $108.2M, which are larger than The9 quarterly revenues of --. X Financial's net income of $53.6M is higher than The9's net income of --. Notably, X Financial's price-to-earnings ratio is 3.05x while The9's PE ratio is --. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for X Financial is 1.82x versus 3.10x for The9. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    XYF
    X Financial
    1.82x 3.05x $108.2M $53.6M
    NCTY
    The9
    3.10x -- -- --

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