X Financial (XYF) Stock Price, Financial Report, & Fundamental Analysis
NYSE:XYFX Financial provides personal finance services in the People's Republic of China. The company offers services as an online marketplace connecting borrowers and investors.
(1.3)
X Financial Fundamental Analysis
Strength
| Analysis | # |
|---|---|
Revenue GrowthXYF has had growing revenue for the last 2 years |
|
Net Income GrowthXYF has had growing net income for the last 2 years |
|
Price to Book (PBV) RatioUndervalued price-to-book. XYF stock price is under 1x the price-to-book value. |
|
Debt-Equity Ratio (DER)XYF equity is higher than it's debt. |
|
Return of AssetsXYF has high return of asset (7.69%). |
|
Return of EquityXYF has high return of equity (15.69%). |
Weakness
| Analysis | # |
|---|---|
Market CapSmall market capitalization. Market capitalization is less than 2bn USD |
|
Net IncomeXYF never has positive net income for 2 years. |
|
Dividend YieldXYF has low dividend yield (0%). |
|
RevenueXYF never has positive revenue for 2 years. |
|
Return of Invested CapitalXYF has low ROIC. |
Competitors
X Financial Financials
Financial statements are written records that convey the business activities and the financial performance of a company. Financial statements include the balance sheet, income statement, and statement of cash flow.
Income Statement
Also known as the profit and loss (P&L) statement or the statement of revenue and expense, the income statement primarily focuses on the company’s revenue and expenses during a particular period.
- Revenue
- 1,511,932,959 USD
- Cost
- 0 USD
- Net Income
- 825,407,023 USD
- Profit Margin
- 54.59%
Cashflow Statement
A cash flow statement is a financial statement that provides aggregate data regarding all cash inflows a company receives from its ongoing operations and external investment sources. It also includes all cash outflows that pay for business activities and investments during a given period.
- Free Cash Flow
- 446,551,143 USD
Balance Sheet
Liquidity & Solvency
Solvency refers to an company's capacity to meet its long-term financial commitments. Liquidity refers to an company's ability to pay short-term obligations. The term also refers to a company's capability to sell assets quickly to raise cash.
Short Term Liabilities
| Quick Ratio | 0% |
Long Term Liabilities
| Liquidity/Current Ratio | 0% |
Dividend
| Dividend Yield | 0% |
| Dividend Payout Ratio (DPR) | 0% |
| Dividend Payout Ratio (DPR) | 0% |
| Dividend per Share | 0,00 USD |
Financial Ratios
| Price to Earning (PER) | 1.7x |
| Price to Earning-Growth (PEG) | 0x |
| Price to Book Value (PBV) | 0x |
| Liquidity/Current Ratio | 0% |
| Cash Ratio | 0% |
| Debt Ratio | 47.77% |
| Debt-Equity Ratio (DER) | 91.45% |
| Net Profit Margin (NPM) | 45.45% |
| Return of Assets (ROA) | 7.69% |
| Return of Equity (ROE) | 15.69% |
| Return on Capital Employed (ROCE) | 0% |
| Days of Sales Outstanding (DSO) | 229.45 |
| Days of Inventory Outstanding (DIO) | 0 |
| Days Payable Outstanding (DPO) | 0 |
| Operating Cycle (OC) | 0 |
| Cash Conversion Cycle (CCC) | 0 |
X Financial Executives
CEO
- CEO Name
- Mr. Yue Tang
Management
X Financial Profile
About X Financial
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. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as loans, money market, and insurance products; and loan facilitation services to other platforms. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.
Additional Information
- Company name
- X Financial
- Symbol
- NYSE:XYF
- Exchange
- New York Stock Exchange
- Industry
- Credit Services
- Sector
- Financial Services
- Address
-
Shenzhen
GUANGDONG
CN
518067 - Website
- https://www.xiaoyinggroup.com