X Financial (XYF) Financial Ratios: P/E, ROE & More

X Financial (XYF) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), X Financial had a P/E ratio of 1.13 (down from 1.87), return on equity of 19.8% (down from 24.1%), debt-to-equity of 0.06 (up from 0.05) and a current ratio of 5.05 (up from 4.73). A current ratio of 5.05 means current assets exceed current liabilities. Its dividend yield was 9.27% with a payout ratio of 10.6%.

X Financial Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	1.13	1.87	1.05	1.41	1.27	-
Forward P/E	3.46	3.46	3.46	3.46	3.46	3.46
P/S Ratio	0.22	0.49	0.26	0.32	0.29	0.32
P/B Ratio	0.21	0.41	0.21	0.24	0.26	0.23
Price/Tangible Book	0.21	0.42	0.21	0.24	0.27	0.23
Price/FCF	1.14	1.91	0.90	1.84	2.35	-
Price/OCF	1.13	1.89	0.90	1.82	2.33	-
PEG Ratio	1.76	1.76	1.76	1.76	1.76	1.76
Enterprise Value Ratios
EV/Revenue	0.18	0.39	0.09	0.18	0.05	0.33
EV/EBITDA	0.28	0.61	0.15	0.34	0.14	-
EV/EBIT	0.28	0.62	0.15	0.34	0.14	-
EV/FCF	0.95	1.51	0.32	1.04	0.40	-
Profitability & Returns
Return on Equity (ROE)	19.81%	24.06%	22.39%	18.60%	23.41%	-35.16%
Return on Assets (ROA)	22.83%	19.71%	17.54%	14.69%	10.96%	-3.65%
Return on Invested Capital (ROIC)	59.13%	50.48%	49.36%	32.50%	28.52%	-14.97%
Return on Capital Employed (ROCE)	39.60%	38.60%	29.90%	25.00%	21.80%	-7.10%
Leverage & Solvency Ratios
Debt/Equity	0.06	0.05	0.10	0.03	0.05	0.13
Debt/EBITDA	0.09	0.10	0.21	0.07	0.14	-
Debt/FCF	0.32	0.24	0.45	0.21	0.43	-
Liquidity Ratios
Current Ratio	5.05	4.73	5.10	6.39	4.59	6.57
Quick Ratio	1.69	1.35	1.41	1.43	0.98	1.19
Efficiency Ratios
Asset Turnover	0.58	0.50	0.47	0.44	0.49	0.28
Yield & Distribution Ratios
Earnings Yield	88.58%	53.42%	94.97%	71.07%	78.70%	-187.30%
FCF Yield	87.44%	52.35%	110.67%	54.33%	42.58%	-98.00%
Dividend Yield	9.27%	4.44%	4.66%	-	-	-
Payout Ratio	10.57%	7.57%	4.92%	-	-	-
Buyback Yield	14.95%	-0.87%	9.79%	4.30%	-4.87%	-0.47%
Total Return	24.22%	3.58%	14.46%	4.30%	-4.87%	-0.47%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About X Financial Financial Ratios

What is X Financial's P/E ratio?

X Financial's P/E ratio was 1.13 for fiscal 2025 (period ended Dec 31, 2025). It was 1.87 a year earlier.

What is X Financial's return on equity?

X Financial's return on equity (ROE) was 19.8% for fiscal 2025 (period ended Dec 31, 2025). It was 24.1% a year earlier.

What is X Financial's debt-to-equity ratio?

X Financial's debt-to-equity ratio was 0.06 for fiscal 2025 (period ended Dec 31, 2025). It was 0.05 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition