Market Valuation & Earnings Multiples
Market capitalization, P/E ratios, and enterprise value
Market Cap176.74M
Enterprise Value-178.55M
Trailing P/E0.66
Forward P/E0.50
XYF
(NYSE)X Financial
$4.22-- (--)
Loading... - Market loading
X Financial (XYF) Key Statistics & Financial Metrics
Complete stock analysis with 40+ metrics: valuation ratios, profitability margins, financial health indicators, and dividend data.
Stock Valuation Metrics
Market value, earnings multiples, and pricing ratios
Price-Based Ratios
Valuation ratios based on stock price
Price/Sales (ttm)0.35
Forward Price/Sales0.28
Price/Book (mrq)0.15
Price/Tangible Book (mrq)0.15
PEG Ratio0.02
Enterprise Value Ratios
EV-based valuation multiples
EV/Revenue-0.36
EV/Earnings-0.69
EV/EBITDA-0.42
EV/EBIT-0.24
Stock Price
Current price, 52-week range, and moving averages
Current Price$4.22
1-Day Change0.00%
52-Week High$20.36
52-Week Low$3.30
52-Week Change-70.99%
YTD Change-28.72%
1-Year Change-74.52%
50-Day MA$4.95
200-Day MA$10.62
Avg Volume (30 day)174.41K
Share Statistics
Outstanding shares, float, and per-share metrics
Shares Outstanding41.88M
Book Value per Share$27.49
Net Cash per Share$8.38
Profitability & Financial Performance
Profit margins, return metrics, and earnings analysis
Profit Margins
Profitability margins across income statement
Gross Margin94.20%
EBITDA Margin (ttm)86.68%
EBIT Margin (ttm)151.41%
Operating Margin (ttm)61.51%
Pretax Margin (ttm)65.22%
Profit Margin (ttm)52.93%
FCF Margin (ttm)44.55%
Return on Investment Metrics
ROE, ROA, ROIC, and capital efficiency ratios
Return on Equity (ttm)22.61%
Return on Assets (ttm)12.21%
Return on Invested Capital (ttm)75.53%
Return on Capital Employed (ttm)42.98%
Income Statement (TTM)
Trailing twelve months revenue and earnings
Revenue492.08M
Gross Profit463.55M
Operating Income302.68M
Pretax Income320.95M
Net Income260.46M
EBITDA426.51M
EBIT744.80M
Diluted EPS$6.22
Cash Flow (TTM)
Operating cash flow and free cash flow metrics
Operating Cash Flow0.00
Growth Rates (YoY)
Year-over-year growth metrics
Dividend Growth55.88%
Financial Health & Dividends
Balance sheet analysis, debt ratios, and dividend metrics
Assets & Cash
Total assets and cash positions
Total Assets (mrq)2.13B
Cash & Securities (mrq)433.50M
Net Cash (mrq)351.10M
Net Cash per Share$8.38
Debt & Liabilities
Liabilities, debt, equity, and working capital
Total Debt (mrq)82.27M
Working Capital (mrq)1.40B
Total Equity (mrq)1.15B
Book Value per Share$27.49
Liquidity & Leverage
Liquidity, leverage, and debt coverage ratios
Current Ratio (mrq)4.51
Quick Ratio (mrq)4.51
Debt/Equity (mrq)0.07
Debt/EBITDA (ttm)0.19
Debt/FCF (ttm)0.38
Dividend History & Payout Analysis
Dividend yield, payout ratios, and growth metrics
Dividend per Share (TTM)$0.53
Dividend Yield12.86%
Payout Ratio (Earnings)8.53%
Payout Ratio (FCF)10.13%
Dividend Growth (YoY)55.88%
Years of Dividend Growth2
Ex-Dividend DateOct 15, 2026
Pay DateOct 15, 2026
Dividend FrequencySemi-Annual
Yield Metrics
Earnings, FCF, buyback, and shareholder yields
Earnings Yield150.89%
Buyback Yield0.00%
Total Shareholder Yield12.86%
Financial Health Scores
Risk assessment and quality metrics
Altman Z-Score2.80
Piotroski F-Score7/9
Dividend Score44.33
Fair Value & Intrinsic Value
Lynch fair value, Graham number, and valuation models
Lynch Fair Value$205.16
Lynch Upside/Downside4879.56%
Graham Number$62.01
Graham Upside/Downside1405.14%
Frequently Asked Questions About X Financial Statistics
What are the key financial metrics for XYF?
X Financial (XYF) statistics include 40+ financial metrics organized into valuation ratios (P/E, P/S, P/B, PEG), profitability margins (gross, operating, net), return metrics (ROE, ROA, ROIC), and financial health indicators. These are updated regularly based on the latest filings and market data.
What is XYF's valuation analysis?
The valuation section covers market capitalization, earnings multiples like trailing and forward P/E, price-based ratios (P/S, P/B, Price/FCF), and enterprise value ratios (EV/EBITDA, EV/Revenue, EV/FCF). Compare these against sector averages to assess whether X Financial is overvalued or undervalued.
How do I read XYF's profitability ratios?
X Financial's profitability is measured through profit margins (gross, EBITDA, operating, net) and return metrics (ROE, ROA, ROIC, ROCE). Higher margins indicate better cost control, while higher returns show efficient capital deployment. The income statement and cash flow sections provide the underlying revenue and earnings data.
What do XYF's debt ratios indicate?
The financial health section shows X Financial's leverage through debt-to-equity, debt-to-assets, debt-to-EBITDA, and debt-to-FCF ratios, plus liquidity via the current and quick ratios. Lower debt ratios and higher liquidity ratios generally indicate stronger financial stability and lower default risk.
What is XYF's dividend analysis?
The dividend section covers X Financial's dividend yield, payout ratios (earnings-based and FCF-based), year-over-year dividend growth, years of consecutive growth, ex-dividend and pay dates, and payment frequency. The yield metrics section also includes earnings yield, FCF yield, buyback yield, and total shareholder yield.