| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| QDQudian Inc. | 304.91M | 3.00 | 6.12 | 71.31% | 42.38% | 4.56% | 0.07 | |
| NISNNisun International Enterprise Development Group Co., Ltd | 5.73M | 1.20 | 5.20 | -12.17% | 0.27% | 8.76% | 0.04 | |
| LULufax Holding Ltd | 2.25B | 2.60 | 0.84 | -39.62% | 2.13% | -3.92% | 100% | 0.48 |
| FINVFinVolution Group | 736.79M | 5.26 | 0.58 | 3.69% | 18.24% | 16.74% | 100% | 0.00 |
| LXLexinFintech Holdings Ltd. | 415.01M | 3.13 | 0.48 | 8.78% | 7.75% | 13.91% | 100% | 0.49 |
| QFINQfin Holdings, Inc. | 2.2B | 16.89 | 0.20 | 5.38% | 36.49% | 28.34% | 100% | 0.07 |
| YRDYiren Digital Ltd. | 343.9M | 3.98 | 0.11 | 18.59% | 27.25% | 12.13% | 100% | 0.00 |
| XYFX Financial | 136.82M | 6.00 | 0.03 | 79.16% | 26.23% | 22.61% | 100% | 0.05 |
| Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 30.76M | 134.37M | 80.33M | 427.79M | 634.59M | 691.61M | 136.92M | -253.97M | -211.03M |
| NII Growth % | - | 3.37% | -0.4% | 4.33% | 0.48% | 0.09% | -0.8% | -2.85% | 0.17% |
| Net Interest Margin % | - | - | - | - | - | - | - | - | - |
| Interest Income | 30.76M | 134.37M | 80.33M | 427.79M | 634.59M | 691.61M | 970.03M | 1.12B | 1.37B |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 833.11M | 1.37B | 1.58B |
| Loan Loss Provision | 8.1M | 350.28M | 653.71M | 310.01M | 1.34B | 144.95M | 167.71M | 308.22M | 377.33M |
| Non-Interest Income | -69.93M | 869.21M | 2.09B | 850.7M | -696.09M | 820.32M | 1.35B | 2.16B | 4.5B |
| Non-Interest Income % | - | - | - | - | - | - | - | - | - |
| Total Revenue | -39.17M | 1B | 2.17B | 1.28B | -61.5M | 1.51B | 2.32B | 3.28B | 5.87B |
| Revenue Growth % | - | 26.62% | 1.16% | -0.41% | -1.05% | 25.58% | 0.54% | 0.41% | 0.79% |
| Non-Interest Expense | 99.93M | 174.73M | 431.65M | 304.56M | 202.15M | 176.18M | 102.51M | 129.59M | 2.04B |
| Efficiency Ratio | - | - | - | - | - | - | - | - | - |
| Operating Income | -147.2M | 478.58M | 1.08B | 663.92M | -1.6B | 1.19B | 1.22B | 1.47B | 1.87B |
| Operating Margin % | - | - | - | - | - | - | - | - | - |
| Operating Income Growth % | - | 4.25% | 1.27% | -0.39% | -3.41% | 1.74% | 0.02% | 0.2% | 0.28% |
| Pretax Income | -147.2M | 478.58M | 1.08B | 663.92M | -1.61B | 1.19B | 1.21B | 1.45B | 1.95B |
| Pretax Margin % | - | - | - | - | - | - | - | - | - |
| Income Tax | -27.02M | 138.25M | 209.92M | -93.1M | -299.88M | 368.74M | 396.07M | 261.13M | 405.7M |
| Effective Tax Rate % | - | - | - | - | - | - | - | - | - |
| Net Income | -119.57M | 340.28M | 883.11M | 774.28M | -1.31B | 825.41M | 812M | 1.19B | 1.54B |
| Net Margin % | - | - | - | - | - | - | - | - | - |
| Net Income Growth % | - | 3.85% | 1.6% | -0.12% | -2.69% | 1.63% | -0.02% | 0.46% | 0.3% |
| Net Income (Continuing) | -120.18M | 339.49M | 883.06M | 774.48M | -1.31B | 825.41M | 812M | 1.19B | 1.54B |
| EPS (Diluted) | -2.37 | 6.76 | 17.43 | 14.52 | -24.30 | 88.20 | 90.72 | 146.88 | 189.00 |
| EPS Growth % | - | 3.85% | 1.58% | -0.17% | -2.67% | 4.63% | 0.03% | 0.62% | 0.29% |
| EPS (Basic) | -2.37 | 6.76 | 17.46 | 14.82 | -24.30 | 90.36 | 92.52 | 148.32 | 191.88 |
| Diluted Shares Outstanding | 39.68M | 46.62M | 50.66M | 53.29M | 53.54M | 56.15M | 53.73M | 48.47M | 48.89M |
| Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 504.21M | 671.36M | 1.11B | 1.52B | 1.65B | 2.09B | 2.37B | 2.9B | 2.94B |
| Short Term Investments | 0 | 0 | 0 | 0 | 1000K | 1000K | 0 | 0 | 0 |
| Total Investments | 896.3M | 1.69B | 1.44B | 4.17B | 3.47B | 3.54B | 4.63B | 6.06B | 5.84B |
| Investments Growth % | - | 0.88% | -0.15% | 1.9% | -0.17% | 0.02% | 0.31% | 0.31% | -0.04% |
| Long-Term Investments | 896.3M | 1.69B | 1.44B | 4.17B | 3.46B | 3.46B | 4.63B | 6.06B | 5.84B |
| Accounts Receivables | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Goodwill & Intangibles | - | - | - | - | - | - | - | - | - |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 916.79K | 1.62M | 28.4M | 415.13M | 295.45M | 136.05M | 36.55M | 36.81M | 36.59M |
| PP&E (Net) | 6.49M | 21M | 23.21M | 20.14M | 11.14M | 6.19M | 5.86M | 8.64M | 15.83M |
| Other Assets | 23.93M | 16.37M | 240.16M | 627.71M | 915.04M | 445.16M | 482.95M | 820.13M | 727.23M |
| Total Current Assets | 714.04M | 1.86B | 2.56B | 2.58B | 2.21B | 3.02B | 3.59B | 4.59B | 5B |
| Total Non-Current Assets | 966.57M | 2.02B | 2.08B | 5.7B | 5.29B | 4.32B | 5.24B | 7.06B | 6.82B |
| Total Assets | 1.68B | 3.89B | 4.64B | 8.28B | 7.5B | 7.34B | 8.84B | 11.65B | 11.82B |
| Asset Growth % | - | 1.31% | 0.19% | 0.79% | -0.09% | -0.02% | 0.2% | 0.32% | 0.01% |
| Return on Assets (ROA) | -0.07% | 0.12% | 0.21% | 0.12% | -0.17% | 0.11% | 0.1% | 0.12% | 0.13% |
| Accounts Payable | 16.16M | 54.8M | 75.28M | 103.38M | 126.61M | 83.08M | 195.09M | 179.83M | 258.01M |
| Total Debt | 0 | 0 | 198M | 20.21M | 367.42M | 178.83M | 81.51M | 577.85M | 341.23M |
| Net Debt | -504.21M | -671.36M | -911.36M | -1.5B | -1.29B | -1.91B | -2.29B | -2.32B | -2.6B |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 198M | 0 | 350.55M | 166.5M | 70.21M | 565M | 328.5M |
| Other Liabilities | 1.04B | 1.85B | 521.34M | 3.54B | 3.8B | 3.01B | 3.68B | 4.74B | 3.86B |
| Total Current Liabilities | 259.88M | 276.68M | 550.13M | 349.81M | 603.63M | 343.91M | 367.64M | 899.22M | 742.6M |
| Total Non-Current Liabilities | 1.04B | 1.85B | 568.77M | 3.56B | 3.82B | 3.02B | 3.72B | 4.9B | 4.12B |
| Total Liabilities | 1.3B | 2.12B | 1.12B | 3.91B | 4.42B | 3.37B | 4.08B | 5.8B | 4.87B |
| Total Equity | 376.5M | 1.77B | 3.52B | 4.37B | 3.08B | 3.98B | 4.75B | 5.85B | 6.95B |
| Equity Growth % | - | 3.69% | 0.99% | 0.24% | -0.3% | 0.29% | 0.2% | 0.23% | 0.19% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - | - | - | - |
| Return on Equity (ROE) | -0.32% | 0.32% | 0.33% | 0.2% | -0.35% | 0.23% | 0.19% | 0.22% | 0.24% |
| Book Value per Share | 9.49 | 37.87 | 69.44 | 81.95 | 57.45 | 70.83 | 88.46 | 120.63 | 142.21 |
| Tangible BV per Share | - | - | - | - | - | - | - | - | - |
| Common Stock | 145.62K | 173.44K | 189.59K | 201.24K | 202.87K | 206.79K | 206.79K | 206.79K | 206.79K |
| Additional Paid-in Capital | 897.72M | 1.97B | 2.82B | 2.99B | 3.07B | 3.16B | 3.19B | 3.2B | 3.21B |
| Retained Earnings | -583.27M | -243M | 640.11M | 1.31B | -14.55M | 810.86M | 1.62B | 2.69B | 4.17B |
| Accumulated OCI | 57.91M | 33.45M | 52.49M | 67.1M | 21.06M | 6.31M | 63.6M | 69.48M | 81.05M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | -124.6M | -111.52M | -509.64M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 82.57M | -615.33M | 5.35M | 600.57M | -679.23M | 449.17M | 322.7M | 814.14M | 1.52B |
| Operating CF Growth % | - | -8.45% | 1.01% | 111.17% | -2.13% | 1.66% | -0.28% | 1.52% | 0.87% |
| Net Income | -119.57M | 340.28M | 883.11M | 774.48M | -1.31B | 825.41M | 812M | 1.19B | 1.54B |
| Depreciation & Amortization | 3.06M | 5.37M | 9.64M | 11.38M | 11.92M | 8.14M | 6.65M | 5.26M | 7.2M |
| Deferred Taxes | 0 | 185.14M | -3.16M | -164.91M | -142.55M | 333.42M | 195.59M | -17.57M | -27.25M |
| Other Non-Cash Items | -66.03M | -602.12M | 528.75M | 785.32M | 1.56B | 358.95M | 240M | 230.77M | 391.79M |
| Working Capital Changes | 227.21M | -618M | -1.58B | -962.81M | -883.25M | -1.17B | -985.06M | -633.72M | -428.44M |
| Cash from Investing | -734.72M | -10.81M | 412.87M | -3.08B | -3.7B | -2.35B | -913.39M | -1.11B | 122.03M |
| Purchase of Investments | -21.3M | -55M | -225M | 0 | -9.5M | -427.84M | -90.54M | -424.15M | -148.63M |
| Sale/Maturity of Investments | 0 | 1000K | 0 | 0 | 0 | 1000K | 1000K | 0 | 1000K |
| Net Investment Activity | - | - | - | - | - | - | - | - | - |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -709.99M | 48.34M | 676.5M | -3.06B | -3.69B | -1.99B | -823.65M | -673.72M | -106.19M |
| Cash from Financing | 775.16M | 830.15M | 181.79M | 2.71B | 4.49B | 1.3B | 576.35M | 1.23B | -1.94B |
| Dividends Paid | 0 | 0 | 0 | -103.2M | 0 | 0 | 0 | -58.4M | -116.64M |
| Share Repurchases | 0 | 0 | 0 | 0 | -68.94K | 0 | -146.74M | -24.87M | -182.2M |
| Stock Issued | 0 | 1B | 713.09M | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | - | - | - | - | - | - | - | - | - |
| Debt Issuance (Net) | 1000K | -1000K | 1000K | 1000K | 1000K | 1000K | -1000K | 1000K | -1000K |
| Other Financing | 15.16M | -106.65M | -698.2M | -191.96M | 4.14B | 1.28B | 819.38M | 815.94M | -1.4B |
| Net Change in Cash | 141.25M | 179.28M | 593.73M | 242.6M | 78.22M | -606.48M | 14.92M | 937.55M | -282.86M |
| Exchange Rate Effect | 1000K | -1000K | -1000K | 1000K | -1000K | -1000K | 1000K | 1000K | 1000K |
| Cash at Beginning | 363.45M | 504.7M | 683.98M | 1.28B | 1.52B | 1.6B | 992.04M | 1.01B | 1.94B |
| Cash at End | 504.7M | 683.98M | 1.28B | 1.52B | 1.6B | 992.04M | 1.01B | 1.94B | 1.66B |
| Interest Paid | 0 | 0 | 0 | 3.47M | 11.41M | 6.72M | 1.99M | 23.25M | 24.16M |
| Income Taxes Paid | 17.92K | 147.85K | 302.18M | 43.05M | 107.75M | 30.96M | 37.37M | 102.28M | 289.08M |
| Free Cash Flow | 79.14M | -635.97M | -33.28M | 205.42M | -684.6M | 446.55M | 316.65M | 805.67M | 1.51B |
| FCF Growth % | - | -9.04% | 0.95% | 7.17% | -4.33% | 1.65% | -0.29% | 1.54% | 0.87% |
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -31.76% | 31.77% | 33.43% | 19.64% | -35.16% | 23.41% | 18.6% | 22.39% | 24.06% |
| Return on Assets (ROA) | -7.11% | 12.22% | 20.72% | 11.99% | -16.59% | 11.12% | 10.04% | 11.59% | 13.12% |
| Net Interest Margin | 1.83% | 3.46% | 1.73% | 5.17% | 8.46% | 9.42% | 1.55% | -2.18% | -1.79% |
| Efficiency Ratio | -255.13% | 17.41% | 19.89% | 23.82% | -328.69% | 11.65% | 4.41% | 3.95% | 34.71% |
| Equity / Assets | 22.4% | 45.41% | 75.87% | 52.74% | 41.02% | 54.16% | 53.78% | 50.19% | 58.83% |
| Book Value / Share | 9.49 | 37.87 | 69.44 | 81.95 | 57.45 | 70.83 | 88.46 | 120.63 | 142.21 |
| NII Growth | - | 336.89% | -40.22% | 432.54% | 48.34% | 8.99% | -80.2% | -285.48% | 16.91% |
| Dividend Payout | - | - | - | 13.33% | - | - | - | 4.92% | 7.57% |
| 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|---|---|---|
| Xiaoying Credit Loan | 109.14M | 71.02M | 39.54M | - | - | 4.53B | 5.47B |
| Xiaoying Credit Loan Growth | - | -34.92% | -44.33% | - | - | - | 20.94% |
| Loan Facilitation Service | - | - | - | - | - | 2.74B | 3.1B |
| Loan Facilitation Service Growth | - | - | - | - | - | - | 13.18% |
| Financial Service | - | - | - | - | 966.28M | 1.14B | 1.37B |
| Financial Service Growth | - | - | - | - | - | 17.70% | 20.63% |
| Service, Other | - | - | - | - | - | - | 436.18M |
| Service, Other Growth | - | - | - | - | - | - | - |
| Other service | - | - | - | 60.83M | 158.85M | 283.03M | 397.95M |
| Other service Growth | - | - | - | - | 161.12% | 78.17% | 40.60% |
| Guarantees | - | - | - | - | - | 24.5M | 201.72M |
| Guarantees Growth | - | - | - | - | - | - | 723.44% |
| Service Other | - | - | - | - | 179.88M | 315.49M | - |
| Service Other Growth | - | - | - | - | - | 75.39% | - |
| Xiaoying Revolving Loan | - | 9.07M | 597.91K | - | - | 1.6M | - |
| Xiaoying Revolving Loan Growth | - | - | -93.41% | - | - | - | - |
| Xiaoying Credit Loans | - | - | - | 312.37M | 3.4B | - | - |
| Xiaoying Credit Loans Growth | - | - | - | - | 987.36% | - | - |
| Other loan products | - | - | - | 130.77K | 7.04M | - | - |
| Other loan products Growth | - | - | - | - | 5280.85% | - | - |
| Xiaoying Revolving Loans | - | - | - | 3.22M | 438K | - | - |
| Xiaoying Revolving Loans Growth | - | - | - | - | -86.38% | - | - |
| Other Services | 18.68M | 41.82M | 27.81M | - | - | - | - |
| Other Services Growth | - | 123.85% | -33.51% | - | - | - | - |
| Other Loan Products | 1.08M | 10.4K | 226.72K | - | - | - | - |
| Other Loan Products Growth | - | -99.04% | 2079.37% | - | - | - | - |
| Xiaoying Housing Loan | 9.19M | 264.64K | 172.96K | - | - | - | - |
| Xiaoying Housing Loan Growth | - | -97.12% | -34.64% | - | - | - | - |
| Internet Channel | 9.31M | 1.89M | 11 | - | - | - | - |
| Internet Channel Growth | - | -79.70% | -100.00% | - | - | - | - |
| Xiaoying Card Loan | 89.71M | - | - | - | - | - | - |
| Xiaoying Card Loan Growth | - | - | - | - | - | - | - |
| Xiaoying Preferred Loan | 19.43M | - | - | - | - | - | - |
| Xiaoying Preferred Loan Growth | - | - | - | - | - | - | - |
X Financial (XYF) has a price-to-earnings (P/E) ratio of 0.0x. This may indicate the stock is undervalued or faces growth challenges.
X Financial (XYF) grew revenue by 79.2% over the past year. This is strong growth.
Yes, X Financial (XYF) is profitable, generating $1.79B in net income for fiscal year 2024 (26.2% net margin).
Yes, X Financial (XYF) pays a dividend with a yield of 39.76%. This makes it attractive for income-focused investors.
X Financial (XYF) has a return on equity (ROE) of 24.1%. This is excellent, indicating efficient use of shareholder capital.
X Financial (XYF) has a net interest margin (NIM) of -1.8%. NIM has been under pressure due to interest rate environment.
X Financial (XYF) has an efficiency ratio of 34.7%. This is excellent, indicating strong cost control.