X Financial (XYF)

5.54USD +2.59% (+0.14)

Over 6M: +17.7%

Style
Area Line Line with markers Steps Candles Hollow candles Bars

Candles and bars need the day’s open, high and low, and need room to be drawn in: past about a year of trading a body is thinner than a hairline, so those three offer the longest window that fits instead.

4 5
Mar Apr May Jun Jul Aug

Financials Annual

Figures
Revenue Gross Profit Operating Income Cost of Revenue Operating Cash Flow Free Cash Flow Net Income

A share count and earnings a share are not here: neither is money, so neither can share this axis. Both have their own panel on All charts.

All charts ›
FY23 — Operating Income: 202.5M FY23 — Net Income: 167.2M FY24 — Operating Income: 256.7M FY24 — Net Income: 211M FY25 — Operating Income: 233.1M FY25 — Net Income: 209.4M 0 60M 120M 180M 240M 300M
FY23 FY24 FY25
Operating Income Net Income

How it scores

For a valuation multiple, the low end is the good end.

Quality

How much of the revenue is really kept — and what did it take to earn it?

5.6
SBC / sales 0.8%
OE margin 18.1%
Adj. EBITDA margin 22.3%
Oper. margin 21.3%
ROIC 18.8%
Accruals -0.02%
Capex / sales 0.29%
Gross margin 73.6%
Profit margin 19.2%
ROA 10.0%
EBITDA margin 21.5%
FCF margin 18.9%
OCF margin 19.2%
ROE 18.7%
Asset turnover 0.52×
OCF / EBIT 0.9×
ROCE —

5 of 17 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Valuation

What does the price ask for what the company earns, owns and pays out?

10.0
EV/EBIT 5.0×
EV/OE 5.9×
FCF yield 15.7%
P/E 6.3×
Shareholder yield 9.7%
EV/Sales 1.1×
P/B 1.2×
Div. yield 1.7%
P/C 9.3×
EV/GP —
Fwd P/E —
PEG —

2 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Durability

How predictable is the revenue, and how much of it is already committed?

1.9
Revenue growth in the worst year on record -9.2%
RPO / sales 0.037×
Cash-flow margin stability 18.5 pp
Gross margin stability across years 22.6 pp
RPO growth -29.8%
Prepaid revenue growth —
Segment HHI —

4 of 7 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Resilience

Can the balance sheet absorb a bad year?

10.0
Interest cover 56.1×
ND/EBITDA 0.12
Debt / Eq 0.0×
Debt payback 0.0 yr
F-score 7.7 pts
Net debt / Eq 0.0×
Payout 10.6%
Equity / Assets 53.4%
Cash / Debt —
Cash runway —
Current ratio —
Quick ratio —

2 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Growth

Is the business getting bigger, and is it getting more profitable?

3.8
Sales/sh Y/Y +59.7%
Sales CAGR 4Y +17.7%
Most recent margin move -2.2
Operating margin trend -3.7
Div. growth +38.5%
EPS CAGR 4Y +21.9%
Shares change -15.0%
EBIT CAGR +3.2%
EPS Y/Y +16.7%
EBIT Y/Y -9.2%
EPS next Y —
Gross profit Y/Y —
Sales Q/Q —

4 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

A measure absent from a block could not be computed from this company's filings. It is left out rather than scored as though it were bad, and the dimension is averaged over what remains. A score is measured against a fixed scale this model states; the bar is measured against the other companies, so the two can disagree — and where they do, that disagreement is the more interesting figure.