XNYSXYF
Market cap64mUSD
Dec 24, Last price
8.14USD
1D
0.12%
1Q
52.15%
IPO
-75.56%
Name
X Financial
Chart & Performance
P/E
2.37
P/S
1.49
EPS
25.03
Div Yield, %
15.13%
Shrs. gr., 5y
-0.88%
Rev. gr., 5y
-2.74%
Revenues
1.89b
+22.67%
Net income
1.19b
+46.16%
CFO
814m
+152.29%
Dividend
Sep 04, 20240.17 USD/sh
Profile
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.
Valuation
Title CNY in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY | FY |
|---|---|---|---|---|---|---|---|---|
| 2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | 2017‑12 | 2016‑12 | |
| Income | ||||||||
Revenues | 1,886,004 22.67% | 1,537,411 1.69% | 1,511,932 -2,558.43% | |||||
Cost of revenue | 3,298,036 | 2,472,289 | 2,247,713 | |||||
Unusual Expense (Income) | ||||||||
NOPBT | (1,412,032) | (934,878) | (735,781) | |||||
NOPBT Margin | ||||||||
Operating Taxes | 249,438 | 389,358 | 368,734 | |||||
Tax Rate | ||||||||
NOPAT | (1,661,470) | (1,324,236) | (1,104,515) | |||||
Net income | 1,186,794 46.16% | 811,996 -1.62% | 825,407 -163.41% | |||||
Dividends | (58,401) | |||||||
Dividend yield | 197.52% | |||||||
Proceeds from repurchase of equity | (24,873) | (146,741) | ||||||
BB yield | 84.12% | 542.56% | ||||||
| Debt | ||||||||
Debt current | 565,000 | 70,209 | 166,500 | |||||
Long-term debt | 25,705 | 22,609 | 24,662 | |||||
Deferred revenue | 27,557 | |||||||
Other long-term liabilities | 3,767,003 | 30,625 | (12,331) | |||||
Net debt | (1,706,256) | (2,968,385) | (2,619,732) | |||||
| Cash flow | ||||||||
Cash from operating activities | 814,137 | 322,702 | 449,171 | |||||
CAPEX | (8,468) | (6,055) | (2,620) | |||||
Cash from investing activities | (1,106,334) | (913,388) | (2,347,594) | |||||
Cash from financing activities | 1,227,458 | 576,351 | 1,301,312 | |||||
FCF | (10,970,677) | (1,571,841) | (1,249,694) | |||||
| Balance | ||||||||
Cash | 1,195,352 | 2,372,588 | 2,168,013 | |||||
Long term investments | 1,101,610 | 688,615 | 642,882 | |||||
Excess cash | 2,202,661 | 2,984,332 | 2,735,298 | |||||
Stockholders' equity | 2,761,702 | 1,686,657 | 817,373 | |||||
Invested Capital | 10,012,363 | 6,624,504 | 6,355,172 | |||||
ROIC | ||||||||
ROCE | ||||||||
| EV | ||||||||
Common stock shares outstanding | 48,472 | 53,734 | 56,147 | |||||
Price | 0.61 21.19% | 0.50 0.33% | 0.50 50.50% | |||||
Market cap | 29,568 9.32% | 27,046 -3.98% | 28,167 57.83% | |||||
EV | (1,676,688) | (2,941,339) | (2,591,565) | |||||
EBITDA | (1,406,772) | (928,232) | (727,645) | |||||
EV/EBITDA | 1.19 | 3.17 | 3.56 | |||||
Interest | 19,709,140 | 19,385,973 | ||||||
Interest/NOPBT | ||||||||