XYF

X Financial Class A

Price

$5.21

return (12m)

-57.04%

p/e

1.40

p/bv

0.18

DIVIDEND YIELD

10.64%

XYF price

X Financial Class A

If you had invested

exposure

years ago

ago, you would now have *

ago, you would now have:

*This calculation reflects price variation only.

Return on Investment XYF

1 month

3 months

1 year

2 years

5 years

10 years

return

1 month

3.29%

3 months

8.17%

1 year

-57.04%

2 years

0.00%

5 years

0.00%

10 years

0.00%

Profitability Comparator

If you had invested

years ago

ago, you would now have:

Fundamentals XYF

Valuation

P/E

1.40

Sector -141.62

Industry 10.52

P/BV

0.18

Sector -8.04

Industry 1.09

P/Revenue (PSR)

0.21

Sector -11.97

Industry 2.31

EV/EBITDA

2.83

Sector -744,543,779.93

Industry -8,189,975,774.64

EV/EBIT

2.83

Sector -324,614,349,407.23

Industry -4,003,576,970,172.90

P/EBITDA

1.23

Sector -103.04

Industry -1.14

P/EBIT

1.23

Sector -118.87

Industry -81.95

P/Total Assets

0.10

Sector 0.14

Industry 0.11

P/Net Current Assets

0.29

Sector -8.78

Industry -0.25

P/Working Capital

0.26

Sector -

Industry -

EPS

3.75

Sector -10,922.24

Industry 2.63

BVPS

28.90

Sector -23,775.69

Industry 27.19

Efficiency

Gross Margin

70.05%

Sector -0.20%

Industry 9.03%

EBITDA Margin

11.81%

Sector -311.22%

Industry 1.31%

EBIT Margin

11.81%

Sector -360,241.94%

Industry 0.34%

Operating Margin

17.14%

Sector -6.37%

Industry 2.05%

Net Profit Margins

15.07%

Sector -1.72%

Industry 25.52%

Asset Turnover

0.09

Sector 0.01

Industry 0.01

Profitability

ROE

12.98%

Sector -1,336.38%

Industry 9.70%

ROA

7.41%

Sector -7.69%

Industry 1.00%

ROIC

3.15%

Sector -12.92%

Industry -4.62%

Dividends

Dividend yield

10.64%

Sector 0.25%

Industry 1.76%

Payout

14.90%

Sector 5.59%

Industry 22.78%

Debt

Current Ratio

2.08

Sector -

Industry -

Net Debt / EBITDA

-7.35

Sector -509,057,682.76

Industry -3,849,748,391.17

Net Debt / EBIT

-7.35

Sector -418,212,041,342.93

Industry -3,162,728,562,047.78

Net Debt / Equity

-0.13

Sector -0.80

Industry -0.09

Gross Debt / Equity

0.00

Sector -0.22

Industry 0.02

Equity/Assets

0.57

Sector -0.01

Industry 0.10

Liabilities/Assets

0.43

Sector 0.37

Industry 0.89

Growth

5Y Revenue CAGR

11.52%

Sector -

Industry -

5Y Earnings CAGR

2.70%

Sector -

Industry -

Fundamentals XYF

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FAIR VALUE OF X Financial Class A ACCORDING TO BENJAMIN GRAHAM

Graham's Fair Value

The Fair Value formula was created by Benjamin Graham to identify stocks with appreciation potential or that are being traded for less than they are worth. Graham was one of the greatest investors in history and Warren Buffett’s mentor.

Current price

$5.21

Fair Value

$49.38

Upside Return potential.

847.80%

See Graham's ranking

Because it considers equity value in its calculation, this formula may not work well for technology companies.

This is not a buy/sell recommendation; the fair value calculation takes into account only the formula created by Benjamin Graham, published in the book The Intelligent Investor.

Assets	Price (US$)	Return 12m	DY	P/E	P/BV	ROE	Net Profit Margins
XYF X Financial Class A	$5.21	-57.04%	10.64%	1.40	0.18	12.98%	15.07%
MA Mastercard Incorporated	$565.79	-2.51%	0.58%	31.56	91.52	289.99%	46.34%
AXP American Express Company	$320.92	0.01%	1.08%	19.54	6.49	33.19%	14.69%
PAGS Pagbank - Pagseguro Digital LTD	$10.04	10.43%	5.12%	6.65	0.92	13.88%	10.46%
PYPL Paypal Holdings INC	$53.29	-20.60%	0.77%	9.81	2.43	24.73%	14.36%
SYF Synchrony Financial	$75.65	1.12%	1.54%	7.60	1.58	20.82%	18.28%
COF Capital One Financial Corp.	$207.12	-5.46%	1.45%	13.25	1.20	9.09%	13.16%
IX ORIX Corp.	$39.04	51.96%	1.98%	9.32	1.46	15.70%	21.35%
FIS Fidelity National Information Services Inc.	$38.59	-42.04%	4.01%	6.40	1.35	21.05%	27.67%
QFIN 360 DigiTech Inc.	$8.55	-67.13%	16.96%	1.55	0.31	20.23%	33.54%
JSM Navient Corporation	$17.85	1.04%	8.32%	32.91	0.71	2.16%	1.37%
FCFS FirstCash Inc.	$227.49	56.68%	0.74%	25.49	4.26	16.72%	9.42%
EEFT Euronet Worldwide Inc.	$71.25	-21.99%	0.00%	9.60	2.25	23.43%	6.67%
OPRT Oportun Financial Corporation	$7.79	16.97%	0.00%	19.31	0.92	4.79%	4.92%
EZPW EZCORP Inc.	$32.71	91.85%	0.00%	12.92	1.76	13.62%	10.04%
IMXI International Money Express Inc.	$14.17	-2.28%	0.00%	23.33	2.56	10.98%	3.35%

Stock vs Indice Comparison Tool

If you had invested

years ago

ago, you would now have *

ago, you would now have:

*This calculation reflects price variation only.

XYF Historical Dividends

current DY: 10.64%

5-year average DY: 2.05%

DRAG THE FRAME TO SEE MORE DATA

type	Ex - Dividend Date	payment date	value
Dividends	09/09/2026	09/28/2026	0.28000000
Dividends	04/29/2026	05/20/2026	0.28000000
Dividends	09/25/2025	10/15/2025	0.28000000
Dividends	06/19/2025	07/02/2025	0.25000000
Dividends	09/03/2024	09/27/2024	0.17000000
Dividends	05/08/2024	05/31/2024	0.17000000
Dividends	09/15/2023	10/18/2023	0.17000000
Dividends	04/03/2019	04/26/2019	0.30000000

ABOUT X Financial Class A

X Financial Class A

Average Investor10 user rating

4.0 (1 people)

China

12 years

Founded: 2014

2018

Time since IPO - 8 years

643

Employees

X Financial Class A (China) is listed on the NYSE and has a market capitalization of $205.23 million, with shareholders equity totaling $1.13 billion.

The company employs approximately 643 people and operates in the Financial sector, within the Consumer Financial Services industry.

Over the past 12 months, X Financial Class A reported $970.91 million in revenue, generating net income of $146.30 million.

Key financial metrics include a P/E ratio of 1.40, a price-to-book (P/B) ratio of 0.18, and a trailing twelve-month dividend yield of 10.64%.

The company trades under the ticker XYF.

Market cap

$205.23 million

Net worth

$1.13 billion

$1,127,170,000.00

Assets

$1.97 billion

$1,974,210,000.00

Total Shares Outstanding

39.00 million

39,000,000

Average Daily Trading Volume

$54.16 Thousand

$54,158.52

Sector

Financial

Industry

Consumer Financial Services

XYF

XYF revenue and profits

Financial Results XYF

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XYF cash flow

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