X Financial XYF

Latest FY: 2025 Financial Services Credit Services
Market Price $5.22
Market Cap $119.12M
P/E Ratio 6.21
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑30.1% YoY
$7.64B
3-Yr CAGR: 145.5%
Net Income ↓-0.7% YoY
$209.43M
Net Margin: 2.7%
Free Cash Flow ↓-0.0% YoY
$206.73M
FCF Yield: 173.55%
EPS (Diluted) ↑16.7% YoY
$0.84
Basic: $0.86
Return on Equity Efficiency
18.7%
ROA: 1.4%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (XYF)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $114.4M $-119.6M $-0.50 $82.6M $80.9M
FY 2017 $1,786.9M $1,026.8M $340.3M +384.6% $1.22 +344.0% $-615.3M $-636.0M -886.0%
FY 2018 $515.0M -71.2% $342.5M $128.4M -62.3% $0.42 -65.6% 0.00% $0.8M $-4.8M +99.2%
FY 2019 $443.6M -13.9% $208.7M $111.2M -13.4% $0.35 -16.7% 0.00% $86.3M $84.1M +1,837.3%
FY 2020 $336.1M -24.2% $18.6M $-200.5M -280.3% $-0.62 -277.1% 0.00% $-104.1M $-104.9M -224.8%
FY 2021 $569.1M +69.3% $261.0M $129.5M +164.6% $0.38 +161.3% 0.00% $70.5M $70.1M +166.8%
FY 2022 $516.6M -9.2% $181.8M $117.7M -9.1% $0.37 -2.6% 0.00% $46.8M $45.9M -34.5%
FY 2023 $4,814.9M +832.1% $3,240.2M $167.2M +42.0% $0.57 +54.1% 0.00% $114.7M $113.5M +147.2%
FY 2024 $5,871.8M +22.0% $4,110.8M $211.0M +26.2% $0.72 +26.3% 0.00% $208.7M $206.8M +82.2%
FY 2025 $7,639.4M +30.1% $5,600.0M $209.4M -0.7% $0.84 +16.7% 0.00% $209.9M $206.7M -0.0%
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Valuation

Market Price $5.22
Market Cap $119.12M
Enterprise Value $300.18M
P/E Ratio 6.21
P/B Ratio 0.11
FCF Yield 173.55%
Dividend Yield 0.00%
Shares Outstanding 22,819,600
%

Profitability & Margins

Gross Margin 73.30%
Operating Margin 3.05%
Net Margin 2.74%
Return on Equity (ROE) 18.69%
Return on Assets (ROA) 1.43%
Asset Turnover 0.52x
Revenue 3-Yr CAGR 145.46%
🛡️

Financial Health & Liquidity

Current Ratio 0.01
Cash Ratio 0.95
Debt / Equity 1.043
Debt / Assets 0.080
Cash & Equivalents $987.63M
Total Debt $1.17B
Book Value / Share $49.11
💧

Cash Flow Efficiency

Operating Cash Flow $209.86M
Capital Expenditures (CapEx) $3.13M
Free Cash Flow $206.73M
OCF / Revenue 2.75%
FCF / Revenue 2.71%
FCF 3-Yr CAGR 65.13%
🏷️

Per Share Metrics

EPS (Diluted) $0.84
EPS (Basic) $0.86
Dividends / Share N/A
Book Value / Share $49.11
EPS YoY Growth 16.67%
🏛️

Balance Sheet (FY 2025)

Total Assets $14.67B
Total Liabilities $13.55B
Stockholders' Equity $1.12B
Current Assets $6.23M
Current Liabilities $1.04B