XS Financial Inc. Fundamental Analysis
XS Financial Inc. (XSHLF) shows weak financial fundamentals with a PE ratio of -0.55, profit margin of -55.73%, and ROE of -1.29%. The company generates $0.0B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -211.4/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze XSHLF's fundamental strength across five key dimensions:
Efficiency Score
WeakXSHLF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentXSHLF trades at attractive valuation levels.
Growth Score
WeakXSHLF faces weak or negative growth trends.
Financial Health Score
WeakXSHLF carries high financial risk with limited liquidity.
Profitability Score
WeakXSHLF struggles to sustain strong margins.
Key Financial Metrics
Is XSHLF Expensive or Cheap?
P/E Ratio
XSHLF trades at -0.55 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, XSHLF's PEG of -0.04 indicates potential undervaluation.
Price to Book
The market values XS Financial Inc. at 1.43 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -37.22 times EBITDA. This is generally considered low.
How Well Does XSHLF Make Money?
Net Profit Margin
For every $100 in sales, XS Financial Inc. keeps $-55.73 as profit after all expenses.
Operating Margin
Core operations generate 50.06 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $-1.29 in profit for every $100 of shareholder equity.
ROA
XS Financial Inc. generates $-7.78 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
XS Financial Inc. generates limited operating cash flow of $462.40K, signaling weaker underlying cash strength.
Free Cash Flow
XS Financial Inc. produces free cash flow of $462.40K, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $0.01 in free cash annually.
FCF Yield
XSHLF converts 22.99% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
-0.55
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.04
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.43
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.23
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
29.74
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.35
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
-1.29
vs 25 benchmark
ROA
Return on assets percentage
-0.08
vs 25 benchmark
ROCE
Return on capital employed
1.70
vs 25 benchmark
How XSHLF Stacks Against Its Sector Peers
| Metric | XSHLF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | -0.55 | 19.47 | Better (Cheaper) |
| ROE | -129.07% | 804.00% | Weak |
| Net Margin | -55.73% | -7829.00% (disorted) | Weak |
| Debt/Equity | 29.74 | 1.08 | Weak (High Leverage) |
| Current Ratio | 0.35 | 610.28 | Weak Liquidity |
| ROA | -7.78% | -20991.00% (disorted) | Weak |
XSHLF outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews XS Financial Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical