X Financial
X Financial Fundamental Analysis
X Financial (XYF) shows strong financial fundamentals with a PE ratio of 0.13, profit margin of 28.00%, and ROE of 23.88%. The company generates $6.5B in annual revenue with strong year-over-year growth of 21.95%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 84.3/100 based on profitability, valuation, growth, and balance sheet metrics. The B+ grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze XYF's fundamental strength across five key dimensions:
Efficiency Score
ExcellentXYF demonstrates superior asset utilization.
Valuation Score
ExcellentXYF trades at attractive valuation levels.
Growth Score
ExcellentXYF delivers strong and consistent growth momentum.
Financial Health Score
ExcellentXYF maintains a strong and stable balance sheet.
Profitability Score
ModerateXYF maintains healthy but balanced margins.
Key Financial Metrics
Is XYF Expensive or Cheap?
P/E Ratio
XYF trades at 0.13 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, XYF's PEG of 0.00 indicates potential undervaluation.
Price to Book
The market values X Financial at 0.03 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 0.19 times EBITDA. This is generally considered low.
How Well Does XYF Make Money?
Net Profit Margin
For every $100 in sales, X Financial keeps $28.00 as profit after all expenses.
Operating Margin
Core operations generate 32.40 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $23.88 in profit for every $100 of shareholder equity.
ROA
X Financial generates $12.21 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
X Financial generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
X Financial generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
XYF converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
0.13
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.003
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.03
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.04
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.07
vs 25 benchmark
Current Ratio
Current assets to current liabilities
4.51
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.24
vs 25 benchmark
ROA
Return on assets percentage
0.12
vs 25 benchmark
ROCE
Return on capital employed
0.17
vs 25 benchmark
How XYF Stacks Against Its Sector Peers
| Metric | XYF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 0.13 | 18.86 | Better (Cheaper) |
| ROE | 23.88% | 847.00% | Weak |
| Net Margin | 28.00% | 4202.00% | Weak |
| Debt/Equity | 0.07 | 0.91 | Strong (Low Leverage) |
| Current Ratio | 4.51 | 667.17 | Strong Liquidity |
| ROA | 12.21% | -21543.00% (disorted) | Strong |
XYF outperforms its industry in 4 out of 6 key metrics, particularly excelling in ROA, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews X Financial's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
398.92%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
116.05%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
175.55%
Industry Style: Value, Dividend, Cyclical
High Growth