X Financial Fundamental Analysis (NYSE: XYF)
X Financial (NYSE: XYF) shows moderate financial fundamentals with a PE ratio of 0.44, profit margin of 10.10%, and ROE of 7.19%. The company generates $5.9B in annual revenue with strong year-over-year growth of 26.56%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 79.3/100 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
WeakXYF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentXYF trades at attractive valuation levels.
Growth Score
ModerateXYF shows steady but slowing expansion.
Financial Health Score
ExcellentXYF maintains a strong and stable balance sheet.
Profitability Score
WeakXYF struggles to sustain strong margins.
Key Financial Metrics
Is XYF Expensive or Cheap?
P/E Ratio
XYF trades at 0.44 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 1.81 times EBITDA. This is generally considered low.
How Well Does XYF Make Money?
Net Profit Margin
For every $100 in sales, X Financial keeps $10.10 as profit after all expenses.
Operating Margin
Core operations generate 12.86 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $7.19 in profit for every $100 of shareholder equity.
ROA
X Financial generates $4.64 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
X Financial generates strong operating cash flow of $1.56B, reflecting robust business health.
Free Cash Flow
X Financial generates strong free cash flow of $1.54B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $231.04 in free cash annually.
FCF Yield
XYF converts 5.83% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
0.44
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.00
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
0.05
vs 25 benchmark
Current Ratio
Current assets to current liabilities
10.65
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.07
vs 25 benchmark
ROA
Return on assets percentage
0.05
vs 25 benchmark
ROCE
Return on capital employed
0.06
vs 25 benchmark
How XYF Stacks Against Its Sector Peers
| Metric | XYF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 0.44 | 20.95 | Better (Cheaper) |
| ROE | 7.19% | 659.00% | Weak |
| Net Margin | 10.10% | -1611.00% (disorted) | Strong |
| Debt/Equity | 0.05 | 0.91 | Strong (Low Leverage) |
| Current Ratio | 10.65 | 925.09 | Strong Liquidity |
| ROA | 4.64% | -586.00% (disorted) | Weak |
XYF outperforms its industry in 4 out of 6 key metrics, particularly excelling in Net Margin, 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
16009.44%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
243.35%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
384.48%
Industry Style: Value, Dividend, Cyclical
High Growth