X Financial (XYF)
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No price history available.
Key financial summary
Financials in CNY| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | CNY m | -62 | 1,512 | 2,323 | 3,277 | 5,872 | 7,431 | 5,568 | 3,746 |
| Operating profit | CNY m | 1,592 | 716 | ||||||
| Net profit | CNY m | -1,309 | 825 | 812 | 1,187 | 1,540 | 1,425 | 562 | 118 |
| EPS reported | CNY | 205.6 | 82.14 | ||||||
| Operating cashflow per share | CNY | 216.5 | 225.6 | ||||||
| Capex per share | CNY | 3.23 | 3.36 | ||||||
| FCF per share | CNY | 213.3 | 222.3 | ||||||
| Free cash flow | CNY m | 1,446 | 1,446 | ||||||
| Net debt | CNY m | 170 | -2,476 | ||||||
| Book value equity | CNY m | 7,837 | 7,758 | ||||||
| Book value per share | CNY | 1,131 | 1,227 | ||||||
| Number of shares | m | 6.93 | 6.32 | ||||||
| DPS (TTM paid) | CNY | 3.91 | 3.79 |
Financial summary
Financials in CNY| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 0.19 | 0.25 | ||||||
| P/B LTM | x | 0.03 | 0.03 | ||||||
| P/S LTM | x | 0.04 | 0.05 | ||||||
| P/FCF LTM | x | 0.18 | 0.18 | ||||||
| EV/EBITDA LTM | x | 0.26 | 0.30 | ||||||
| EV/Sales LTM | x | 0.06 | -0.46 | ||||||
| Earnings Yield LTM | % | +526.32% | +400.00% | ||||||
| FCF Yield | % | +544.74% | +544.74% | ||||||
| Quality | |||||||||
| ROE | % | +18.18% | +13.37% | ||||||
| ROIC | % | +14.55% | +7.08% | ||||||
| Operating margin | % | +21.43% | +17.33% | ||||||
| Gross margin | % | +73.55% | +69.04% | ||||||
| FCF/Sales | % | +19.45% | +21.10% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +8.76% | -56.54% | ||||||
| Sales Growth YoY | % | +26.56% | -5.17% | ||||||
| Net Income Growth YoY | % | -7.48% | -63.49% | ||||||
| FCF Growth | % | -4.21% | -4.21% | ||||||
| Operating Profit Growth | % | -15.03% | -61.79% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +58.32% | +10.67% | ||||||
| Dividend Growth | % | +30.42% | +26.43% | ||||||
| Payout Ratio | % | +10.86% | +15.35% | ||||||
| FCF/Debt | x | 1.24 | 3.65 | ||||||
| Net Debt/EBITDA | x | 0.11 | -1.66 | ||||||
| EBIT/Net interest | x | 0.00 | 0.93 | ||||||
| Net debt/market cap | % | +4.36% | +1.50% | ||||||
| Net debt/Equity | x | 0.02 | -0.32 | ||||||
| Gross debt/equity | x | 0.15 | 0.05 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Operating in the People's Republic of China, X Financial delivers personal financial solutions, primarily functioning as an online platform that connects individuals seeking funds with potential investors. The company's diverse lending portfolio encompasses the Xiaoying credit loan, which features the Xiaoying card loan component; the Xiaoying preferred loan, specifically tailored for small enterprise owners; and the Xiaoying revolving loan. Beyond these offerings, X Financial also provides the Xiaoying housing loan, a home equity product for property owners. Through its Xiaoying wealth management platform, clients can access various investment vehicles, including loans, money market instruments, and insurance products. Furthermore, the company extends loan facilitation support to other external platforms. X Financial was established in 2014 and maintains its corporate headquarters in Shenzhen, China.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Operating in the People's Republic of China, X Financial delivers personal financial solutions, primarily functioning as an online platform that connects individuals seeking funds with potential investors. The company's diverse lending portfolio encompasses the Xiaoying credit loan, which features the Xiaoying card loan component; the Xiaoying preferred loan, specifically tailored for small enterprise owners; and the Xiaoying revolving loan. Beyond these offerings, X Financial also provides the Xiaoying housing loan, a home equity product for property owners. Through its Xiaoying wealth management platform, clients can access various investment vehicles, including loans, money market instruments, and insurance products. Furthermore, the company extends loan facilitation support to other external platforms. X Financial was established in 2014 and maintains its corporate headquarters in Shenzhen, China.
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