Financial Services - Financial - Credit Services - NYSE - CN
$ 6.12
0.164 %
$ 303 M
Market Cap
1.65
P/E
X Financial provides personal finance services in the People's Republic of China. The company offers services as an online marketplace connecting borrowers and investors. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners, as well as Xiaoying revolving loan. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as loans, money market, and insurance products; and loan facilitation services to other platforms. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.[ Read More ]
The intrinsic value of one XYF stock under the base case scenario is HIDDEN Compared to the current market price of 6.12 USD, X Financial is HIDDEN
2. FUNDAMENTAL
ANALYSIS
Price Chart XYF
FINANCIALS
1.89 B
REVENUE
1.44 B
OPERATING INCOME
1.19 B
NET INCOME
814 M
OPERATING CASH FLOW
-1.11 B
INVESTING CASH FLOW
1.23 B
FINANCING CASH FLOW
676 M
REVENUE
-931 M
OPERATING INCOME
47.9 M
NET INCOME
0
OPERATING CASH FLOW
0
INVESTING CASH FLOW
0
FINANCING CASH FLOW
Balance Sheet Decomposition
X Financial
| Current Assets | 10.3 B |
| Cash & Short-Term Investments | 1.2 B |
| Receivables | 1.66 B |
| Other Current Assets | 7.46 B |
| Non-Current Assets | 1.34 B |
| Long-Term Investments | 1.1 B |
| PP&E | 59.3 M |
| Other Non-Current Assets | 177 M |
| Current Liabilities | 6.75 B |
| Accounts Payable | 180 M |
| Short-Term Debt | 565 M |
| Other Current Liabilities | 6.01 B |
| Non-Current Liabilities | 3.76 B |
| Long-Term Debt | 12.9 M |
| Other Non-Current Liabilities | 3.74 B |
EFFICIENCY
Earnings Waterfall
X Financial
| Revenue | 1.89 B |
| Cost Of Revenue | 3.1 B |
| Gross Profit | -1.21 B |
| Operating Expenses | 278 M |
| Operating Income | 1.44 B |
| Other Expenses | 251 M |
| Net Income | 1.19 B |
RATIOS
-64.31%
GROSS MARGIN
76.23%
OPERATING MARGIN
62.93%
NET MARGIN
20.30%
ROE
10.19%
ROA
18.53%
ROIC
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis
X Financial
| Net Income | 1.19 B |
| Depreciation & Amortization | 5.26 M |
| Capital Expenditures | -8.47 M |
| Stock-Based Compensation | 42.6 M |
| Change in Working Capital | -634 M |
| Others | 119 M |
| Free Cash Flow | 806 M |
Wall Street Analysts Price Targets
X Financial
XYF has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.00%
DIVIDEND YIELD
0.17 USD
DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership
X Financial
Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
| Date | Value | Insider | Amount | Avg Price |
|---|
7. News
X Financial (XYF) Q2 2024 Earnings Call Transcript
X Financial (NYSE:XYF ) Q2 2024 Earnings Conference Call August 22, 2024 7:00 AM ET Company Participants Victoria Yu - IR Kan Li - President Frank Fuya Zheng - CFO Conference Call Participants Mason Bourne - AWH Capital Operator Hello, and welcome to the X Financial Second Quarter 2024 Earnings Conference Call. [Operator Instructions] Please note today's event is being recorded.
seekingalpha.com
- 2 months ago
XYF Stock Earnings: X Financial Reported Results for Q2 2024
X Financial (NYSE: XYF ) just reported results for the second quarter of 2024. X Financial reported earnings per share of $1.03.
investorplace.com
- 2 months ago
X Financial Reports Second Quarter 2024 Unaudited Financial Results
SHENZHEN, China , Aug. 21, 2024 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company" or "we"), a leading online personal finance company in China, today announced its unaudited financial results for the second quarter ended June 30, 2024. Second Quarter 2024 Operational Highlights Three Months Ended June 30, 2023 Three Months Ended March 31, 2024 Three Months Ended June 30, 2024 QoQ YoY Total loan amount facilitated and originated (RMB in million) 25,874 21,505 22,749 5.8 % (12.1 %) Number of active borrowers 1,474,930 1,369,410 1,642,605 19.9 % 11.4 % The total loan amount facilitated and originated[1] in the second quarter of 2024 was RMB22,749 million, compared with RMB25,874 million in the same period of 2023.
prnewswire.com
- 2 months ago
X Financial to Report Second Quarter 2024 Financial Results on August 22, 2024
SHENZHEN, China , Aug. 13, 2024 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company"), a leading online personal finance company in China, today announced that it will release its unaudited financial results for the second quarter ended June 30, 2024, before the open of U.S. markets on Thursday, August 22, 2024. X Financial's management team will host an earnings conference call at 7:00 AM U.S. Eastern Time on Thursday, August 22, 2024 (7:00 PM Beijing / Hong Kong Time on the same day).
prnewswire.com
- 3 months ago
X Financial Announces Results of Tender Offer
SHENZHEN, China , July 15, 2024 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company" or "we"), a leading online personal finance company in China, announced today the results of its previously announced tender offer (the "Tender Offer") to purchase up to 2 million American Depositary Shares (the "ADSs") of the Company, each representing six Class A ordinary shares, par value $0.0001 per share, at a price of $4.52 per ADS, less any applicable withholding taxes, less a cancellation fee of $0.05 per ADS accepted for purchase in the Tender Offer that will be paid to The Bank of New York Mellon, the Company's ADS depositary (the "ADSs Depositary"), and without interest. The Tender Offer expired at 5:00 P.M.
prnewswire.com
- 4 months ago
X Financial Commences a Tender Offer to Repurchase approximately $9.04 Million of its ADSs
SHENZHEN, China , June 5, 2024 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company" or "we"), a leading online personal finance company in China, announced today that it has commenced a tender offer (the "Tender Offer") to purchase up to 2 million American Depositary Shares (the "ADSs") of the Company, each representing six Class A ordinary shares, par value $0.0001 per share, at a price of $4.52 per ADS (the "Purchase Price"), less any applicable withholding taxes, less a cancellation fee of $0.05 per ADS accepted for purchase in the Tender Offer that will be paid to The Bank of New York Mellon, the Company's ADS depositary (the "ADSs Depositary"), and without interest. The Tender Offer will expire at 5:00 P.M.
prnewswire.com
- 5 months ago
X Financial (XYF) Q1 2024 Earnings Call Transcript
X Financial (NYSE:XYF ) Q1 2024 Earnings Conference Call May 31, 2024 7:00 AM ET Company Participants Victoria Yu - IR Frank Fuya Zheng - CFO Conference Call Participants Mason Bourne - AWH Capital Operator Hello, and welcome to the X Financial First Quarter 2024 Earnings Conference Call. [Operator Instructions] Please note this event is being recorded.
seekingalpha.com
- 5 months ago
X Financial Reports First Quarter 2024 Unaudited Financial Results
SHENZHEN, China , May 30, 2024 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company" or "we"), a leading online personal finance company in China, today announced its unaudited financial results for the first quarter ended March 31, 2024. First Quarter 2024 Operational Highlights Three Months Ended March 31, 2023 Three Months Ended December 31, 2023 Three Months Ended March 31, 2024 QoQ YoY Total loan amount facilitated and originated (RMB in million) 24,088 26,134 21,505 (17.7 %) (10.7 %) Number of active borrowers 1,523,738 1,603,760 1,369,410 (14.6 %) (10.1 %) The total loan amount facilitated and originated[1] in the first quarter of 2024 was RMB21,505 million, compared with RMB24,088 million in the same period of 2023.
prnewswire.com
- 5 months ago
X Financial Reschedules the Release of First Quarter 2024 Financial Results to May 31, 2024
SHENZHEN, China , May 24, 2024 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company"), a leading online personal finance company in China, today announced that it has rescheduled the release of its unaudited financial results for the first quarter ended March 31, 2024 to Friday, May 31, 2024, before the open of U.S. markets. X Financial's management team will host an earnings conference call at 7:00 AM U.S. Eastern Time on Friday, May 31, 2024 (7:00 PM Beijing / Hong Kong Time on the same day).
prnewswire.com
- 5 months ago
X Financial to Report First Quarter 2024 Financial Results on May 29, 2024
SHENZHEN, China , May 23, 2024 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company"), a leading online personal finance company in China, today announced that it will release its unaudited financial results for the first quarter ended March 31, 2024, before the open of U.S. markets on Wednesday, May 29, 2024. X Financial's management team will host an earnings conference call at 7:00 AM U.S. Eastern Time on Wednesday, May 29, 2024 (7:00 PM Beijing / Hong Kong Time on the same day).
prnewswire.com
- 5 months ago
X Financial Files Annual Report on Form 20-F for Fiscal Year 2023
SHENZHEN, China , April 29, 2024 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company"), a leading online personal finance company in China, today announced it filed its annual report on Form 20-F for the fiscal year ended December 31, 2023 with the Securities and Exchange Commission ("SEC") on April 29, 2024. The annual report can be accessed on the Company's investor relations website at https://ir.xiaoyinggroup.com as well as the SEC's website at https://www.sec.gov.
prnewswire.com
- 6 months ago
X Financial (XYF) Q4 2023 Earnings Call Transcript
X Financial (XYF) Q4 2023 Earnings Call Transcript
seekingalpha.com
- 7 months ago
8. Profile Summary
X Financial XYF
COUNTRY
CN
INDUSTRY
Financial - Credit Services
MARKET CAP
$ 303 M
Dividend Yield
0.00%
Description
X Financial provides personal finance services in the People's Republic of China. The company offers services as an online marketplace connecting borrowers and investors. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners, as well as Xiaoying revolving loan. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as loans, money market, and insurance products; and loan facilitation services to other platforms. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.
Contact
Aerospace Science and Technology Plaza, Shenzhen, 518067
https://www.xiaoyinggroup.com
IPO Date
Sept. 19, 2018
Employees
521
Officers
Mr. Yufan Jiang
Chief Risk Officer
Mr. Ding Gao
Co-Founder
Mr. Kan Li
President & Director
Mr. Yue Tang
Founder, Chief Executive Officer & Chairman
Mr. Fuya Zheng
Chief Financial Officer
Ms. Jennifer Zhang
Investor Relations