Stock XYF X FINANCIAL
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Financials X Financial

Equities

XYF

US98372W2026

Consumer Lending

Market Closed - Nyse
Other stock markets
 04:10:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
3.846 USD +1.48% Intraday chart for X Financial +1.75% +5.08%
Mar. 27 ADRs End Higher; Connect Biopharma Holdings Climbs 21% DJ
Mar. 27 Sector Update: Financial Stocks Rise Late Afternoon MT

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022
Capitalization 1 4,434 1,876 698.2 1,049 1,143
Enterprise Value (EV) 1 3,563 932.6 340.9 654.9 673
P/E ratio 5.04 x 2.43 x -0.53 x 1.3 x 1.38 x
Yield 2.34% - - - -
Capitalization / Revenue 1.25 x 0.61 x 0.32 x 0.29 x 0.32 x
EV / Revenue 1.01 x 0.3 x 0.16 x 0.18 x 0.19 x
EV / EBITDA 2.37 x 1.12 x -0.76 x 0.5 x 0.63 x
EV / FCF 3.63 x -0.33 x 0.97 x 0.45 x -0.75 x
FCF Yield 27.6% -306% 103% 224% -134%
Price to Book 1.27 x 0.43 x 0.23 x 0.26 x 0.21 x
Nbr of stocks (in thousands) 50,348 53,153 53,503 54,853 54,853
Reference price 2 88.07 35.30 13.05 19.12 20.83
Announcement Date 4/25/19 6/4/20 5/14/21 4/28/22 4/27/23
1CNY in Million2CNY
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net sales 1 1,787 3,541 3,088 2,193 3,626 3,563
EBITDA 1 689 1,501 830.9 -448.2 1,310 1,075
EBIT 1 684.3 1,492 820.3 -460.1 1,302 1,069
Operating Margin 38.29% 42.13% 26.56% -20.98% 35.89% 30%
Earnings before Tax (EBT) 1 477.7 1,093 681.4 -1,608 1,194 1,201
Net income 1 340.3 883.1 774.3 -1,309 825.4 812
Net margin 19.04% 24.94% 25.07% -59.67% 22.76% 22.79%
EPS 2 7.320 17.46 14.52 -24.44 14.70 15.12
Free Cash Flow 1 -465.7 982.4 -2,853 352 1,469 -902.5
FCF margin -26.06% 27.75% -92.4% 16.05% 40.5% -25.33%
FCF Conversion (EBITDA) - 65.46% - - 112.13% -
FCF Conversion (Net income) - 111.24% - - 177.92% -
Dividend per Share - 2.063 - - - -
Announcement Date 8/28/18 4/25/19 6/4/20 5/14/21 4/28/22 4/27/23
1CNY in Million2CNY
Estimates

Balance Sheet Analysis

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net Debt 1 - - - - - -
Net Cash position 1 671 871 943 357 394 470
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow 1 -466 982 -2,853 352 1,469 -902
ROE (net income / shareholders' equity) 31.7% 33.4% 19.6% -35.2% 23.4% 18.6%
ROA (Net income/ Total Assets) 15.4% 21.9% 7.94% -3.64% 11% 8.26%
Assets 1 2,215 4,038 9,754 35,901 7,530 9,834
Book Value Per Share 2 37.80 69.50 81.70 57.10 72.50 99.10
Cash Flow per Share 2 14.40 21.10 18.80 13.90 10.70 12.60
Capex 1 20.6 38.6 15.1 5.37 2.62 6.06
Capex / Sales 1.16% 1.09% 0.49% 0.24% 0.07% 0.17%
Announcement Date 8/28/18 4/25/19 6/4/20 5/14/21 4/28/22 4/27/23
1CNY in Million2CNY
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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Personal & Car Loans
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