XS Financial Inc. XSHLF

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Financial health

Altman Z-Score

0.04 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E -0.4×
FY 2014: -1.3×FY 2015: -0.3×FY 2016: 0.0×FY 2017: 0.0×FY 2018: -10.9×FY 2019: -1.1×FY 2020: -2.4×FY 2021: -5.3×FY 2022: -0.7×FY 2023: -0.4×
FY 2014 5y median -1.1× FY 2023
P/S 0.2×
FY 2014: 0.0×FY 2015: 0.0×FY 2016: 0.0×FY 2017: 0.0×FY 2018: 4.5×FY 2019: 3.5×FY 2020: 17.7×FY 2021: 5.0×FY 2022: 0.6×FY 2023: 0.2×
FY 2014 5y median 3.5× FY 2023
P/B 0.9×
FY 2014: 8.0×FY 2015: -4.5×FY 2016: -5.3×FY 2017: -10.4×FY 2018: -0.7×FY 2019: 8.5×FY 2020: 22.5×FY 2021: 1.7×FY 2022: 0.6×FY 2023: 0.9×
FY 2014 5y median 1.7× FY 2023
P/FCF 3.9×
FY 2014: -1.2×FY 2015: -0.3×FY 2016: -5.3×FY 2017: -8.2×FY 2018: -8.3×FY 2019: -2.3×FY 2020: -3.2×FY 2021: -0.5×FY 2022: -0.1×FY 2023: 3.9×
FY 2014 5y median -0.5× FY 2023
EV/EBITDA 39.8×
FY 2014: -0.6×FY 2015: -2.0×FY 2016: 0.0×FY 2017: -2.0×FY 2018: -1.0×FY 2019: -1.5×FY 2020: -3.1×FY 2021: -31.4×FY 2022: 50.9×FY 2023: 39.8×
FY 2014 5y median -1.5× FY 2023
EV/Sales 6.6×
FY 2014: 0.0×FY 2015: 0.0×FY 2016: 0.0×FY 2017: 0.0×FY 2018: 29.1×FY 2019: 3.5×FY 2020: 21.5×FY 2021: 10.9×FY 2022: 9.8×FY 2023: 6.6×
FY 2014 5y median 9.8× FY 2023
FCF Yield 25.9%
FY 2014: -83.9%FY 2015: -393.5%FY 2016: -18.8%FY 2017: -12.2%FY 2018: -12.0%FY 2019: -43.7%FY 2020: -31.1%FY 2021: -188.1%FY 2022: -1146.5%FY 2023: 25.9%
FY 2014 5y median -43.7% FY 2023

Profitability

Gross Margin 101.7%
FY 2014: 0.0%FY 2015: 0.0%FY 2016: 0.0%FY 2017: 0.0%FY 2018: -673.9%FY 2019: -14.3%FY 2020: 22.9%FY 2021: 48.3%FY 2022: 8.7%FY 2023: 101.7%
FY 2014 5y median 22.9% FY 2023
Operating Margin 50.1%
FY 2014: 0.0%FY 2015: 0.0%FY 2016: 0.0%FY 2017: 0.0%FY 2018: -3109.9%FY 2019: -200.2%FY 2020: -288.6%FY 2021: -29.4%FY 2022: 24.6%FY 2023: 50.1%
FY 2014 5y median -29.4% FY 2023
Net Margin -55.7%
FY 2014: 0.0%FY 2015: 0.0%FY 2016: 0.0%FY 2017: 0.0%FY 2018: -41.6%FY 2019: -303.4%FY 2020: -747.0%FY 2021: -95.3%FY 2022: -83.3%FY 2023: -55.7%
FY 2014 5y median -95.3% FY 2023
ROE -258.5%
FY 2014: -632.0%FY 2015: 1397.4%FY 2016: 0.0%FY 2017: 0.0%FY 2018: 6.8%FY 2019: -751.0%FY 2020: -946.2%FY 2021: -31.7%FY 2022: -83.3%FY 2023: -258.5%
FY 2014 5y median -258.5% FY 2023
ROIC 7.5%
FY 2014: -154.5%FY 2015: -390.6%FY 2016: 103.2%FY 2017: 1199.4%FY 2018: -979.5%FY 2019: -123.8%FY 2020: -53.9%FY 2021: -2.0%FY 2022: 2.4%FY 2023: 7.5%
FY 2014 5y median -2.0% FY 2023
ROA -7.8%
FY 2014: -136.2%FY 2015: -7178.7%FY 2016: 0.0%FY 2017: 0.0%FY 2018: -9.6%FY 2019: -155.3%FY 2020: -69.3%FY 2021: -5.7%FY 2022: -7.1%FY 2023: -7.8%
FY 2014 5y median -7.8% FY 2023

Growth (YoY)

Revenue 54.3%
FY 2014: 0.0%FY 2015: 0.0%FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 1042.9%FY 2020: -70.5%FY 2021: 363.0%FY 2022: 141.6%FY 2023: 54.3%
FY 2014 FY 2023
Operating Income 214.1%
FY 2014: 58.7%FY 2015: 81.8%FY 2016: 45.1%FY 2017: -1712.0%FY 2018: -395.0%FY 2019: 26.4%FY 2020: 57.4%FY 2021: 52.8%FY 2022: 302.0%FY 2023: 214.1%
FY 2014 FY 2023
EPS (diluted) -3.0%
FY 2014: 60.6%FY 2015: 36.8%FY 2016: 100.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: -1744.7%FY 2020: 49.9%FY 2021: 67.1%FY 2022: -93.9%FY 2023: -3.0%
FY 2014 FY 2023
Free Cash Flow 101.2%
FY 2014: 58.4%FY 2015: 27.5%FY 2016: 75.3%FY 2017: 42.4%FY 2018: -43.5%FY 2019: -3067.3%FY 2020: -7.8%FY 2021: -695.3%FY 2022: -70.9%FY 2023: 101.2%
FY 2014 FY 2023

Financial Health

Current Ratio 0.4×
FY 2014: 8.5×FY 2015: 0.2×FY 2016: 0.1×FY 2017: 0.5×FY 2018: 6.1×FY 2019: 2.1×FY 2020: 0.5×FY 2021: 3.6×FY 2022: 0.3×FY 2023: 0.4×
FY 2014 5y median 0.5× FY 2023
Quick Ratio 0.4×
FY 2014: 8.5×FY 2015: 0.2×FY 2016: 0.1×FY 2017: 0.4×FY 2018: 6.1×FY 2019: 2.1×FY 2020: 0.5×FY 2021: 3.6×FY 2022: 0.3×FY 2023: 0.4×
FY 2014 5y median 0.5× FY 2023
Debt / Equity 29.7×
FY 2014: 0.0×FY 2015: -2.2×FY 2016: -0.5×FY 2017: -26.5×FY 2018: -4.7×FY 2019: 2.8×FY 2020: 5.8×FY 2021: 3.8×FY 2022: 9.4×FY 2023: 29.7×
FY 2014 5y median 5.8× FY 2023
Net Debt / EBITDA 38.6×
FY 2014: 0.6×FY 2015: -0.6×FY 2016: 0.0×FY 2017: -1.4×FY 2018: -0.9×FY 2019: -0.0×FY 2020: -0.5×FY 2021: -16.9×FY 2022: 47.9×FY 2023: 38.6×
FY 2014 5y median -0.0× FY 2023
Interest Coverage 0.7×
FY 2014: 0.0×FY 2015: 0.0×FY 2016: 0.0×FY 2017: 0.0×FY 2018: -1112×FY 2019: -3.1×FY 2020: -6.0×FY 2021: -0.4×FY 2022: 0.2×FY 2023: 0.7×
FY 2014 5y median -0.4× FY 2023

Dividends

Dividend Yield 0.0%
FY 2014: 0.0%FY 2015: 0.0%FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%
FY 2014 5y median 0.0% FY 2023
Payout Ratio 0.0%
FY 2014: 0.0%FY 2015: 0.0%FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%
FY 2014 5y median 0.0% FY 2023

Annual · latest fiscal year ends 2023-12-31