X Financial XYF

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4.86 USD +0.02 (+0.41%)

At closeNov 3, 2026, 4:33 PM EST

4.86 0.00 0.00%

After hours · Nov 3, 4:33 PM ET

4.75 Day range 5.00
3.30 52-week range 12.57
YTD
-13.21%
1 year
-61.43%

Financial health

Altman Z-Score

1.91 Grey zone

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

Piotroski F-Score

6 / 9 Average

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

FMP rating

S-5 / 5 overall

  • DCF 5
  • Return on Equity 2
  • Return on Assets 5
  • Debt / Equity 4
  • P/E 5
  • P/B 5

Valuation

P/E 0.2×
FY 2016: -13.8×FY 2017: 5.0×FY 2018: 0.8×FY 2019: 0.4×FY 2020: -0.1×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.3×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
P/S 0.0×
FY 2016: -42.1×FY 2017: 1.8×FY 2018: 0.3×FY 2019: 0.2×FY 2020: -1.9×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.1× FY 2025
P/B 0.0×
FY 2016: 4.4×FY 2017: 1.0×FY 2018: 0.2×FY 2019: 0.1×FY 2020: 0.0×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
P/FCF 0.2×
FY 2016: 20.8×FY 2017: -2.8×FY 2018: -22.3×FY 2019: 1.5×FY 2020: -0.2×FY 2021: 0.4×FY 2022: 0.6×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
EV/EBITDA 0.3×
FY 2016: -7.9×FY 2017: 2.4×FY 2018: -0.2×FY 2019: -1.8×FY 2020: 0.7×FY 2021: -1.4×FY 2022: -1.7×FY 2023: -1.4×FY 2024: -0.6×FY 2025: 0.3×
FY 2016 5y median -1.4× FY 2025
EV/Sales 0.1×
FY 2016: -29.2×FY 2017: 1.1×FY 2018: -0.1×FY 2019: -0.9×FY 2020: 19.0×FY 2021: -1.1×FY 2022: -0.9×FY 2023: -0.6×FY 2024: -0.4×FY 2025: 0.1×
FY 2016 5y median -0.6× FY 2025
FCF Yield 544.7%
FY 2016: 4.8%FY 2017: -35.1%FY 2018: -4.5%FY 2019: 65.5%FY 2020: -587.9%FY 2021: 249.6%FY 2022: 169.8%FY 2023: 383.9%FY 2024: 304.7%FY 2025: 544.7%
FY 2016 5y median 304.7% FY 2025

Profitability

Gross Margin 73.6%
FY 2016: 120.7%FY 2017: 65.1%FY 2018: 69.9%FY 2019: 75.8%FY 2020: 2275.4%FY 2021: 90.4%FY 2022: 56.9%FY 2023: 48.8%FY 2024: 66.6%FY 2025: 73.6%
FY 2016 5y median 66.6% FY 2025
Operating Margin 21.4%
FY 2016: 375.8%FY 2017: 47.7%FY 2018: 50.0%FY 2019: 51.9%FY 2020: 2604.1%FY 2021: 78.8%FY 2022: 52.5%FY 2023: 44.8%FY 2024: 31.9%FY 2025: 21.4%
FY 2016 5y median 44.8% FY 2025
Net Margin 19.2%
FY 2016: 305.3%FY 2017: 33.9%FY 2018: 40.7%FY 2019: 60.6%FY 2020: 2127.6%FY 2021: 54.6%FY 2022: 35.0%FY 2023: 36.2%FY 2024: 26.2%FY 2025: 19.2%
FY 2016 5y median 35.0% FY 2025
ROE 18.2%
FY 2016: -32.1%FY 2017: 19.3%FY 2018: 25.1%FY 2019: 17.7%FY 2020: -42.6%FY 2021: 20.8%FY 2022: 17.1%FY 2023: 20.3%FY 2024: 22.1%FY 2025: 18.2%
FY 2016 5y median 20.3% FY 2025
ROIC 14.6%
FY 2016: -8.5%FY 2017: 9.4%FY 2018: 20.4%FY 2019: 8.4%FY 2020: -18.0%FY 2021: 11.5%FY 2022: 9.6%FY 2023: 10.6%FY 2024: 13.0%FY 2025: 14.6%
FY 2016 5y median 11.5% FY 2025
ROA 9.7%
FY 2016: -7.1%FY 2017: 8.8%FY 2018: 19.0%FY 2019: 9.4%FY 2020: -17.5%FY 2021: 11.2%FY 2022: 9.2%FY 2023: 10.2%FY 2024: 13.0%FY 2025: 9.7%
FY 2016 5y median 10.2% FY 2025

Growth (YoY)

Revenue 26.6%
FY 2016: 0.0%FY 2017: 2662.2%FY 2018: 116.3%FY 2019: -41.1%FY 2020: -104.8%FY 2021: 2558.4%FY 2022: 53.7%FY 2023: 41.1%FY 2024: 79.2%FY 2025: 26.6%
FY 2016 FY 2025
Operating Income -15.0%
FY 2016: 0.0%FY 2017: 425.1%FY 2018: 126.7%FY 2019: -38.8%FY 2020: -341.2%FY 2021: 174.4%FY 2022: 2.4%FY 2023: 20.4%FY 2024: 27.6%FY 2025: -15.0%
FY 2016 FY 2025
EPS (diluted) 8.8%
FY 2016: 0.0%FY 2017: 343.2%FY 2018: 138.5%FY 2019: -16.8%FY 2020: -268.3%FY 2021: 160.1%FY 2022: 2.9%FY 2023: 61.9%FY 2024: 28.7%FY 2025: 8.8%
FY 2016 FY 2025
Free Cash Flow -4.2%
FY 2016: 0.0%FY 2017: -903.6%FY 2018: 94.8%FY 2019: 717.3%FY 2020: -433.3%FY 2021: 165.2%FY 2022: -29.1%FY 2023: 154.4%FY 2024: 87.3%FY 2025: -4.2%
FY 2016 FY 2025

Financial Health

Current Ratio 2.1×
FY 2016: 2.7×FY 2017: 6.7×FY 2018: 4.7×FY 2019: 7.4×FY 2020: 3.7×FY 2021: 8.8×FY 2022: 9.8×FY 2023: 5.1×FY 2024: 6.7×FY 2025: 2.1×
FY 2016 5y median 6.7× FY 2025
Quick Ratio 2.1×
FY 2016: 2.7×FY 2017: 6.7×FY 2018: 4.7×FY 2019: 7.4×FY 2020: 3.7×FY 2021: 8.8×FY 2022: 9.8×FY 2023: 5.1×FY 2024: 6.7×FY 2025: 2.1×
FY 2016 5y median 6.7× FY 2025
Debt / Equity 0.1×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.1×FY 2019: 0.0×FY 2020: 0.1×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.1×FY 2024: 0.0×FY 2025: 0.1×
FY 2016 5y median 0.0× FY 2025
Net Debt / EBITDA 0.1×
FY 2016: 3.5×FY 2017: -1.4×FY 2018: -0.8×FY 2019: -2.2×FY 2020: 0.8×FY 2021: -1.6×FY 2022: -1.9×FY 2023: -1.6×FY 2024: -0.7×FY 2025: 0.1×
FY 2016 5y median -1.6× FY 2025
Interest Coverage 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: 1.5×FY 2023: 1.1×FY 2024: 1.2×FY 2025: 0.0×
FY 2016 5y median 1.1× FY 2025

Dividends

Dividend Yield 58.3%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 32.9%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 27.8%FY 2024: 23.5%FY 2025: 58.3%
FY 2016 5y median 23.5% FY 2025
Payout Ratio 10.9%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 13.3%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 4.9%FY 2024: 7.6%FY 2025: 10.9%
FY 2016 5y median 4.9% FY 2025

Annual · latest fiscal year ends 2025-12-31