X Financial - ADR Stock

$16.55

1.43% yesterday

NYSE, Jun 27, 10:10 pm CET

ISIN

US98372W2026

Symbol

XYF

Reports

Quarter | Annual

Index

NYSE Composite

Sector

Finances

Industry

Financing / Leasing

Overview Dividends Analysts Charts News Strategies

X Financial - ADR Stock price

$16.55

+13.91 527.42% 5Y

NYSE, Closing price Fri, Jun 27 2025

-0.24 1.43%

ISIN

US98372W2026

Symbol

XYF

Reports

Quarter | Annual

Index

NYSE Composite

Sector

Finances

Industry

Financing / Leasing

Key metrics

Basic

Market capitalization

$701.5m

Enterprise Value

$858.2m

Net debt

$156.7m

Cash

$193.7m

Shares outstanding

Valuation (TTM | estimate)

P/E

19.02 | -

P/S

0.76 | -

EV/Sales

0.93 | -

EV/FCF

P/B

Dividends

DPS

$0.34

Yield 1Y | 5Y

2.05% | 1.82%

Growth 1Y | 5Y

100.00% | 3.35%

Payout 1Y | 3Y

46.58% | 30.91%

Increased

2 Years

Financials (TTM | estimate)

Revenue

$920.4m | -

EBITDA

- | -

EBIT

$573.5m

Net Income

$227.9m | -

Free Cash Flow

Growth (TTM | estimate)

Revenue

31.57% | -

EBITDA

- | -

EBIT

63.80%

Net Income

29.17% | -

Free Cash Flow

Margin (TTM | estimate)

Gross

72.95%

EBITDA

- | -

EBIT

62.31%

Net

24.76% | -

Free Cash Flow

EPS

$0.87

FCF per Share

Short interest

1.82%

Employees

563.00

Rev per Employee

$1.45m

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X Financial - ADR Stock Analysis

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8 Analysts have issued a X Financial - ADR forecast:

3x Hold

38%

5x Sell

63%

More details on Analyst Estimates Including Price Targets

8 Analysts have issued a X Financial - ADR forecast:

Hold

38%

Sell

63%

Analyst Estimates with Stock Price Targets

Financial data from X Financial - ADR

Income Statement P&L | Balance Sheet | Cash Flow

Quarter TTM Annually

Mar '25		+/- %
Revenue	920 920	32% 32% 100%
- Direct Costs	249 249	8% 8% 27%
Gross Profit	671 671	56% 56% 73%
- Selling and Administrative Expenses	31 31	19% 19% 3%
- Research and Development Expense	- -	- -
EBITDA	- -	- -
- Depreciation and Amortization	- -	- -
EBIT (Operating Income) EBIT	573 573	64% 64% 62%
Net Profit	228 228	29% 29% 25%

In millions USD.

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X Financial - ADR Stock News

Positive

Seeking Alpha

●

21 days ago

X Financial: Stock Quadruples In 12 Months, Still An Asymmetric Bet

X Financial offers an asymmetric upside, with strong growth, stable asset quality, and a capital-light model. The Chinese government stimulus and a shift to consumption-led growth should further boost XYF's end market and revenue trajectory. XYF trades at a compelling 0.8x P/B with a 24% ROE, yielding an attractive 30%—far above peers and sector averages.

Neutral

Seeking Alpha

●

about one month ago

X Financial (XYF) Q1 2025 Earnings Call Transcript

X Financial (NYSE:XYF ) Q1 2025 Earnings Conference Call May 20, 2025 7:30 AM ET Company Participants Victoria Yu - IR Kent Li - President Noah Kauffman - Chief Financial Strategy Officer Frank Fuya Zheng - CFO Conference Call Participants Alex Ye - UBS Operator Hello, and welcome to the X Financial First Quarter 2025 Earnings Conference Call. All participants will be in a listen-only mode.

Neutral

PRNewsWire

●

about one month ago

X Financial Reports First Quarter 2025 Unaudited Financial Results

SHENZHEN, China , May 19, 2025 /PRNewswire/ -- X Financial (NYSE: XYF) ("X Financial", the "Company" or "we"), a leading Chinese fintech platform, today announced its unaudited financial results for the first quarter of fiscal year 2025 ended March 31, 2025. First Quarter 2025 Operational Highlights Total loan amount facilitated and originated [1] in the first quarter of 2025 was RMB35,149 mill...

More X Financial - ADR News

Company Profile

X Financial engages in the development and provision of technology platform for personal finance services. The company was founded by Yue Tang on January 5, 2015 and is headquartered in Shenzhen, China.

Head office	Cayman Islands
CEO	Yue Tang
Employees	563
Founded	2015
Website	www.xiaoyinggroup.com

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