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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| XYF | +102.06% | +496.34% | +42.87% | -58% |
| S&P | +16.9% | +95.99% | +14.39% | +134% |
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.
| Q2 2025 | YOY Change | |
|---|---|---|
| Revenue | $314.27M | 65.8% |
| Gross Profit | $243.21M | 84.0% |
| Gross Margin | 77.39% | 7.6% |
| Market Cap | $445.46M | 211.6% |
| Market Cap / Employee | $0.79M | 0.0% |
| Employees | 563 | 8.1% |
| Net Income | $73.00M | 27.3% |
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| Q2 2025 | YOY Change | |
|---|---|---|
| Net Cash | $569.78M | 9.2% |
| Inventory | 0 | 0.0% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $0.00M | 0.0% |
| Short Term Debt | $56.03M | -14.2% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 13.60% | 1.8% |
| Return On Invested Capital | 8.10% | 0.9% |
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 1.75 | 1.91 | 3.01 | 3.29 | 180.25% |
| Price to Book | 0.36 | 0.42 | 0.72 | 0.71 | 335.11% |
| Price to Sales | 0.43 | 0.49 | 0.68 | 0.74 | 145.01% |
| Price to Tangible Book Value | 0.24 | 0.28 | 0.49 | 0.44 | 165.41% |
| Return on Equity | 21.1% | 24.1% | 24.0% | 24.3% | 10.54% |
| Total Debt | $61.79M | $50.52M | $83.22M | $56.03M | -14.20% |
XYF earnings call for the period ending September 30, 2019.
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