Stocktoria
X Financial XYF
NYSE · XNYS · stock · Finance Services · website · IPO 2018-09-19
Chart by TradingView
5/9
Piotroski F — financial health
—
Altman Z″ — distress risk
10.6%
Dividend payout · safe
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Revenue | $1.1B | $804.4M | $678.2M | $516.6M | $569.1M |
| Operating income | $233.1M | $256.7M | $202.5M | $156.9M | $205.7M |
| Net income | $209.4M | $211.0M | $167.2M | $117.7M | $129.5M |
| Operating cash flow | $209.9M | $208.7M | $114.7M | $46.8M | $70.5M |
| Free cash flow | $206.7M | $206.8M | $113.5M | $45.9M | $70.1M |
| Total assets | $2.1B | $1.6B | $1.6B | $1.3B | $1.2B |
| Total liabilities | $976.5M | $666.7M | $817.3M | $592.2M | $528.2M |
| Shareholders' equity | $1.1B | $994.3M | $823.6M | $669.5M | $576.6M |
| Ratios | |||||
| Operating margin | 21.3% | 31.9% | 29.9% | 30.4% | 36.2% |
| Net margin | 19.2% | 26.2% | 24.6% | 22.8% | 22.8% |
| FCF margin | 18.9% | 25.7% | 16.7% | 8.9% | 12.3% |
| Return on assets | 10.0% | 13.0% | 10.2% | 9.2% | 11.2% |
| Return on equity | 18.7% | 21.2% | 20.3% | 17.6% | 22.5% |
| Revenue growth | 35.8% | 18.6% | 31.3% | -9.2% | 69.3% |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| RENAISSANCE TECHNOLOGIES LLC | 85,041 | $350,369 |
Why these scores methodology →
Piotroski F-score: 5/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001725033 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.