Stocktoria

X Financial XYF

NYSE · stock · Finance Services · website · IPO 2018-09-19

X Financial statistics & valuation

Profitability & efficiency

Net margin (%)
19.00% 24.90% 25.10% -59.70% 22.80% 22.80% 24.60% 26.20% 19.20% 201720182019202020212022202320242025
Gross margin (%)
201720182019202020212022202320242025
Operating margin (%)
28.10% 36.00% 26.30% -65.20% 36.20% 30.40% 29.90% 31.90% 21.30% 201720182019202020212022202320242025
Return on equity (%)
19.30% 25.10% 16.60% -41.50% 20.80% 17.10% 20.30% 21.20% 18.70% 201720182019202020212022202320242025
Shares outstanding
280.1M 304.0M 320.7M 323.1M 336.9M 322.4M 293.6M 293.4M 249.5M 201720182019202020212022202320242025
Net debt ($)
201720182019202020212022202320242025
Share buybacks ($)
201720182019202020212022202320242025
Return on assets (%)
8.80% 19.00% 9.40% -17.50% 11.20% 9.20% 10.20% 13.00% 10.00% 201720182019202020212022202320242025
Free cash flow margin (%)
-35.60% -0.90% 19.00% -31.20% 12.30% 8.90% 16.70% 25.70% 18.90% 201720182019202020212022202320242025
Debt / equity (×)
201720182019202020212022202320242025
EPS ($)
$1.22 $0.42 $0.35 -$0.62 $0.38 $0.37 $0.57 $0.72 $0.84 201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

X Financial trades at about 6.2× earnings — below its 10-year norm (10-year range 6.1×–40.4×, median 10.3×).

6.1× 40.4×

Shaded band = 10-year range (6.1×–40.4×); dot = today's 6.2×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017
Operating margin21.3%31.9%29.9%30.4%36.2%-65.2%26.3%36.0%28.1%
Net margin19.2%26.2%24.6%22.8%22.8%-59.7%25.1%24.9%19.0%
FCF margin18.9%25.7%16.7%8.9%12.3%-31.2%19.0%-0.9%-35.6%
Return on assets10.0%13.0%10.2%9.2%11.2%-17.5%9.4%19.0%8.8%
Return on equity18.7%21.2%20.3%17.1%20.8%-41.5%16.6%25.1%19.3%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.