_id
6918455b3c536f8df231776f
Ticker
XYF
Name
X Financial Class A
Exchange
NYSE
Address
Aerospace Science and Technology Plaza, Shenzhen, China, 518067
Country
USA
Sector
Financial Services
Industry
Credit Services
Currency
USD
Website
https://ir.xiaoyinggroup.com
Description
X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. The company offers Xiaoying credit loans, which are online personal credit loan products comprising Xiaoying card loans and other unsecured loan products; and Xiaoying housing loans, a secured home equity loan product. It also provides guarantee, consulting, e-commerce, and microcredit services. In addition, the company engages in the technology development and service, as well as the sale of products. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.
Last Close
6.91
Volume
167991
Current Price
7.12
Change
3.039073806078147
Last Updated
2025-12-05T14:09:03.261Z
Image
-
Ipo Date
2018-09-18T00:00:00.000Z
Market Cap
299675776
Next Dividend Date
-
Dividend Frequency
-
Dividend Rate
-
Dividend Yield
0
Sentiment
1
Sentiment Sources
1
Rating
-
Target Price
1.7
Strong Buy
-
Buy
-
Hold
-
Sell
-
Strong Sell
-
Current Quarter
2025-09-30
Revenue
1960954000
Cost Of Revenue
626465000
Gross Profit
1334489000
Operating Expenses
972556000
Operating Income
361933000
Interest Expense
524939000
Pretax Income
501417000
Net Income
421241000
Eps
60.34773357722218
Dividends Per Share
-
Shares Outstanding
22803938
Income Tax Expense
80176000
EBITDA
1223468694
Operating Margin
18.456985732454715
Total Other Income Expense Net
139484000
Cash
890854000
Short Term Investments
-
Receivables
3065608000
Inventories
-
Total Current Assets
12419259000
Property Plant Equipment
20824000
Total Assets
14688632000
Payables
-
Short Term Debt
566377000
Long Term Debt
-
Total Liabilities
6759888000
Equity
7928744000
Depreciation
1799694
Change In Working Capital
-
Cash From Operations
-
Capital Expenditures
0
Cash From Investing
-
Cash From Financing
-
Net Change In Cash
-
PE
1.2682
PB
0.006268234978957575
ROE
5.312833911651076
ROA
2.8678028015134425
FCF
-
Fcf Percent
-
Piotroski FScore
2
Health Score
49
Deep Value Investing Score
8.5
Defensive Investing Score
4.5
Dividend Investing Score
1.5
Economic Moat Investing Score
6.8
Garp Investing Score
3
Growth Investing Score
2.5
Momentum Investing Score
4
Net Net Investing Score
8
Quality Investing Score
4.5
Value Investing Score
9.5
Quarters > 0 > quarter
2025-09-30
Quarters > 0 > income Statement > revenue
1960954000
Quarters > 0 > income Statement > cost Of Revenue
626465000
Quarters > 0 > income Statement > gross Profit
1334489000
Quarters > 0 > income Statement > operating Expenses
972556000
Quarters > 0 > income Statement > operating Income
361933000
Quarters > 0 > income Statement > interest Expense
524939000
Quarters > 0 > income Statement > pretax Income
501417000
Quarters > 0 > income Statement > net Income
421241000
Quarters > 0 > income Statement > eps
60.34773357722218
Quarters > 0 > income Statement > dividends Per Share
-
Quarters > 0 > income Statement > shares Outstanding
6980229
Quarters > 0 > income Statement > income Tax Expense
80176000
Quarters > 0 > income Statement > EBITDA
1223468694
Quarters > 0 > income Statement > operating Margin
18.456985732454715
Quarters > 0 > income Statement > total Other Income Expense Net
139484000
Quarters > 0 > balance Sheet > cash
890854000
Quarters > 0 > balance Sheet > short Term Investments
-
Quarters > 0 > balance Sheet > receivables
3065608000
Quarters > 0 > balance Sheet > inventories
-
Quarters > 0 > balance Sheet > total Current Assets
12419259000
Quarters > 0 > balance Sheet > property Plant Equipment
20824000
Quarters > 0 > balance Sheet > total Assets
14688632000
Quarters > 0 > balance Sheet > payables
-
Quarters > 0 > balance Sheet > short Term Debt
566377000
Quarters > 0 > balance Sheet > long Term Debt
-
Quarters > 0 > balance Sheet > total Liabilities
6759888000
Quarters > 0 > balance Sheet > equity
7928744000
Quarters > 0 > cash Flow > net Income
421241000
Quarters > 0 > cash Flow > depreciation
1799694
Quarters > 0 > cash Flow > change In Working Capital
-
Quarters > 0 > cash Flow > cash From Operations
-
Quarters > 0 > cash Flow > capital Expenditures
0
Quarters > 0 > cash Flow > cash From Investing
-
Quarters > 0 > cash Flow > cash From Financing
-
Quarters > 0 > cash Flow > net Change In Cash
-
Quarters > 0 > ratios > PE
60.34773357722218
Quarters > 0 > ratios > PB
0.006268234978957575
Quarters > 0 > ratios > ROE
5.312833911651076
Quarters > 0 > ratios > ROA
2.8678028015134425
Quarters > 0 > ratios > FCF
-
Quarters > 0 > ratios > Piotroski FScore
2
Quarters > 0 > ratios > fcf Percent
-
Quarters > 0 > health Score
49
Quarters > 1 > quarter
2025-06-30
Quarters > 1 > income Statement > revenue
1759430000
Quarters > 1 > income Statement > cost Of Revenue
1044128000
Quarters > 1 > income Statement > gross Profit
715302000
Quarters > 1 > income Statement > operating Expenses
49318000
Quarters > 1 > income Statement > operating Income
665984000
Quarters > 1 > income Statement > interest Expense
756264000
Quarters > 1 > income Statement > pretax Income
638811000
Quarters > 1 > income Statement > net Income
528016000
Quarters > 1 > income Statement > eps
72.01627736774297
Quarters > 1 > income Statement > dividends Per Share
-
Quarters > 1 > income Statement > shares Outstanding
7331898
Quarters > 1 > income Statement > income Tax Expense
110795000
Quarters > 1 > income Statement > EBITDA
665984000
Quarters > 1 > income Statement > operating Margin
37.85225897023467
Quarters > 1 > income Statement > total Other Income Expense Net
-27173000
Quarters > 1 > balance Sheet > cash
3294542000
Quarters > 1 > balance Sheet > short Term Investments
-
Quarters > 1 > balance Sheet > receivables
3161642000
Quarters > 1 > balance Sheet > inventories
-
Quarters > 1 > balance Sheet > total Current Assets
6456184000
Quarters > 1 > balance Sheet > property Plant Equipment
18532000
Quarters > 1 > balance Sheet > total Assets
13687855000
Quarters > 1 > balance Sheet > payables
-
Quarters > 1 > balance Sheet > short Term Debt
401500000
Quarters > 1 > balance Sheet > long Term Debt
-
Quarters > 1 > balance Sheet > total Liabilities
5966953000
Quarters > 1 > balance Sheet > equity
7720902000
Quarters > 1 > cash Flow > net Income
528015999
Quarters > 1 > cash Flow > depreciation
-
Quarters > 1 > cash Flow > change In Working Capital
-
Quarters > 1 > cash Flow > cash From Operations
-
Quarters > 1 > cash Flow > capital Expenditures
0
Quarters > 1 > cash Flow > cash From Investing
-
Quarters > 1 > cash Flow > cash From Financing
-
Quarters > 1 > cash Flow > net Change In Cash
-
Quarters > 1 > ratios > PE
72.01627736774297
Quarters > 1 > ratios > PB
0.006761271385130908
Quarters > 1 > ratios > ROE
6.838786452670945
Quarters > 1 > ratios > ROA
3.857551091825564
Quarters > 1 > ratios > FCF
-
Quarters > 1 > ratios > Piotroski FScore
2
Quarters > 1 > ratios > fcf Percent
-
Quarters > 1 > health Score
51
Quarters > 2 > quarter
2025-03-31
Quarters > 2 > income Statement > revenue
1450318000
Quarters > 2 > income Statement > cost Of Revenue
844548000
Quarters > 2 > income Statement > gross Profit
605770000
Quarters > 2 > income Statement > operating Expenses
49809000
Quarters > 2 > income Statement > operating Income
555961000
Quarters > 2 > income Statement > interest Expense
709007000
Quarters > 2 > income Statement > pretax Income
574655000
Quarters > 2 > income Statement > net Income
458127000
Quarters > 2 > income Statement > eps
9.370183261065206
Quarters > 2 > income Statement > dividends Per Share
-
Quarters > 2 > income Statement > shares Outstanding
48892000
Quarters > 2 > income Statement > income Tax Expense
116528000
Quarters > 2 > income Statement > EBITDA
555961000
Quarters > 2 > income Statement > operating Margin
38.33373094728191
Quarters > 2 > income Statement > total Other Income Expense Net
18694000
Quarters > 2 > balance Sheet > cash
3515808000
Quarters > 2 > balance Sheet > short Term Investments
-
Quarters > 2 > balance Sheet > receivables
2409743000
Quarters > 2 > balance Sheet > inventories
-
Quarters > 2 > balance Sheet > total Current Assets
5925551000
Quarters > 2 > balance Sheet > property Plant Equipment
16767000
Quarters > 2 > balance Sheet > total Assets
12093005000
Quarters > 2 > balance Sheet > payables
258006655
Quarters > 2 > balance Sheet > short Term Debt
603500000
Quarters > 2 > balance Sheet > long Term Debt
-
Quarters > 2 > balance Sheet > total Liabilities
4657578000
Quarters > 2 > balance Sheet > equity
7435427000
Quarters > 2 > cash Flow > net Income
458127000
Quarters > 2 > cash Flow > depreciation
1799694
Quarters > 2 > cash Flow > change In Working Capital
-
Quarters > 2 > cash Flow > cash From Operations
-
Quarters > 2 > cash Flow > capital Expenditures
0
Quarters > 2 > cash Flow > cash From Investing
-
Quarters > 2 > cash Flow > cash From Financing
-
Quarters > 2 > cash Flow > net Change In Cash
-
Quarters > 2 > ratios > PE
9.370183261065206
Quarters > 2 > ratios > PB
0.04681789492385575
Quarters > 2 > ratios > ROE
6.161408080531219
Quarters > 2 > ratios > ROA
3.7883636035873627
Quarters > 2 > ratios > FCF
-
Quarters > 2 > ratios > Piotroski FScore
2
Quarters > 2 > ratios > fcf Percent
-
Quarters > 2 > health Score
61
Quarters > 3 > quarter
2024-12-31
Quarters > 3 > income Statement > revenue
728327547
Quarters > 3 > income Statement > cost Of Revenue
-
Quarters > 3 > income Statement > gross Profit
-
Quarters > 3 > income Statement > operating Expenses
-
Quarters > 3 > income Statement > operating Income
-
Quarters > 3 > income Statement > interest Expense
503704287
Quarters > 3 > income Statement > pretax Income
490698096
Quarters > 3 > income Statement > net Income
385625765
Quarters > 3 > income Statement > eps
1.538328412041851
Quarters > 3 > income Statement > dividends Per Share
-
Quarters > 3 > income Statement > shares Outstanding
250678439
Quarters > 3 > income Statement > income Tax Expense
-
Quarters > 3 > income Statement > EBITDA
-
Quarters > 3 > income Statement > operating Margin
-
Quarters > 3 > income Statement > total Other Income Expense Net
-
Quarters > 3 > balance Sheet > cash
2942908653
Quarters > 3 > balance Sheet > short Term Investments
-
Quarters > 3 > balance Sheet > receivables
2029550471
Quarters > 3 > balance Sheet > inventories
-
Quarters > 3 > balance Sheet > total Current Assets
-
Quarters > 3 > balance Sheet > property Plant Equipment
15833490
Quarters > 3 > balance Sheet > total Assets
11819289603
Quarters > 3 > balance Sheet > payables
258006655
Quarters > 3 > balance Sheet > short Term Debt
-
Quarters > 3 > balance Sheet > long Term Debt
-
Quarters > 3 > balance Sheet > total Liabilities
4866134961
Quarters > 3 > balance Sheet > equity
6953154642
Quarters > 3 > cash Flow > net Income
385625765
Quarters > 3 > cash Flow > depreciation
-
Quarters > 3 > cash Flow > change In Working Capital
-
Quarters > 3 > cash Flow > cash From Operations
-
Quarters > 3 > cash Flow > capital Expenditures
0
Quarters > 3 > cash Flow > cash From Investing
-
Quarters > 3 > cash Flow > cash From Financing
-
Quarters > 3 > cash Flow > net Change In Cash
-
Quarters > 3 > ratios > PE
1.538328412041851
Quarters > 3 > ratios > PB
0.25669362722049466
Quarters > 3 > ratios > ROE
5.546054774485483
Quarters > 3 > ratios > ROA
3.2626814127823685
Quarters > 3 > ratios > FCF
-
Quarters > 3 > ratios > Piotroski FScore
2
Quarters > 3 > ratios > fcf Percent
-
Quarters > 3 > health Score
60
Annuals > 0 > quarter
2024-12-31
Annuals > 0 > income Statement > revenue
5871781746
Annuals > 0 > income Statement > cost Of Revenue
1959797878
Annuals > 0 > income Statement > gross Profit
3911983868
Annuals > 0 > income Statement > operating Expenses
2038214455
Annuals > 0 > income Statement > operating Income
1873769413
Annuals > 0 > income Statement > interest Expense
1582472287
Annuals > 0 > income Statement > pretax Income
1945607479
Annuals > 0 > income Statement > net Income
1539905765
Annuals > 0 > income Statement > eps
31.496068170661868
Annuals > 0 > income Statement > dividends Per Share
116640000
Annuals > 0 > income Statement > shares Outstanding
48892000
Annuals > 0 > income Statement > income Tax Expense
405701714
Annuals > 0 > income Statement > EBITDA
3707518000
Annuals > 0 > income Statement > operating Margin
31.91142815000672
Annuals > 0 > income Statement > total Other Income Expense Net
71838066
Annuals > 0 > balance Sheet > cash
2942908653
Annuals > 0 > balance Sheet > short Term Investments
-
Annuals > 0 > balance Sheet > receivables
2047469152
Annuals > 0 > balance Sheet > inventories
-
Annuals > 0 > balance Sheet > total Current Assets
5001056856
Annuals > 0 > balance Sheet > property Plant Equipment
15833490
Annuals > 0 > balance Sheet > total Assets
11819289603
Annuals > 0 > balance Sheet > payables
258006655
Annuals > 0 > balance Sheet > short Term Debt
328500000
Annuals > 0 > balance Sheet > long Term Debt
-
Annuals > 0 > balance Sheet > total Liabilities
4866134961
Annuals > 0 > balance Sheet > equity
6953154642
Annuals > 0 > cash Flow > net Income
1539906000
Annuals > 0 > cash Flow > depreciation
7199000
Annuals > 0 > cash Flow > change In Working Capital
-428436000
Annuals > 0 > cash Flow > cash From Operations
1523386000
Annuals > 0 > cash Flow > capital Expenditures
14223000
Annuals > 0 > cash Flow > cash From Investing
122034000
Annuals > 0 > cash Flow > cash From Financing
-1935176000
Annuals > 0 > cash Flow > net Change In Cash
-282861000
Annuals > 0 > ratios > PE
31.496068170661868
Annuals > 0 > ratios > PB
0.051541836540675054
Annuals > 0 > ratios > ROE
22.14686490213114
Annuals > 0 > ratios > ROA
13.028750599436515
Annuals > 0 > ratios > FCF
1509163000
Annuals > 0 > ratios > Piotroski FScore
3
Annuals > 0 > ratios > fcf Percent
0.25701960074181546
Annuals > 0 > health Score
81
Annuals > 1 > quarter
2023-12-31
Annuals > 1 > income Statement > revenue
3277329118
Annuals > 1 > income Statement > cost Of Revenue
1679159240
Annuals > 1 > income Statement > gross Profit
1598169878
Annuals > 1 > income Statement > operating Expenses
129591889
Annuals > 1 > income Statement > operating Income
1468577989
Annuals > 1 > income Statement > interest Expense
1370942033
Annuals > 1 > income Statement > pretax Income
1447924477
Annuals > 1 > income Statement > net Income
1186793974
Annuals > 1 > income Statement > eps
24.48411400396105
Annuals > 1 > income Statement > dividends Per Share
58401356
Annuals > 1 > income Statement > shares Outstanding
48472000
Annuals > 1 > income Statement > income Tax Expense
261130503
Annuals > 1 > income Statement > EBITDA
1473838594
Annuals > 1 > income Statement > operating Margin
44.81020782850775
Annuals > 1 > income Statement > total Other Income Expense Net
-20653512
Annuals > 1 > balance Sheet > cash
2897824126
Annuals > 1 > balance Sheet > short Term Investments
-1702472396
Annuals > 1 > balance Sheet > receivables
1684137791
Annuals > 1 > balance Sheet > inventories
-24636247
Annuals > 1 > balance Sheet > total Current Assets
4590386873
Annuals > 1 > balance Sheet > property Plant Equipment
8642392
Annuals > 1 > balance Sheet > total Assets
11650024640
Annuals > 1 > balance Sheet > payables
179829921
Annuals > 1 > balance Sheet > short Term Debt
565000000
Annuals > 1 > balance Sheet > long Term Debt
-
Annuals > 1 > balance Sheet > total Liabilities
5802900353
Annuals > 1 > balance Sheet > equity
5847124287
Annuals > 1 > cash Flow > net Income
1186793974
Annuals > 1 > cash Flow > depreciation
5260605
Annuals > 1 > cash Flow > change In Working Capital
-633722857
Annuals > 1 > cash Flow > cash From Operations
814137169
Annuals > 1 > cash Flow > capital Expenditures
8468350
Annuals > 1 > cash Flow > cash From Investing
-1106334486
Annuals > 1 > cash Flow > cash From Financing
1227458379
Annuals > 1 > cash Flow > net Change In Cash
937547718
Annuals > 1 > ratios > PE
24.48411400396105
Annuals > 1 > ratios > PB
0.06076487219365994
Annuals > 1 > ratios > ROE
20.297054000350514
Annuals > 1 > ratios > ROA
10.187051192365546
Annuals > 1 > ratios > FCF
805668819
Annuals > 1 > ratios > Piotroski FScore
4
Annuals > 1 > ratios > fcf Percent
0.24583091596600523
Annuals > 1 > health Score
86
Annuals > 2 > quarter
2022-12-31
Annuals > 2 > income Statement > revenue
2323223299
Annuals > 2 > income Statement > cost Of Revenue
1000816628
Annuals > 2 > income Statement > gross Profit
1322406671
Annuals > 2 > income Statement > operating Expenses
102510495
Annuals > 2 > income Statement > operating Income
1219896176
Annuals > 2 > income Statement > interest Expense
833109421
Annuals > 2 > income Statement > pretax Income
1208070485
Annuals > 2 > income Statement > net Income
811996439
Annuals > 2 > income Statement > eps
15.11140877284401
Annuals > 2 > income Statement > dividends Per Share
0
Annuals > 2 > income Statement > shares Outstanding
53734000
Annuals > 2 > income Statement > income Tax Expense
396074046
Annuals > 2 > income Statement > EBITDA
1226542488
Annuals > 2 > income Statement > operating Margin
52.50877849430521
Annuals > 2 > income Statement > total Other Income Expense Net
-11825691
Annuals > 2 > balance Sheet > cash
2372588032
Annuals > 2 > balance Sheet > short Term Investments
-32
Annuals > 2 > balance Sheet > receivables
1199428363
Annuals > 2 > balance Sheet > inventories
-6184983246
Annuals > 2 > balance Sheet > total Current Assets
3594529497
Annuals > 2 > balance Sheet > property Plant Equipment
5861360
Annuals > 2 > balance Sheet > total Assets
8837663448
Annuals > 2 > balance Sheet > payables
195089417
Annuals > 2 > balance Sheet > short Term Debt
70208800
Annuals > 2 > balance Sheet > long Term Debt
-
Annuals > 2 > balance Sheet > total Liabilities
4084408756
Annuals > 2 > balance Sheet > equity
4753254692
Annuals > 2 > cash Flow > net Income
811996439
Annuals > 2 > cash Flow > depreciation
6646312
Annuals > 2 > cash Flow > change In Working Capital
-985063748
Annuals > 2 > cash Flow > cash From Operations
322701870
Annuals > 2 > cash Flow > capital Expenditures
6055110
Annuals > 2 > cash Flow > cash From Investing
-913388006
Annuals > 2 > cash Flow > cash From Financing
576351240
Annuals > 2 > cash Flow > net Change In Cash
14921021
Annuals > 2 > ratios > PE
15.11140877284401
Annuals > 2 > ratios > PB
0.08286326854374249
Annuals > 2 > ratios > ROE
17.082956660551694
Annuals > 2 > ratios > ROA
9.187908588935441
Annuals > 2 > ratios > FCF
316646760
Annuals > 2 > ratios > Piotroski FScore
3
Annuals > 2 > ratios > fcf Percent
0.13629630872602574
Annuals > 2 > health Score
76
Annuals > 3 > quarter
2021-12-31
Annuals > 3 > income Statement > revenue
1511932959
Annuals > 3 > income Statement > cost Of Revenue
144949714
Annuals > 3 > income Statement > gross Profit
1366983245
Annuals > 3 > income Statement > operating Expenses
176182861
Annuals > 3 > income Statement > operating Income
1190800384
Annuals > 3 > income Statement > interest Expense
19385973000
Annuals > 3 > income Statement > pretax Income
1190800384
Annuals > 3 > income Statement > net Income
825407023
Annuals > 3 > income Statement > eps
14.700861528341921
Annuals > 3 > income Statement > dividends Per Share
103196981000
Annuals > 3 > income Statement > shares Outstanding
56146847
Annuals > 3 > income Statement > income Tax Expense
368735701
Annuals > 3 > income Statement > EBITDA
1198935936
Annuals > 3 > income Statement > operating Margin
78.7601313214047
Annuals > 3 > income Statement > total Other Income Expense Net
1246
Annuals > 3 > balance Sheet > cash
2085169000
Annuals > 3 > balance Sheet > short Term Investments
82843800
Annuals > 3 > balance Sheet > receivables
747480000
Annuals > 3 > balance Sheet > inventories
-5010573133
Annuals > 3 > balance Sheet > total Current Assets
2915492800
Annuals > 3 > balance Sheet > property Plant Equipment
6188000
Annuals > 3 > balance Sheet > total Assets
7342737000
Annuals > 3 > balance Sheet > payables
83082569
Annuals > 3 > balance Sheet > short Term Debt
166500000
Annuals > 3 > balance Sheet > long Term Debt
1487379000
Annuals > 3 > balance Sheet > total Liabilities
3365841000
Annuals > 3 > balance Sheet > equity
3976896000
Annuals > 3 > cash Flow > net Income
825406545
Annuals > 3 > cash Flow > depreciation
8135552
Annuals > 3 > cash Flow > change In Working Capital
-1123941919
Annuals > 3 > cash Flow > cash From Operations
449171181
Annuals > 3 > cash Flow > capital Expenditures
2620038
Annuals > 3 > cash Flow > cash From Investing
-2347593831
Annuals > 3 > cash Flow > cash From Financing
1301311826
Annuals > 3 > cash Flow > net Change In Cash
-606484058
Annuals > 3 > ratios > PE
14.700861528341921
Annuals > 3 > ratios > PB
0.10348683709858142
Annuals > 3 > ratios > ROE
20.755056782978485
Annuals > 3 > ratios > ROA
11.241135601070827
Annuals > 3 > ratios > FCF
446551143
Annuals > 3 > ratios > Piotroski FScore
3
Annuals > 3 > ratios > fcf Percent
0.29535115319885025
Annuals > 3 > health Score
85
Valuation > metrics > PE
1.2682
Valuation > metrics > PB
0.006268234978957575
Valuation > final Score
90
Valuation > verdict
93.3% Undervalued
Profitability > metrics > ROE
5.312833911651076
Profitability > metrics > ROA
3.3918368237589696
Profitability > metrics > Net Margin
0.21481431996874992
Profitability > final Score
51
Profitability > verdict
Weak
Risk > metrics > Debt Equity
0.8525799294314459
Risk > metrics > Interest Coverage
0.6894763010559322
Risk > final Score
51
Risk > verdict
High
Liquidity > metrics > Current Ratio
21.927548258492134
Liquidity > metrics > Quick Ratio
21.927548258492134
Liquidity > final Score
100
Liquidity > verdict
Great
Prev Valuations > 0
40
Prev Valuations > 1
90
Prev Valuations > 2
90
Prev Profitabilities > 0
68
Prev Profitabilities > 1
66
Prev Profitabilities > 2
56
Prev Risks > 0
52
Prev Risks > 1
51
Prev Risks > 2
48
Prev Liquidities > 0
100
Prev Liquidities > 1
100
Prev Liquidities > 2
10
Updated At
2025-12-14T01:27:13.332Z
Earnings History > 0 > period
2025-09-30
Earnings History > 0 > report Date
2025-11-20
Earnings History > 0 > date
2025-09-30
Earnings History > 0 > before After Market
AfterMarket
Earnings History > 0 > currency
-
Earnings History > 0 > eps Actual
1.4053
Earnings History > 0 > eps Estimate
-
Earnings History > 0 > eps Difference
0
Earnings History > 0 > surprise Percent
-
Earnings History > 1 > period
2025-06-30
Earnings History > 1 > report Date
2025-08-18
Earnings History > 1 > date
2025-06-30
Earnings History > 1 > before After Market
-
Earnings History > 1 > currency
-
Earnings History > 1 > eps Actual
12
Earnings History > 1 > eps Estimate
-
Earnings History > 1 > eps Difference
0
Earnings History > 1 > surprise Percent
-
Earnings History > 2 > period
2025-03-31
Earnings History > 2 > report Date
2025-05-19
Earnings History > 2 > date
2025-03-31
Earnings History > 2 > before After Market
-
Earnings History > 2 > currency
-
Earnings History > 2 > eps Actual
10.56
Earnings History > 2 > eps Estimate
0
Earnings History > 2 > eps Difference
10.56
Earnings History > 2 > surprise Percent
-
Earnings History > 3 > period
2024-12-31
Earnings History > 3 > report Date
2025-03-19
Earnings History > 3 > date
2024-12-31
Earnings History > 3 > before After Market
-
Earnings History > 3 > currency
-
Earnings History > 3 > eps Actual
8.04
Earnings History > 3 > eps Estimate
-
Earnings History > 3 > eps Difference
0
Earnings History > 3 > surprise Percent
-
Earnings History > 4 > period
2024-09-30
Earnings History > 4 > report Date
2024-12-19
Earnings History > 4 > date
2024-09-30
Earnings History > 4 > before After Market
AfterMarket
Earnings History > 4 > currency
CNY
Earnings History > 4 > eps Actual
1.0762
Earnings History > 4 > eps Estimate
-
Earnings History > 4 > eps Difference
0
Earnings History > 4 > surprise Percent
-
Earnings History > 5 > period
2024-06-30
Earnings History > 5 > report Date
2024-08-21
Earnings History > 5 > date
2024-06-30
Earnings History > 5 > before After Market
AfterMarket
Earnings History > 5 > currency
CNY
Earnings History > 5 > eps Actual
1.1451
Earnings History > 5 > eps Estimate
-
Earnings History > 5 > eps Difference
0
Earnings History > 5 > surprise Percent
-
Earnings History > 6 > period
2024-03-31
Earnings History > 6 > report Date
2024-05-30
Earnings History > 6 > date
2024-03-31
Earnings History > 6 > before After Market
AfterMarket
Earnings History > 6 > currency
CNY
Earnings History > 6 > eps Actual
1.0209
Earnings History > 6 > eps Estimate
-
Earnings History > 6 > eps Difference
0
Earnings History > 6 > surprise Percent
-
Earnings History > 7 > period
2023-12-31
Earnings History > 7 > report Date
2024-03-26
Earnings History > 7 > date
2023-12-31
Earnings History > 7 > before After Market
AfterMarket
Earnings History > 7 > currency
CNY
Earnings History > 7 > eps Actual
0.5324
Earnings History > 7 > eps Estimate
-
Earnings History > 7 > eps Difference
0
Earnings History > 7 > surprise Percent
-
Earnings History > 8 > period
2023-09-30
Earnings History > 8 > report Date
2023-11-22
Earnings History > 8 > date
2023-09-30
Earnings History > 8 > before After Market
AfterMarket
Earnings History > 8 > currency
CNY
Earnings History > 8 > eps Actual
0.9675
Earnings History > 8 > eps Estimate
-
Earnings History > 8 > eps Difference
0
Earnings History > 8 > surprise Percent
-
Earnings History > 9 > period
2023-06-30
Earnings History > 9 > report Date
2023-08-28
Earnings History > 9 > date
2023-06-30
Earnings History > 9 > before After Market
AfterMarket
Earnings History > 9 > currency
CNY
Earnings History > 9 > eps Actual
1.0653
Earnings History > 9 > eps Estimate
-
Earnings History > 9 > eps Difference
0
Earnings History > 9 > surprise Percent
-
Earnings History > 10 > period
2023-03-31
Earnings History > 10 > report Date
2023-05-25
Earnings History > 10 > date
2023-03-31
Earnings History > 10 > before After Market
BeforeMarket
Earnings History > 10 > currency
CNY
Earnings History > 10 > eps Actual
0.7288
Earnings History > 10 > eps Estimate
-
Earnings History > 10 > eps Difference
0
Earnings History > 10 > surprise Percent
-
Earnings History > 11 > period
2022-09-30
Earnings History > 11 > report Date
2022-11-17
Earnings History > 11 > date
2022-09-30
Earnings History > 11 > before After Market
BeforeMarket
Earnings History > 11 > currency
CNY
Earnings History > 11 > eps Actual
0.5634
Earnings History > 11 > eps Estimate
-
Earnings History > 11 > eps Difference
0
Earnings History > 11 > surprise Percent
-
Earnings History > 12 > period
2022-06-30
Earnings History > 12 > report Date
2022-08-09
Earnings History > 12 > date
2022-06-30
Earnings History > 12 > before After Market
AfterMarket
Earnings History > 12 > currency
CNY
Earnings History > 12 > eps Actual
0.4963
Earnings History > 12 > eps Estimate
-
Earnings History > 12 > eps Difference
0
Earnings History > 12 > surprise Percent
-
Earnings History > 13 > period
2022-03-31
Earnings History > 13 > report Date
2022-05-24
Earnings History > 13 > date
2022-03-31
Earnings History > 13 > before After Market
AfterMarket
Earnings History > 13 > currency
CNY
Earnings History > 13 > eps Actual
0.4034
Earnings History > 13 > eps Estimate
-
Earnings History > 13 > eps Difference
0
Earnings History > 13 > surprise Percent
-
Earnings History > 14 > period
2021-09-30
Earnings History > 14 > report Date
2021-11-23
Earnings History > 14 > date
2021-09-30
Earnings History > 14 > before After Market
-
Earnings History > 14 > currency
CNY
Earnings History > 14 > eps Actual
0.7583
Earnings History > 14 > eps Estimate
-
Earnings History > 14 > eps Difference
0
Earnings History > 14 > surprise Percent
-
Earnings History > 15 > period
2021-06-30
Earnings History > 15 > report Date
2021-09-30
Earnings History > 15 > date
2021-06-30
Earnings History > 15 > before After Market
-
Earnings History > 15 > currency
CNY
Earnings History > 15 > eps Actual
0.7629
Earnings History > 15 > eps Estimate
-
Earnings History > 15 > eps Difference
0
Earnings History > 15 > surprise Percent
-
Earnings History > 16 > period
2021-03-31
Earnings History > 16 > report Date
2021-06-30
Earnings History > 16 > date
2021-03-31
Earnings History > 16 > before After Market
-
Earnings History > 16 > currency
CNY
Earnings History > 16 > eps Actual
0.6133
Earnings History > 16 > eps Estimate
-
Earnings History > 16 > eps Difference
0
Earnings History > 16 > surprise Percent
-
Earnings History > 17 > period
2020-12-31
Earnings History > 17 > report Date
2021-03-31
Earnings History > 17 > date
2020-12-31
Earnings History > 17 > before After Market
-
Earnings History > 17 > currency
CNY
Earnings History > 17 > eps Actual
0.5311
Earnings History > 17 > eps Estimate
0
Earnings History > 17 > eps Difference
0.5311
Earnings History > 17 > surprise Percent
-
Earnings History > 18 > period
2020-09-30
Earnings History > 18 > report Date
2020-12-31
Earnings History > 18 > date
2020-09-30
Earnings History > 18 > before After Market
-
Earnings History > 18 > currency
CNY
Earnings History > 18 > eps Actual
-1.8722
Earnings History > 18 > eps Estimate
-
Earnings History > 18 > eps Difference
0
Earnings History > 18 > surprise Percent
-
Earnings History > 19 > period
2020-06-30
Earnings History > 19 > report Date
2020-08-21
Earnings History > 19 > date
2020-06-30
Earnings History > 19 > before After Market
-
Earnings History > 19 > currency
CNY
Earnings History > 19 > eps Actual
-0.3109
Earnings History > 19 > eps Estimate
0.1
Earnings History > 19 > eps Difference
-0.4109
Earnings History > 19 > surprise Percent
-410.9
Earnings History > 20 > period
2020-03-31
Earnings History > 20 > report Date
2020-06-29
Earnings History > 20 > date
2020-03-31
Earnings History > 20 > before After Market
AfterMarket
Earnings History > 20 > currency
CNY
Earnings History > 20 > eps Actual
-0.42
Earnings History > 20 > eps Estimate
0.28
Earnings History > 20 > eps Difference
-0.7
Earnings History > 20 > surprise Percent
-250
Earnings History > 21 > period
2019-12-31
Earnings History > 21 > report Date
2020-03-31
Earnings History > 21 > date
2019-12-31
Earnings History > 21 > before After Market
-
Earnings History > 21 > currency
CNY
Earnings History > 21 > eps Actual
-0.5187
Earnings History > 21 > eps Estimate
0.11
Earnings History > 21 > eps Difference
-0.6287
Earnings History > 21 > surprise Percent
-571.5455
Earnings History > 22 > period
2019-09-30
Earnings History > 22 > report Date
2019-11-20
Earnings History > 22 > date
2019-09-30
Earnings History > 22 > before After Market
AfterMarket
Earnings History > 22 > currency
CNY
Earnings History > 22 > eps Actual
0.45
Earnings History > 22 > eps Estimate
0.7
Earnings History > 22 > eps Difference
-0.25
Earnings History > 22 > surprise Percent
-35.7143
Earnings History > 23 > period
2019-06-30
Earnings History > 23 > report Date
2019-08-18
Earnings History > 23 > date
2019-06-30
Earnings History > 23 > before After Market
AfterMarket
Earnings History > 23 > currency
CNY
Earnings History > 23 > eps Actual
0.93
Earnings History > 23 > eps Estimate
0.66
Earnings History > 23 > eps Difference
0.27
Earnings History > 23 > surprise Percent
40.9091
Earnings History > 24 > period
2019-03-31
Earnings History > 24 > report Date
2019-05-20
Earnings History > 24 > date
2019-03-31
Earnings History > 24 > before After Market
AfterMarket
Earnings History > 24 > currency
CNY
Earnings History > 24 > eps Actual
0.72
Earnings History > 24 > eps Estimate
0.69
Earnings History > 24 > eps Difference
0.03
Earnings History > 24 > surprise Percent
4.3478
Earnings History > 25 > period
2018-12-31
Earnings History > 25 > report Date
2019-03-18
Earnings History > 25 > date
2018-12-31
Earnings History > 25 > before After Market
AfterMarket
Earnings History > 25 > currency
CNY
Earnings History > 25 > eps Actual
0.75
Earnings History > 25 > eps Estimate
0.72
Earnings History > 25 > eps Difference
0.03
Earnings History > 25 > surprise Percent
4.1667
Earnings History > 26 > period
2018-09-30
Earnings History > 26 > report Date
2018-11-19
Earnings History > 26 > date
2018-09-30
Earnings History > 26 > before After Market
AfterMarket
Earnings History > 26 > currency
CNY
Earnings History > 26 > eps Actual
0.72
Earnings History > 26 > eps Estimate
0.4
Earnings History > 26 > eps Difference
0.32
Earnings History > 26 > surprise Percent
80
Earnings History > 27 > period
2018-06-30
Earnings History > 27 > report Date
2018-08-07
Earnings History > 27 > date
2018-06-30
Earnings History > 27 > before After Market
BeforeMarket
Earnings History > 27 > currency
CNY
Earnings History > 27 > eps Actual
0.3
Earnings History > 27 > eps Estimate
0
Earnings History > 27 > eps Difference
0.3
Earnings History > 27 > surprise Percent
-
X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. The company offers Xiaoying credit loans, which are online personal credit loan products comprising Xiaoying card loans and other unsecured loan products; and Xiaoying housing loans, a secured home equity loan product. It also provides guarantee, consulting, e-commerce, and microcredit services. In addition, the company engages in the technology development and service, as well as the sale of products. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.
Stock Price
$ 0.00
0% increase compared to yesterday.
Dividend
Frequency:
Rate:
N/ANext Payout:
N/AShowing 2 of 10
(Last Updated 2025-09-30)
Health Score
Price to Earnings Ratio (P/E)
-
Very High
Low ≥ 50
High ≤ 10
Price to Book Ratio (P/B)
-
Very Low
Low ≤ 1
High ≥ 3
Return on Equity (ROE)
-
Very Low
Low ≤ 5%
High ≥ 25%
Return on Assets (ROA)
-
Very Low
Low ≤ 2%
High ≥ 10%
Debt to Equity
-
Low
Low ≥ 1
High ≤ 0.3
* Institutions hold a combined 3.77% of the total shares of X Financial Class A
1.
Morgan Stanley - Brokerage Accounts(0.6588%)
since
2025/06/30
2.
Hel Ved Capital Management Ltd(0.6234%)
since
2025/06/30
3.
Barclays PLC(0.5036%)
since
2025/06/30
4.
UBS O'Connor LLC(0.5029%)
since
2025/06/30
5.
Renaissance Technologies Corp(0.2054%)
since
2025/06/30
6.
Cubist Systematic Strategies, LLC(0.1814%)
since
2025/06/30
7.
O'Shaughnessy Asset Management LLC(0.1564%)
since
2025/06/30
8.
Citadel Advisors Llc(0.1417%)
since
2025/06/30
9.
Haas invest4 innovation S(0.1223%)
since
2025/08/31
10.
UBS Group AG(0.1045%)
since
2025/06/30
11.
Jump Financial LLC(0.0976%)
since
2025/06/30
12.
Wells Fargo & Co(0.0882%)
since
2025/06/30
13.
Acadian Global Equity UCITS A EUR(0.0683%)
since
2025/08/31
14.
Virtu Financial LLC(0.0503%)
since
2025/06/30
15.
MAVEN SECURITIES Ltd(0.0367%)
since
2025/06/30
16.
Amvescap Plc.(0.0335%)
since
2025/06/30
17.
Invesco Golden Dragon China ETF(0.033%)
since
2025/08/29
18.
ActivePassive International Equity ETF(0.0276%)
since
2025/08/29
19.
BlackRock Inc(0.0222%)
since
2025/06/30
20.
FT Onefolio(TM) 6 CA(0.021%)
since
2025/08/29
21.
Bank of America Corp(0.0159%)
since
2025/06/30
22.
Acadian Asset Management LLC(0.0145%)
since
2025/06/30
23.
Acadian Select Global Equity UCITS A EUR(0.0125%)
since
2025/08/31
24.
Voya Multi-Manager International Eq I(0.0093%)
since
2025/07/31
25.
SEI Screened World Equity Ex-US A (SIIT)(0.0093%)
since
2025/08/31
26.
Federation des caisses Desjardins du Quebec(0.0054%)
since
2025/06/30
27.
Fidelity Global Emerg Mkt Eq X USD Acc(0.0046%)
since
2025/08/31
28.
Avantis Emerging Markets Equity ETF(0.0031%)
since
2025/08/30
29.
Strategic Advisers Emerging Markets(0.0026%)
since
2025/07/31
30.
Public Employees Retirement System Of Ohio(0.0025%)
since
2025/06/30
31.
SBI Securities Co Ltd(0.0022%)
since
2025/06/30
32.
O'Shaughnessy International ADR.(0.0019%)
since
2025/06/30
33.
Acadian EM Equity EF Fuel UCITS AGBP(0.0018%)
since
2025/08/31
34.
QRG QP: Factor EM ADR VMQ(0.0004%)
since
2025/06/30
35.
QRG QP: EM ADR Beta - LM(0.0004%)
since
2025/06/30
36.
QRG QP: Factor EM ADR VQ(0.0003%)
since
2025/06/30
37.
Avantis Emerging Markets Sm Cp Eq ETF(0.0003%)
since
2025/08/30
38.
Symmetry Axiom Global Factor(0%)
since
2025/06/30
39.
Symmetry Axiom International Factor(0%)
since
2025/06/30
* Investors data is estimated based on stocks listed on Finnton that are currently held by Institution/Fund.
Date
—
EPS Estimate
—
Date
2025-09-30
EPS Actual
1.4053
EPS Estimate
—
EPS Difference
0
Surprise Percent
null%
(Last Updated 2025-09-30)
(Last Updated 2025-09-30)
Revenue
$ 0
Cost Of Revenue
$ 0
Gross Profit
$ 0
Operating Expenses
$ 0
Operating Income
$ 0
Interest Expense
$ 0
Pretax Income
$ 0
Net Income
$ 0
Income Tax Expense
$ 0
EBITDA
$ 0
Total Other Income Expense Net
$ 0
Earnings Per Share
0
Dividends Per Share
0
Shares Outstanding
0
Operating Margin
0%
(Last Updated 2025-09-30)
Cash
$ 0
Short Term Investments
$ 0
Receivables
$ 0
Inventories
$ 0
Total Current Assets
$ 0
Property Plant Equipment
$ 0
Total Assets
$ 0
Payables
$ 0
Short Term Debt
$ 0
Long Term Debt
$ 0
Total Liabilities
$ 0
Equity
$ 0
(Last Updated 2025-09-30)
Net Income
$ 0
Depreciation
$ 0
Change In Working Capital
$ 0
Cash From Operations
$ 0
Capital Expenditures
$ 0
Cash From Investing
$ 0
Cash From Financing
$ 0
Net Change In Cash
$ 0
Disclaimer: Finnton is a stock screener tool provided for informational and educational purposes only. The data, analysis, and insights offered on this website do not constitute financial, investment, tax, or legal advice. Users are solely responsible for their own investment decisions, and Finnton makes no guarantees regarding the accuracy, completeness, or reliability of the information provided. Past performance is not indicative of future results. Always conduct your own research and consult with a licensed financial advisor before making any investment decisions.