NYSE: XYFX Financial Stock
$4.70+0.03 (+0.64%)
Updated Sep 12, 2024
XYF Price
$4.70
Fair Value Price
N/A
Market Cap
$230.69M
52 Week Low
$3.41
52 Week High
$4.95
P/E
1.24x
P/B
0.25x
P/S
0.3x
PEG
0.28x
Dividend Yield
10.85%
Revenue
$725.12M
Earnings
$181.07M
Gross Margin
53.4%
Operating Margin
30.06%
Profit Margin
25.4%
Debt to Equity
0.8
Operating Cash Flow
N/A
Beta
0.3
Next Earnings
N/A
Ex-Dividend
Sep 4, 2024
Next Dividend
Sep 27, 2024
XYF Overview
X Financial engages in the development and provision of technology platform for personal finance services. The company is headquartered in Shenzhen, Guangdong and currently employs 744 full-time employees. The Company’s products primarily include Xiaoying Card Loan and Xiaoying Preferred Loan. The firm is also engaged in the provision of investment opportunities to investors through its wealth management platform, Xiaoying Wealth Management. The Company’s WinSAFE risk control system builds risk profiles of its prospective borrowers upon data from credit information providers.
Zen Score
–
Industry Average (33)
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Due Diligence Checks
XYF ($4.70) is trading below its intrinsic value of $26.72, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
XYF is good value based on its earnings relative to its share price (1.24x), compared to the US market average (24.41x)
P/E vs Market Valuation
XYF is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
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XYF News
Valuation
XYF price to earnings (PE)
For valuing profitable companies with steady earnings
Company
1.24x
Industry
27.43x
Market
24.41x
XYF is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
XYF is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
XYF price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.25x
Industry
5x
XYF is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
XYF price to earnings growth (PEG)
For valuing profitable companies with growth potential
XYF is good value based... subscribe to Premium to read more.
PEG Value Valuation
XYF's financial health
Profit margin
Revenue
$189.1M
Net Income
$57.2M
Profit Margin
30.3%
XYF's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$1.6B
Liabilities
$732.9M
Debt to equity
0.8
XYF's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
XYF's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
N/A
Investing
N/A
Financing
N/A
XYF vs Credit Service Stocks
X Financial Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.