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XYFNYSEFinance ServicesFiscal year ends December 31

X Financial

Financials through fiscal 2025, year ended Dec 31, 2025Last filing: 20-F on Apr 30, 2026
$5.10+0.12 (+2.41%)

Close on Oct 19, 2026

X Financial statistics

Financials through Dec 31, 2025, price-based ratios appear once a share price is available, median of Finance Services companies for comparison

Valuation

MeasureX FinancialIndustry median
Market CapCN¥2.67BCN¥467.50M
Enterprise ValueCN¥2.09BCN¥3.60M
PE Ratio0.970.97
PS Ratio0.350.35
PB Ratio0.340.18
P/TBV Ratio0.340.18
P/FCF Ratio1.851.01
P/OCF Ratio1.820.99

Enterprise value

MeasureX FinancialIndustry median
EV / Sales0.270.02
EV / EBITDA1.270.13
EV / EBIT1.28
EV / FCF1.45-0.27

Income (trailing twelve months)

MeasureX FinancialIndustry median
RevenueCN¥7.64BCN¥134.31M
Gross ProfitCN¥5.62BCN¥109.02M
Operating IncomeCN¥1.63B-CN¥85.75M
Pretax IncomeCN¥1.75BCN¥739.30M
Net IncomeCN¥1.46BCN¥1.09B
EBITDACN¥1.64BCN¥11.27M
EPS (Diluted)5.87 CNY1.92 CNY

Margins

MeasureX FinancialIndustry median
Gross Margin73.6%73.6%
Operating Margin21.3%-47.7%
Pretax Margin22.9%22.9%
Profit Margin19.2%75.0%
EBITDA Margin21.5%8.39%
FCF Margin18.9%56.5%

Returns

MeasureX FinancialIndustry median
Return on Equity (ROE)19.8%11.1%
Return on Assets (ROA)11.1%7.90%
Return on Invested Capital (ROIC)20.0%-1.07%

Growth

MeasureX FinancialIndustry median
Revenue Growth (YoY)30.1%1.18%
Net Income Growth (YoY)-4.89%26.0%
EPS Growth (YoY)11.8%11.8%
FCF Growth (YoY)-4.21%-6.77%
Revenue Growth (3Y CAGR)28.9%3.01%
Revenue Growth (5Y CAGR)28.4%7.20%
EPS Growth (3Y CAGR)32.6%15.5%

Balance sheet

MeasureX FinancialIndustry median
Cash & Short-Term InvestmentsCN¥987.63MCN¥1.57B
Total DebtCN¥409.53MCN¥409.53M
Net Cash (Debt)CN¥578.10MCN¥851.82M
Net Cash Per Share1.23 CNY1.76 CNY
Equity (Book Value)CN¥7.84BCN¥7.84B
Book Value Per Share16.71 CNY16.71 CNY
Tangible Book ValueCN¥7.80BCN¥7.80B

Financial position

MeasureX FinancialIndustry median
Debt / Equity0.050.09
Debt / EBITDA0.25
Debt / FCF0.280.30
Net Debt / EBITDA-0.35

Cash flow (trailing twelve months)

MeasureX FinancialIndustry median
Operating Cash FlowCN¥1.47BCN¥703.62M
Capital Expenditures-CN¥21.88M-CN¥84.19M
Free Cash FlowCN¥1.45BCN¥677.88M
FCF Per Share3.08 CNY3.08 CNY

Efficiency

MeasureX FinancialIndustry median
Asset Turnover0.580.18
Revenue Per EmployeeCN¥11.88MCN¥821.00K
Profits Per EmployeeCN¥2.28MCN¥831.53K
Employee Count643643

Dividends and yields

MeasureX FinancialIndustry median
Earnings Yield54.9%43.9%
FCF Yield54.2%99.3%
Buyback Yield27.5%10.8%
Shareholder Yield27.5%10.8%
Payout Ratio10.6%
FCF Payout Ratio10.7%

Shares

MeasureX FinancialIndustry median
Shares Outstanding469,036,000469,036,000
Shares Change (YoY)-15.0%1.06%
Float333,456,000194,899,000
Shares Held by Insiders28.9%40.2%
Shares Held by Institutions0.18%0.72%

Taxes

MeasureX FinancialIndustry median
Income TaxCN¥291.65MCN¥173.99M
Effective Tax Rate16.7%18.0%

Scores

MeasureX FinancialIndustry median
Graham Number46.98 CNY33.14 CNY
Graham Upside725.9%905.6%
Altman Z-Score1.651.36
Piotroski F-Score65

Calculated by StockData from X Financial's SEC filings. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.