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XYF

X Financial - ADR

$2.64

Earnings Summary

Revenue
$408.23Mn
Net Profits
$139.93Mn
Net Profit Margins
34.28%
PE Ratio
25.61

Highlights

Revenue:

X Financial - ADR’s revenue jumped 34.04% since last year same period to $408.23Mn in the Q1 2022. On a quarterly growth basis, X Financial - ADR has generated -0.97% fall in its revenue since last 3-months.

Net Profits:

X Financial - ADR’s net profit fell -27.44% since last year same period to $139.93Mn in the Q1 2022. On a quarterly growth basis, X Financial - ADR has generated -3.84% fall in its net profits since last 3-months.

Net Profit Margins:

X Financial - ADR’s net profit margin fell -45.86% since last year same period to 34.28% in the Q1 2022. On a quarterly growth basis, X Financial - ADR has generated -2.9% fall in its net profit margins since last 3-months.

PE Ratio:

X Financial - ADR’s price-to-earnings ratio after this Q1 2022 earnings stands at 25.61.

Earnings per share (EPS) Estimates

Earnings per share (EPS) estimates of the X Financial - ADR post its latest quarter earnings

EPS Estimate Current Year
0

Highlights

EPS Estimate Current Year:

X Financial - ADR’s earning per share (EPS) estimates for the current year stand at 0.

Key Ratios

Key ratios of the X Financial - ADR post its Q1 2022 earnings

Earning Per Share (EPS)
0.4
Return on Assets (ROA)
0.09
Return on Equity (ROE)
0.01
Dividend Per Share (DPS)
0

Highlights

Earning Per Share (EPS):

X Financial - ADR’s earning per share (EPS) fell -34.22% since last year same period to 0.4 in the Q1 2022. This indicates that the X Financial - ADR has generated -34.22% annual rate of fall in its earning per share (EPS) in the last 4 quarters.

Return on Assets (ROA):

Return on assets (ROA) indicates the profitability of the company in relation to its total assets. This ratio tells the financial health of the company. The higher the ROA, the better the company’s financial health. If any company has a ROA in the range of 5% to 20% - it is generally considered good. ROA above 20% is generally considered excellent. X Financial - ADR’s return on assets (ROA) stands at 0.09.

Earning Per Share (EPS):

The Return On Equity ratio indicates a company’s ability to turn equity capital received from shareholders into profits. ROE highlights the efficiency of equity capital in running the business. Generally, a return on equity in double digits is considered good. X Financial - ADR’s return on equity (ROE) stands at 0.01.

Dividend Per Share (DPS):

X Financial - ADR declared 0 dividend per share during the earnings announcement for Q1 2022.

Earnings Calendar

Earnings DateEstimated EPSReported EPSSurprise %
2020-08-20
0.1
-0.31
-410.9%
2020-12-31
0
0.53
+Inf%
2020-04-27
0.11
0.3
172.73%

Company Information

X Financial (the 'Company') is a leading technology-driven personal finance company in Chinafocused on meeting the huge demand for credit from individuals and small-to-medium-sized enterprise owners. The Company's proprietary big data-driven risk control system, WinSAFE, builds risk profiles of prospective borrowers using a variety data-driven credit assessment methodology to accurately evaluate a borrower's value, payment capability, payment attitude and overall creditworthiness. X Financial has established a strategic partnership with ZhongAn Online P&C Insurance Co., Ltd. in multiple areas of its business operations to directly complement its cutting-edge risk management and credit assessment capabilities. ZhongAn Online P&C Insurance Co., Ltd. provides credit insurance on X Financial's investment products which significantly enhances investor confidence and allows the Company to attract a diversified and low-cost funding base from individuals, enterprises and financial institutions to support its growth. X Financial leverages financial technology to provide convenient, efficient, and secure investment services to a wide range of high-quality borrowers and mass affluent investors which complements traditional financial institutions and helps to promote the development of inclusive finance in China.

Organisation
X Financial - ADR
Employees
2.02K
Industry
Finance