X Financial-adr (XYF)

$3.78

-0.01

(-0.26%)▲

Market is closed - opens 7 PM, 19 Apr 2024

Insights on X Financial-adr

  • Increasing Revenue

    Revenue is up for the last 6 quarters, 311.74M → 563.76M (in $), with an average increase of 10.7% per quarter

  • Decreasing Net Profit

    Netprofit is down for the last 2 quarters, 366.29M → 347.19M (in $), with an average decrease of 5.2% per quarter

  • Vs COF

    In the last 1 year, Capital One Financial Corporation has given 40.2% return, outperforming this stock by 29.1%

Performance

  • $3.74
    $3.85
    $3.78
    downward going graph

    1.06%

    Downside

    Day's Volatility :2.86%

    Upside

    1.82%

    downward going graph
  • $2.90
    $4.81
    $3.78
    downward going graph

    23.28%

    Downside

    52 Weeks Volatility :39.71%

    Upside

    21.41%

    downward going graph

Returns

PeriodX Financial-adrSector (Financials)Index (Russel 2000)
3 Months
-4.53%
6.3%
0.0%
6 Months
6.16%
19.8%
0.0%
1 Year
11.14%
19.0%
-1.5%
3 Years
40.37%
12.1%
-21.8%

Highlights

Market Capitalization
183.9M
Book Value
$120.43
Dividend Share
1.191
Dividend Yield
4.45%
Earnings Per Share (EPS)
3.61
PE Ratio
1.06
Wall Street Target Price
1.7
Profit Margin
24.65%
Operating Margin TTM
23.47%
Return On Assets TTM
9.18%
Return On Equity TTM
22.39%
Revenue TTM
4.8B
Revenue Per Share TTM
100.27
Quarterly Revenue Growth YOY
24.8%
Gross Profit TTM
1.6B
EBITDA
1.5B
Diluted Eps TTM
3.61
Quarterly Earnings Growth YOY
-0.26
EPS Estimate Current Year
0.0
EPS Estimate Next Year
0.0
EPS Estimate Current Quarter
0.0
EPS Estimate Next Quarter
0.0

Analyst Recommendation

Sell
    0
    0%Buy
    37%Hold
    62%Sell
Based on 8 Wall street analysts offering stock ratings for X Financial-adr(by analysts ranked 0 to 5 stars)
Based on 8 analyst
  • Current
  • 1M Ago
  • 3M Ago
Buy
00
00
00
Hold
3
3
3
Sell
5
5
5

Analyst Forecast

What analysts predicted

Downside of 55.03%

Current $3.78
Target $1.70

Company Financials

FY18Y/Y Change
Revenue
315.1M
↑ 115.91%
Net Income
128.4M
↑ 159.53%
Net Profit Margin
40.76%
↑ 6.85%
FY19Y/Y Change
Revenue
183.0M
↓ 41.0%
Net Income
110.8M
↓ 12.32%
Net Profit Margin
60.56%
↑ 19.8%
FY20Y/Y Change
Revenue
-9.4M
↓ 104.81%
Net Income
-199.6M
↓ 268.11%
Net Profit Margin
2.1K%
↑ 2055.95%
FY21Y/Y Change
Revenue
237.3M
↓ 2558.43%
Net Income
129.5M
↓ 163.41%
Net Profit Margin
54.59%
↓ 2061.92%
FY22Y/Y Change
Revenue
222.9M
↑ 1.69%
Net Income
117.7M
↓ 1.62%
Net Profit Margin
52.82%
↓ 1.77%
FY23Y/Y Change
Revenue
2.0B
↑ 27.49%
Net Income
1.3B
↑ 56.71%
Net Profit Margin
64.92%
↑ 12.1%
Q2 FY22Q/Q Change
Revenue
46.5M
↓ 24.38%
Net Income
27.7M
↑ 27.61%
Net Profit Margin
59.57%
↑ 24.27%
Q3 FY22Q/Q Change
Revenue
49.2M
↑ 12.44%
Net Income
29.7M
↑ 14.01%
Net Profit Margin
60.4%
↑ 0.83%
Q4 FY22Q/Q Change
Revenue
67.7M
↑ 33.2%
Net Income
39.8M
↑ 29.72%
Net Profit Margin
58.82%
↓ 1.58%
Q1 FY23Q/Q Change
Revenue
68.0M
↑ 0.0%
Net Income
40.0M
↑ 0.0%
Net Profit Margin
58.82%
↑ 0.0%
Q2 FY23Q/Q Change
Revenue
74.9M
↑ 16.29%
Net Income
50.5M
↑ 33.37%
Net Profit Margin
67.46%
↑ 8.64%
Q3 FY23Q/Q Change
Revenue
563.8M
↑ 3.83%
Net Income
347.2M
↓ 5.21%
Net Profit Margin
61.58%
↓ 5.88%
FY17Y/Y Change
Total Assets
3.9B
↑ 131.33%
Total Liabilities
2.1B
↑ 62.73%
FY18Y/Y Change
Total Assets
674.3M
↑ 19.27%
Total Liabilities
162.7M
↓ 47.28%
FY19Y/Y Change
Total Assets
1.2B
↑ 78.99%
Total Liabilities
562.9M
↑ 251.46%
FY20Y/Y Change
Total Assets
1.2B
↓ 9.25%
Total Liabilities
683.2M
↑ 13.32%
FY21Y/Y Change
Total Assets
1.2B
↓ 2.52%
Total Liabilities
528.2M
↓ 24.47%
FY22Y/Y Change
Total Assets
1.3B
↑ 20.36%
Total Liabilities
592.2M
↑ 21.35%
Q2 FY22Q/Q Change
Total Assets
1.3B
↑ 14.49%
Total Liabilities
603.8M
↑ 20.19%
Q3 FY22Q/Q Change
Total Assets
1.2B
↑ 3.17%
Total Liabilities
581.5M
↑ 2.41%
Q4 FY22Q/Q Change
Total Assets
1.3B
↑ 1.9%
Total Liabilities
592.2M
↓ 1.41%
Q1 FY23Q/Q Change
Total Assets
1.3B
↑ 0.0%
Total Liabilities
594.5M
↑ 0.0%
Q2 FY23Q/Q Change
Total Assets
1.4B
↑ 17.87%
Total Liabilities
694.9M
↑ 23.39%
Q3 FY23Q/Q Change
Total Assets
11.2B
↑ 7.14%
Total Liabilities
5.4B
↑ 8.02%
FY17Y/Y Change
Operating Cash Flow
-615.3M
↓ 845.25%
Investing Cash Flow
-10.8M
↓ 98.53%
Financing Cash Flow
830.2M
↑ 7.09%
FY18Y/Y Change
Operating Cash Flow
778.5K
↓ 100.87%
Investing Cash Flow
60.0M
↓ 3919.55%
Financing Cash Flow
26.4M
↓ 78.1%
FY19Y/Y Change
Operating Cash Flow
86.0M
↑ 11116.84%
Investing Cash Flow
-440.9M
↓ 845.94%
Financing Cash Flow
388.1M
↑ 1391.39%
FY20Y/Y Change
Operating Cash Flow
-104.1M
↓ 213.1%
Investing Cash Flow
-568.0M
↑ 20.3%
Financing Cash Flow
688.5M
↑ 65.64%
FY21Y/Y Change
Operating Cash Flow
70.5M
↓ 166.13%
Investing Cash Flow
-368.4M
↓ 36.63%
Financing Cash Flow
204.2M
↓ 71.02%
Q1 FY19Q/Q Change
Operating Cash Flow
-29.6M
↑ 0.0%
Investing Cash Flow
0.0
↓ 100.0%
Financing Cash Flow
79.9M
↑ 0.0%
Q2 FY19Q/Q Change
Operating Cash Flow
0.0
↓ 100.0%
Investing Cash Flow
0.0
-
Financing Cash Flow
0.0
↓ 100.0%
Q3 FY19Q/Q Change
Operating Cash Flow
0.0
-
Investing Cash Flow
0.0
-
Financing Cash Flow
0.0
-

Technicals Summary

Sell

Neutral

Buy

X Financial-adr is currently not in a favorable trading position ( SELL ) according to technical analysis indicators.

More on Technical Analysis

Peers

Company Name1 Month6 Month1 Year3 Years5 Years
X Financial-adr
X Financial-adr
-15.21%
6.16%
11.14%
40.37%
-75.52%
Paypal Holdings, Inc.
Paypal Holdings, Inc.
-1.51%
13.37%
-17.22%
-76.39%
-41.08%
Capital One Financial Corporation
Capital One Financial Corporation
0.37%
42.57%
40.21%
1.0%
55.23%
American Express Co.
American Express Co.
-1.49%
43.65%
32.4%
46.54%
91.49%
Mastercard Inc.
Mastercard Inc.
-3.91%
17.03%
23.59%
20.41%
91.02%
Visa, Inc.
Visa, Inc.
-4.34%
14.83%
16.73%
20.77%
70.26%
Company NameP/E RatioP/B RatioPEG RatioEPSROEROADiv YieldBVPS
X Financial-adr
X Financial-adr
1.06
1.06
NA
0.0
0.22
0.09
0.04
120.43
Paypal Holdings, Inc.
Paypal Holdings, Inc.
16.52
16.52
0.59
5.07
0.21
0.04
NA
19.64
Capital One Financial Corporation
Capital One Financial Corporation
11.64
11.64
1.86
13.82
0.09
0.01
0.02
139.97
American Express Co.
American Express Co.
19.49
19.49
2.25
12.84
0.32
0.03
0.01
38.81
Mastercard Inc.
Mastercard Inc.
38.9
38.9
1.56
14.4
1.67
0.22
0.01
7.42
Visa, Inc.
Visa, Inc.
31.26
31.26
1.71
9.91
0.47
0.16
0.01
18.99
Company NameAnalyst ViewMarket Cap5 Years Return %PE RatioProfit Margin
X Financial-adr
X Financial-adr
Sell
$183.9M
-75.52%
1.06
24.65%
Paypal Holdings, Inc.
Paypal Holdings, Inc.
Buy
$66.8B
-41.08%
16.52
14.26%
Capital One Financial Corporation
Capital One Financial Corporation
Buy
$52.9B
55.23%
11.64
18.54%
American Express Co.
American Express Co.
Buy
$157.2B
91.49%
19.49
15.06%
Mastercard Inc.
Mastercard Inc.
Buy
$428.9B
91.02%
38.9
44.61%
Visa, Inc.
Visa, Inc.
Buy
$557.4B
70.26%
31.26
53.92%

Institutional Holdings

  • AWH Capital, L.P.

    0.54%

  • Goldman Sachs Group Inc

    0.27%

  • Renaissance Technologies Corp

    0.20%

  • Falcon Edge Capital LP

    0.12%

  • Acadian Asset Management LLC

    0.08%

  • Citadel Advisors Llc

    0.05%

Company Information

x financial provides personal finance services in the people's republic of china. the company offers services as an online marketplace connecting borrowers and investors. its loan product is xiaoying credit loan, which consists of xiaoying card loan catering to the credit card holders and xiaoying preferred loan to small business owners. the company also offers xiaoying housing loan, a home equity loan product for property owners; investment products through xiaoying wealth management platform, such as loans, money market, and insurance products; and loan facilitation services to other platforms. x financial was founded in 2014 and is headquartered in shenzhen, the people's republic of china.

Organization
X Financial-adr
Employees
0
CEO
Mr. Yue Tang
Industry
Finance

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