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About the company
X FINANCIAL is a China-based company principally engaged in the provision of technology-driven personal finance services. The Company’s products primarily include Xiaoying Card Loan and Xiaoying Preferred Loan. The Company 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.
- Revenue in USD (TTM)716.68m
- Net income in USD182.23m
- Incorporated--
- Employees521.00
- LocationX Financial7-8F,Block A,Aerospace Science&Tech Plz,SHENZHEN 518067ChinaCHN
- Phone+86 75 586282977
- Websitehttps://www.xiaoyinggroup.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fifth District Bancorp Inc | 17.33m | -231.56k | 67.55m | 64.00 | -- | 0.8657 | 169.10 | 7.58 | -0.0417 | -0.0417 | 1.60 | 14.04 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -2.60 | -- | -- | -- | -- | -- | 13.99 | -- | -72.60 | -- | -- | -- |
| CNFinance Holdings Ltd - ADR | 259.14m | 16.56m | 78.18m | 897.00 | 4.41 | -- | -- | 0.3017 | 0.2584 | 0.2584 | 3.96 | -- | 0.1177 | -- | -- | 288,893.40 | 0.7523 | 1.41 | 0.8106 | 1.52 | 41.39 | 41.27 | 6.39 | 9.93 | -- | -- | 0.7013 | 0.00 | -0.9691 | -15.57 | 21.62 | -28.17 | 50.52 | -- |
| Oportun Financial Corp | 296.44m | -120.43m | 114.31m | 1.49k | -- | 0.3228 | -- | 0.3856 | -3.10 | -3.10 | 7.63 | 9.91 | 0.0882 | -- | -- | 126,682.10 | -3.58 | -1.44 | -3.68 | -1.51 | -- | -- | -40.62 | -8.62 | -- | -- | 0.888 | -- | -56.19 | -9.93 | -131.47 | -- | 12.75 | -- |
| X Financial (ADR) | 716.68m | 182.23m | 212.35m | 521.00 | 1.75 | 0.344 | -- | 0.2963 | 3.68 | 3.68 | 14.52 | 18.75 | 0.4618 | -- | 3.44 | 1,375,594.00 | 11.56 | 5.65 | 14.00 | 7.70 | 53.43 | 38.29 | 25.03 | 13.10 | -- | -- | 0.3568 | -- | 35.14 | 6.34 | 46.16 | 6.09 | -26.18 | -- |
| Consumer Portfolio Services, Inc. | 358.18m | 21.25m | 218.40m | 925.00 | 12.17 | 0.7921 | 9.88 | 0.6098 | 0.8666 | 0.8666 | 14.64 | 13.32 | 0.1129 | -- | 17.03 | 402,450.60 | 0.6698 | 1.68 | 0.6843 | 1.71 | 50.02 | 66.87 | 5.93 | 13.09 | -- | -- | 0.9159 | -- | 8.14 | -2.69 | -47.27 | 24.99 | -12.29 | -- |
| Better Home & Finance Holding Co | 94.21m | -493.87m | 222.24m | -- | -- | 4.94 | -- | 2.36 | -32.83 | -32.83 | 6.25 | 2.97 | 0.10 | -- | 5.29 | -- | -52.40 | -- | -61.95 | -- | 46.02 | -- | -524.24 | -- | -- | -0.9701 | 0.9469 | -- | -77.88 | -- | 39.65 | -- | -- | -- |
| California First Leasing Corp | 47.87m | 33.57m | 223.43m | 98.00 | 6.73 | 0.9207 | -- | 4.67 | 3.57 | 3.57 | 5.04 | 26.07 | 0.196 | -- | -- | -- | 13.74 | 5.79 | 13.83 | 6.38 | -- | -- | 70.12 | 78.46 | -- | -- | 0.00 | 28.46 | 128.19 | 27.53 | 99.08 | 37.54 | -- | -- |
| CPI Card Group Inc | 458.38m | 15.48m | 306.88m | 1.45k | 21.02 | -- | 9.66 | 0.6695 | 1.31 | 1.31 | 38.60 | -3.83 | 1.44 | 3.54 | 6.23 | 316,558.70 | 4.88 | 6.77 | 6.03 | 8.61 | 35.78 | 35.75 | 3.38 | 4.65 | 1.42 | 1.73 | 1.18 | 0.00 | -6.56 | 11.69 | -34.36 | -- | 2.60 | -- |
| Regional Management Corp | 575.33m | 23.74m | 308.12m | 2.08k | 12.78 | 0.8738 | 11.68 | 0.5356 | 2.37 | 2.37 | 58.80 | 34.72 | 0.3208 | -- | -- | 276,468.00 | 1.32 | 3.33 | 1.38 | 3.78 | -- | -- | 4.13 | 10.26 | -- | 1.44 | 0.7977 | 15.80 | 8.72 | 12.45 | -68.85 | -14.70 | 12.17 | -- |
| Yiren Digital Ltd - ADR | 756.83m | 280.17m | 538.12m | 754.00 | 1.95 | 0.4331 | 1.91 | 0.711 | 3.17 | 3.17 | 8.57 | 14.29 | 0.5154 | -- | 9.53 | 1,003,755.00 | 19.08 | 10.63 | 23.52 | 16.04 | 83.33 | 83.23 | 37.02 | 18.68 | -- | -- | 0.00 | -- | 42.54 | -16.29 | 74.09 | 5.66 | -49.90 | -- |
| Green Dot Corporation | 1.58bn | -53.83m | 576.38m | 1.20k | -- | 0.6624 | 18.06 | 0.3652 | -1.02 | -1.02 | 29.82 | 16.20 | 0.3128 | -- | 62.65 | 1,315,151.00 | -1.07 | 1.23 | -6.26 | 4.96 | -- | -- | -3.41 | 3.58 | -- | 1.31 | 0.8202 | 0.00 | 3.57 | 7.10 | -89.50 | -43.71 | 4.47 | -- |
| LexinFintech Holdings Ltd - ADR | 1.93bn | 112.40m | 591.89m | 4.27k | 5.51 | 0.4231 | -- | 0.3072 | 0.6539 | 0.6539 | 11.26 | 8.51 | 0.5927 | 175.11 | 2.49 | 451,493.20 | 3.46 | 7.03 | 6.62 | 15.32 | 37.11 | 38.77 | 5.83 | 12.58 | 1.77 | 1.67 | 0.3404 | 1.91 | 32.35 | 11.44 | 30.03 | -11.62 | 33.45 | -- |
Data as of Nov 13 2024. Currency figures normalised to X Financial's reporting currency: US Dollar USD
2.21%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| AWH Capital LPas of 30 Jun 2024 | 258.08k | 0.83% |
| Renaissance Technologies LLCas of 30 Jun 2024 | 92.08k | 0.30% |
| Axxion SA (Luxembourg)as of 31 Oct 2024 | 86.00k | 0.28% |
| Goldman Sachs & Co. LLC (Private Banking)as of 30 Jun 2024 | 57.41k | 0.18% |
| Acadian Asset Management LLCas of 30 Jun 2024 | 56.28k | 0.18% |
| Alpha Wave Global LPas of 30 Jun 2024 | 51.85k | 0.17% |
| Ayalon Mutual Funds Ltd.as of 31 Jul 2024 | 39.15k | 0.13% |
| Morgan Stanley & Co. LLCas of 30 Jun 2024 | 32.30k | 0.10% |
| RhumbLine Advisers LPas of 30 Jun 2024 | 8.75k | 0.03% |
| Russell Investment Management LLCas of 30 Jun 2024 | 5.94k | 0.02% |
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Data from 30 Jun 2024 - 31 Oct 2024Source: FactSet Research Systems Inc.
