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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)733.29m
- Net income in USD186.45m
- 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Nicholas Financial Inc | 22.24m | -20.80m | 49.28m | 7.00 | -- | 0.8362 | -- | 2.22 | -2.86 | -2.86 | 3.05 | 8.07 | 0.2613 | -- | 24.07 | 3,176,714.00 | -24.45 | -4.45 | -24.82 | -4.63 | -- | -- | -93.54 | -17.10 | -- | -15.07 | 0.00 | -- | -49.84 | -20.79 | 39.03 | -- | -43.61 | -- |
| Fifth District Bancorp Inc | 17.33m | -231.56k | 55.76m | 64.00 | -- | 0.7146 | 139.59 | 6.26 | -0.0417 | -0.0417 | 1.60 | 14.04 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -2.60 | -- | -- | -- | -- | -- | 13.99 | -- | -72.60 | -- | -- | -- |
| CNFinance Holdings Ltd - ADR | 265.14m | 16.94m | 68.72m | 897.00 | 3.79 | -- | -- | 0.2592 | 0.2644 | 0.2644 | 4.05 | -- | 0.1177 | -- | -- | 295,588.70 | 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 | 103.95m | 1.49k | -- | 0.2936 | -- | 0.3507 | -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) | 733.29m | 186.45m | 162.10m | 521.00 | 1.31 | 0.2566 | -- | 0.2211 | 3.77 | 3.77 | 14.86 | 19.19 | 0.4618 | -- | 3.44 | 1,407,474.00 | 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 | -- |
| California First Leasing Corp | 47.87m | 33.57m | 194.82m | 98.00 | 5.87 | 0.8029 | -- | 4.07 | 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 | -- | -- |
| Consumer Portfolio Services, Inc. | 349.18m | 26.83m | 211.14m | 925.00 | 9.17 | 0.7524 | 7.63 | 0.6047 | 1.08 | 1.08 | 14.11 | 13.16 | 0.1137 | -- | 11.96 | 392,337.10 | 0.8738 | 1.68 | 0.8917 | 1.71 | 52.22 | 66.87 | 7.68 | 13.09 | -- | -- | 0.913 | -- | 8.14 | -2.69 | -47.27 | 24.99 | -12.29 | -- |
| LexinFintech Holdings Ltd - ADR | 1.97bn | 115.01m | 281.15m | 4.27k | 2.56 | 0.1964 | -- | 0.1426 | 0.669 | 0.669 | 11.52 | 8.71 | 0.5927 | 175.11 | 2.49 | 461,956.80 | 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 | -- |
| Better Home & Finance Holding Co | 94.21m | -493.87m | 291.23m | -- | -- | 6.48 | -- | 3.09 | -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 | -- | -- | -- |
| CPI Card Group Inc | 439.49m | 18.05m | 305.15m | 1.45k | 18.06 | -- | 8.93 | 0.6943 | 1.53 | 1.53 | 37.04 | -3.98 | 1.41 | 3.52 | 5.79 | 303,514.50 | 5.81 | 6.77 | 7.24 | 8.61 | 35.38 | 35.75 | 4.11 | 4.65 | 1.36 | 1.99 | 1.20 | 0.00 | -6.56 | 11.69 | -34.36 | -- | 2.60 | -- |
| Aaron's Company Inc | 2.07bn | -42.58m | 316.14m | 9.07k | -- | 0.4679 | 0.6781 | 0.1527 | -1.39 | -1.39 | 67.50 | 21.41 | 1.15 | 10.83 | 63.44 | 228,175.40 | -2.37 | -1.57 | -4.17 | -2.73 | 52.53 | 57.81 | -2.06 | -1.34 | -- | -1.30 | 0.247 | -- | -4.87 | 3.58 | 153.47 | -43.87 | 7.07 | -- |
Data as of Sep 21 2024. Currency figures normalised to X Financial's reporting currency: US Dollar USD
1.98%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| AWH Capital LPas of 31 Mar 2024 | 258.08k | 0.78% |
| Renaissance Technologies LLCas of 30 Jun 2024 | 92.08k | 0.28% |
| Axxion SA (Luxembourg)as of 31 Jul 2024 | 70.00k | 0.21% |
| Goldman Sachs & Co. LLC (Private Banking)as of 31 Mar 2024 | 63.15k | 0.19% |
| Alpha Wave Global LPas of 31 Mar 2024 | 57.62k | 0.17% |
| Acadian Asset Management LLCas of 30 Jun 2024 | 56.28k | 0.17% |
| Morgan Stanley & Co. LLCas of 31 Mar 2024 | 32.00k | 0.10% |
| Citadel Securities LLCas of 31 Mar 2024 | 11.86k | 0.04% |
| 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 31 Mar 2024 - 31 Jul 2024Source: FactSet Research Systems Inc.
