X Financial ADR XYF

Morningstar Rating
$4.95 +0.01 (0.20%)
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About Quantitative Ratings

Morningstar Quantitative Ratings for Stocks are generated using an algorithm that compares companies that are not under analyst coverage to peer companies that do receive analyst-driven ratings. Companies with quantitative ratings are not formally covered by a Morningstar analyst, but are statistically matched to analyst-rated companies, allowing our models to calculate a quantitative moat, fair value, and uncertainty rating.

Price vs Fair Value

XYF is trading within a range we consider fairly valued.
Price
$4.94
Fair Value
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Uncertainty
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1-Star Price
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5-Star Price
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Economic Moat
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Capital Allocation
—

News

Trading Information

Previous Close Price
$4.94
Day Range
$4.92–5.15
52-Week Range
$3.30–14.86
Bid/Ask
$4.02 / $5.88
Shares Outstanding
36.93M
Market Cap
$182.82M
Volume/Avg
45,635 / 59,042

Key Statistics

Price/Earnings (Normalized)
1.98
Price/Sales
0.24
Dividend Yield (Trailing)
11.32%
Dividend Yield (Forward)
11.31%
Dividend Payment Schedule
May, Sep, Oct
Total Yield
67.14%

Company Profile

X Financial is a Cayman Islands-based technology-driven personal finance company. Along with its subsidiaries, the firm provides diversified investment opportunities to investors in China through its wealth management platform, Xiaoying Wealth Management. Loan products offered by the company include Xiaoying Card Loan, Xiaoying Preferred Loan, and Xiaoying Housing Loan. The company generates revenue from loan facilitation service, post-origination service, guarantee services provided and financing income.
Sector
Financial Services
Industry
Credit Services
Stock Style Box
—
Total Number of Employees
643

Valuation

Metric
XYF
Price/Earnings (Normalized)
1.98
Price/Book Value
0.16
Price/Sales
0.24
Price/Cash Flow
0.84
Price/Earnings
XYF

Financial Strength

Metric
XYF
Quick Ratio
1.72
Current Ratio
2.17
Interest Coverage
—
Quick Ratio
XYF

Profitability

Metric
XYF
Return on Assets (Normalized)
5.43%
Return on Equity (Normalized)
9.57%
Return on Invested Capital (Normalized)
8.42%
Return on Assets
XYF

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1-Day Chart
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LOCK|MsdXlkLOCK|k$$23B
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LOCK|CX$&#?LOCK|GNQz$20B
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