X Financial ADR XYF

Morningstar Rating
$4.80 +0.16 (3.45%)
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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 at a LOCK|KC%b$^ premium.
Price
$4.64
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
$4.64
Day Range
$4.644.84
52-Week Range
$3.3018.61
Bid/Ask
$4.20 / $4.85
Shares Outstanding
38.52M
Market Cap
$184.88M
Volume/Avg
53,771 / 101,156

Key Statistics

Price/Earnings (Normalized)
1.25
Price/Sales
0.19
Dividend Yield (Trailing)
12.07%
Dividend Yield (Forward)
12.08%
Total Yield
69.18%

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)
1.29
Price/Book Value
0.16
Price/Sales
0.20
Price/Cash Flow
0.82
Price/Earnings
XYF

Financial Strength

Metric
XYF
Quick Ratio
1.53
Current Ratio
2.08
Interest Coverage
Quick Ratio
XYF

Profitability

Metric
XYF
Return on Assets (Normalized)
8.54%
Return on Equity (Normalized)
15.17%
Return on Invested Capital (Normalized)
13.66%
Return on Assets
XYF

Credit Services Industry Comparables

1-Day Chart
Name
Price
Morningstar Rating for Stocks
Capital Allocation
Economic Moat
Market Cap
Visa Inc Class A
V
LOCK|W!p?qVVLOCK|#v$682B
Mastercard Inc Class A
MA
LOCK|%!yqJLLOCK|S&$480B
American Express Co
AXP
LOCK|?y@#MDJLOCK|fl$242B
Capital One Financial Corp
COF
LOCK|?>&L@K>LOCK|X$wm$128B
PayPal Holdings Inc
PYPL
LOCK|JS>&<$LOCK|&$^X$50B
Affirm Holdings Inc Ordinary Shares - Class A
AFRM
LOCK|>@NTQ<LOCK|P#?$$25B
Synchrony Financial
SYF
LOCK|FC#r<SLOCK|XQG$25B
SoFi Technologies Inc Ordinary Shares
SOFI
LOCK|#>Yq@^LOCK|Qncf$22B
Ally Financial Inc
ALLY
LOCK|hgmz>yLOCK|rvp$14B
Klarna Group PLC
KLAR
LOCK|<qKWhbYLOCK|&y$&&$7B

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