Financhill
Buy
93

XYF Quote, Financials, Valuation and Earnings

Last price:
$19.36
Seasonality move :
-7.83%
Day range:
$18.34 - $19.42
52-week range:
$3.78 - $19.25
Dividend yield:
1.81%
P/E ratio:
3.91x
P/S ratio:
2.35x
P/B ratio:
0.77x
Volume:
477.9K
Avg. volume:
311.4K
1-year change:
343.47%
Market cap:
$791.4M
Revenue:
$356.6M
EPS (TTM):
$4.80

Price Performance History

Performance vs. Valuation Benchmarks

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Competitors

Company Revenue Forecast Earnings Forecast Revenue Growth Forecast Earnings Growth Forecast Analyst Price Target Median
XYF
X Financial
-- -- -- -- --
BYU
Baiyu Holdings
-- -- -- -- --
DXF
Dunxin Financial Holdings
-- -- -- -- --
LX
LexinFintech Holdings
-- -- -- -- $11.51
NCTY
The9
-- -- -- -- --
QD
Qudian
-- -- -- -- --
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
XYF
X Financial
$18.75 -- $791.4M 3.91x $0.17 1.81% 2.35x
BYU
Baiyu Holdings
$0.18 -- $8.9M 0.40x $0.00 0% 0.04x
DXF
Dunxin Financial Holdings
-- -- -- -- $0.00 0% --
LX
LexinFintech Holdings
$7.42 $11.51 $1.2B 6.99x $0.11 2.45% 0.66x
NCTY
The9
$9.62 -- $135.3M -- $0.00 0% 2.90x
QD
Qudian
$2.99 -- $493.7M 12.48x $0.00 0% 20.88x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
XYF
X Financial
7.51% -0.359 13.68% 1.79x
BYU
Baiyu Holdings
1.28% 3.959 12.18% 7.73x
DXF
Dunxin Financial Holdings
-- 0.000 -- --
LX
LexinFintech Holdings
32.45% 1.188 43.67% 0.81x
NCTY
The9
-- 0.966 -- --
QD
Qudian
5.96% 2.261 22.32% 6.65x
Company Gross Profit Operating Income Return on Invested Capital Return on Common Equity EBIT Margin Free Cash Flow
XYF
X Financial
-- -- 22.39% 23.88% 170.64% --
BYU
Baiyu Holdings
-$58.1K -$2.5M 2.68% 2.72% 13.14% -$3.8M
DXF
Dunxin Financial Holdings
-- -- -- -- -- --
LX
LexinFintech Holdings
$167.6M $64.5M 8.49% 12.65% 17.27% --
NCTY
The9
-- -- -- -- -- --
QD
Qudian
-$61.9K -$8.6M 2.66% 2.76% -241.63% --

X Financial vs. Competitors

  • Which has Higher Returns XYF or BYU?

    Baiyu Holdings has a net margin of 61.8% compared to X Financial's net margin of 9.52%. X Financial's return on equity of 23.88% beat Baiyu Holdings's return on equity of 2.72%.

    Company Gross Margin Earnings Per Share Invested Capital
    XYF
    X Financial
    -- $1.45 $1.1B
    BYU
    Baiyu Holdings
    -0.16% $0.07 $439.2M
  • What do Analysts Say About XYF or BYU?

    X Financial has a consensus price target of --, signalling downside risk potential of -72.8%. On the other hand Baiyu Holdings has an analysts' consensus of -- which suggests that it could fall by --. Given that X Financial has higher upside potential than Baiyu Holdings, analysts believe X Financial is more attractive than Baiyu Holdings.

    Company Buy Ratings Hold Ratings Sell Ratings
    XYF
    X Financial
    0 0 0
    BYU
    Baiyu Holdings
    0 0 0
  • Is XYF or BYU More Risky?

    X Financial has a beta of 0.246, which suggesting that the stock is 75.407% less volatile than S&P 500. In comparison Baiyu Holdings has a beta of 0.756, suggesting its less volatile than the S&P 500 by 24.416%.

  • Which is a Better Dividend Stock XYF or BYU?

    X Financial has a quarterly dividend of $0.17 per share corresponding to a yield of 1.81%. Baiyu Holdings offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. X Financial pays 7.58% of its earnings as a dividend. Baiyu Holdings pays out -- of its earnings as a dividend. X Financial's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios XYF or BYU?

    X Financial quarterly revenues are $101.9M, which are larger than Baiyu Holdings quarterly revenues of $37.2M. X Financial's net income of $63M is higher than Baiyu Holdings's net income of $3.5M. Notably, X Financial's price-to-earnings ratio is 3.91x while Baiyu Holdings's PE ratio is 0.40x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for X Financial is 2.35x versus 0.04x for Baiyu Holdings. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    XYF
    X Financial
    2.35x 3.91x $101.9M $63M
    BYU
    Baiyu Holdings
    0.04x 0.40x $37.2M $3.5M
  • Which has Higher Returns XYF or DXF?

    Dunxin Financial Holdings has a net margin of 61.8% compared to X Financial's net margin of --. X Financial's return on equity of 23.88% beat Dunxin Financial Holdings's return on equity of --.

    Company Gross Margin Earnings Per Share Invested Capital
    XYF
    X Financial
    -- $1.45 $1.1B
    DXF
    Dunxin Financial Holdings
    -- -- --
  • What do Analysts Say About XYF or DXF?

    X Financial has a consensus price target of --, signalling downside risk potential of -72.8%. On the other hand Dunxin Financial Holdings has an analysts' consensus of -- which suggests that it could fall by --. Given that X Financial has higher upside potential than Dunxin Financial Holdings, analysts believe X Financial is more attractive than Dunxin Financial Holdings.

    Company Buy Ratings Hold Ratings Sell Ratings
    XYF
    X Financial
    0 0 0
    DXF
    Dunxin Financial Holdings
    0 0 0
  • Is XYF or DXF More Risky?

    X Financial has a beta of 0.246, which suggesting that the stock is 75.407% less volatile than S&P 500. In comparison Dunxin Financial Holdings has a beta of 0.000, suggesting its less volatile than the S&P 500 by 100%.

  • Which is a Better Dividend Stock XYF or DXF?

    X Financial has a quarterly dividend of $0.17 per share corresponding to a yield of 1.81%. Dunxin Financial Holdings offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. X Financial pays 7.58% of its earnings as a dividend. Dunxin Financial Holdings pays out -- of its earnings as a dividend. X Financial's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios XYF or DXF?

    X Financial quarterly revenues are $101.9M, which are larger than Dunxin Financial Holdings quarterly revenues of --. X Financial's net income of $63M is higher than Dunxin Financial Holdings's net income of --. Notably, X Financial's price-to-earnings ratio is 3.91x while Dunxin Financial Holdings's PE ratio is --. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for X Financial is 2.35x versus -- for Dunxin Financial Holdings. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    XYF
    X Financial
    2.35x 3.91x $101.9M $63M
    DXF
    Dunxin Financial Holdings
    -- -- -- --
  • Which has Higher Returns XYF or LX?

    LexinFintech Holdings has a net margin of 61.8% compared to X Financial's net margin of 13.86%. X Financial's return on equity of 23.88% beat LexinFintech Holdings's return on equity of 12.65%.

    Company Gross Margin Earnings Per Share Invested Capital
    XYF
    X Financial
    -- $1.45 $1.1B
    LX
    LexinFintech Holdings
    39.27% $0.33 $2.3B
  • What do Analysts Say About XYF or LX?

    X Financial has a consensus price target of --, signalling downside risk potential of -72.8%. On the other hand LexinFintech Holdings has an analysts' consensus of $11.51 which suggests that it could grow by 55.16%. Given that LexinFintech Holdings has higher upside potential than X Financial, analysts believe LexinFintech Holdings is more attractive than X Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    XYF
    X Financial
    0 0 0
    LX
    LexinFintech Holdings
    4 0 0
  • Is XYF or LX More Risky?

    X Financial has a beta of 0.246, which suggesting that the stock is 75.407% less volatile than S&P 500. In comparison LexinFintech Holdings has a beta of 0.428, suggesting its less volatile than the S&P 500 by 57.169%.

  • Which is a Better Dividend Stock XYF or LX?

    X Financial has a quarterly dividend of $0.17 per share corresponding to a yield of 1.81%. LexinFintech Holdings offers a yield of 2.45% to investors and pays a quarterly dividend of $0.11 per share. X Financial pays 7.58% of its earnings as a dividend. LexinFintech Holdings pays out 14.94% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios XYF or LX?

    X Financial quarterly revenues are $101.9M, which are smaller than LexinFintech Holdings quarterly revenues of $426.7M. X Financial's net income of $63M is higher than LexinFintech Holdings's net income of $59.2M. Notably, X Financial's price-to-earnings ratio is 3.91x while LexinFintech Holdings's PE ratio is 6.99x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for X Financial is 2.35x versus 0.66x for LexinFintech Holdings. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    XYF
    X Financial
    2.35x 3.91x $101.9M $63M
    LX
    LexinFintech Holdings
    0.66x 6.99x $426.7M $59.2M
  • Which has Higher Returns XYF or NCTY?

    The9 has a net margin of 61.8% compared to X Financial's net margin of --. X Financial's return on equity of 23.88% beat The9's return on equity of --.

    Company Gross Margin Earnings Per Share Invested Capital
    XYF
    X Financial
    -- $1.45 $1.1B
    NCTY
    The9
    -- -- --
  • What do Analysts Say About XYF or NCTY?

    X Financial has a consensus price target of --, signalling downside risk potential of -72.8%. On the other hand The9 has an analysts' consensus of -- which suggests that it could fall by --. Given that X Financial has higher upside potential than The9, analysts believe X Financial is more attractive than The9.

    Company Buy Ratings Hold Ratings Sell Ratings
    XYF
    X Financial
    0 0 0
    NCTY
    The9
    0 0 0
  • Is XYF or NCTY More Risky?

    X Financial has a beta of 0.246, which suggesting that the stock is 75.407% less volatile than S&P 500. In comparison The9 has a beta of 1.820, suggesting its more volatile than the S&P 500 by 81.998%.

  • Which is a Better Dividend Stock XYF or NCTY?

    X Financial has a quarterly dividend of $0.17 per share corresponding to a yield of 1.81%. The9 offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. X Financial pays 7.58% of its earnings as a dividend. The9 pays out -- of its earnings as a dividend. X Financial's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios XYF or NCTY?

    X Financial quarterly revenues are $101.9M, which are larger than The9 quarterly revenues of --. X Financial's net income of $63M is higher than The9's net income of --. Notably, X Financial's price-to-earnings ratio is 3.91x while The9's PE ratio is --. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for X Financial is 2.35x versus 2.90x for The9. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    XYF
    X Financial
    2.35x 3.91x $101.9M $63M
    NCTY
    The9
    2.90x -- -- --
  • Which has Higher Returns XYF or QD?

    Qudian has a net margin of 61.8% compared to X Financial's net margin of -127.04%. X Financial's return on equity of 23.88% beat Qudian's return on equity of 2.76%.

    Company Gross Margin Earnings Per Share Invested Capital
    XYF
    X Financial
    -- $1.45 $1.1B
    QD
    Qudian
    -1.75% $0.12 $1.7B
  • What do Analysts Say About XYF or QD?

    X Financial has a consensus price target of --, signalling downside risk potential of -72.8%. On the other hand Qudian has an analysts' consensus of -- which suggests that it could fall by -64.21%. Given that X Financial has more downside risk than Qudian, analysts believe Qudian is more attractive than X Financial.

    Company Buy Ratings Hold Ratings Sell Ratings
    XYF
    X Financial
    0 0 0
    QD
    Qudian
    0 0 0
  • Is XYF or QD More Risky?

    X Financial has a beta of 0.246, which suggesting that the stock is 75.407% less volatile than S&P 500. In comparison Qudian has a beta of 0.637, suggesting its less volatile than the S&P 500 by 36.296%.

  • Which is a Better Dividend Stock XYF or QD?

    X Financial has a quarterly dividend of $0.17 per share corresponding to a yield of 1.81%. Qudian offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. X Financial pays 7.58% of its earnings as a dividend. Qudian pays out -- of its earnings as a dividend. X Financial's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

  • Which has Better Financial Ratios XYF or QD?

    X Financial quarterly revenues are $101.9M, which are larger than Qudian quarterly revenues of $3.5M. X Financial's net income of $63M is higher than Qudian's net income of $20.6M. Notably, X Financial's price-to-earnings ratio is 3.91x while Qudian's PE ratio is 12.48x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for X Financial is 2.35x versus 20.88x for Qudian. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    XYF
    X Financial
    2.35x 3.91x $101.9M $63M
    QD
    Qudian
    20.88x 12.48x $3.5M $20.6M

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