P/B
0,2
X Financial
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, and guarantee services provided.
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, and guarantee services provided.
$182.5M
Market Cap • 10/2/2026
2015
(11 years)
Founded
2018
(8 years ago)
IPO
NYSE
Listing Exchange
China
Country
Valuation
P/S
0,2
P/EBITDA
0,9
P/OCF
1
P/FCF
1,1
P/E
1,1
BVPS
26,9
EPS
5
Market Cap
Market Cap
218,9M
EV
136,3M
EV/Revenue
0,1
EV/EBITDA
0,6
EV/EBIT
0,6
Payout
Dividend Per Share
0,5
Dividend Yield
9,7%
Buyback Yield
46,7%
Total Yield
56,4%
Dividend Yield 5Y
3,7%
Payout
10,6%
Retained Earnings
783,9M
Profitability
Gross Margin
100%
EBITDA Margin
21,5%
EBIT Margin
21,3%
Net Margin
19,1%
D&A/EBITDA
0%
R&D/Revenue
0%
Capex/Revenue
0,3%
Capex/D&A
196%
Capex/OCF
1,5%
SBC/OCF
4,2%
% PPE
0,2%
% Goodwill
0%
ROE
20,1%
ROIC
20,1%
Growth
CAGR Revenue 5Y
26,6%
CAGR OCF 5Y
-100%
Leverage
N.D./EBITDA
—
Debt/Equity
0%
Current Ratio
1,8
Quick Ratio
1,4
Interest Coverage
8646,1%
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