Stock Earnings

Question 1

What are X Financial's key financial statements?

Accepted Answer

According to the latest financial statement (Form-10K), X Financial has a total asset of $11,819, Net profit of $1,539

Question 2

What are the key financial ratios for XYF?

Accepted Answer

X Financial's Current ratio is 2.42, has a Net margin is 26.21, sales per share of $20.01.

Question 3

How is X Financial's revenue broken down by segment or geography?

Accepted Answer

X Financial largest revenue segment is Loan Facilitation Service - Direct Model - Xiaoying Credit Loan, at a revenue of 386,868,475 in the most earnings release.For geography, China is the primary market for X Financial, at a revenue of 679,585,682.

Question 4

Is X Financial profitable?

Accepted Answer

yes, according to the latest financial statements, X Financial has a net profit of $1,539

Question 5

Does X Financial have any liabilities?

Accepted Answer

yes, X Financial has liability of 4,866

Question 6

How many outstanding shares for X Financial?

Accepted Answer

X Financial has a total outstanding shares of 0

Breakdown	TTM	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020
Revenue	7,502	5,871	4,814	3,562	3,626	2,192
Revenue Growth (YoY)	45%	22%	35%	-2%	65%	-28.99%
Cost of Revenue	1,884	1,738	2,869	2,126	1,963	2,071
Gross Profit	5,617	4,133	1,945	1,436	1,663	121
Selling, General & Admin	260	211	211	208	285	336
Research & Development	--	--	--	--	--	--
Operating Expenses	860	678	507	353	352	591
Other Non Operating Income (Expenses)	-45	13	24	40	32	12
Pretax Income	2,236	1,894	1,403	1,223	1,190	-1,601
Income Tax Expense	479	405	249	389	368	-299
Net Income	1,747	1,539	1,186	811	825	-1,308
Net Income Growth	33%	30%	46%	-2%	-163%	-269%
Shares Outstanding (Diluted)	264	293.35	290.83	322.4	336.88	321.23
Shares Change (YoY)	-12%	1%	-10%	-4%	5%	0%
EPS (Diluted)	6.61	5.25	4.08	2.52	2.45	-4.07
EPS Growth	51%	28.99%	62%	3%	-160%	-268%
Free Cash Flow	--	1,509	805	316	446	-684
Free Cash Flow Per Share	--	5.14	2.76	0.98	1.32	-2.12
Gross Margin	74.87%	70.39%	40.4%	40.31%	45.86%	5.52%
Operating Margin	63.4%	58.84%	29.85%	30.37%	36.15%	-21.44%
Profit Margin	23.28%	26.21%	24.63%	22.76%	22.75%	-59.67%
Free Cash Flow Margin	--	25.7%	16.72%	8.87%	12.3%	-31.2%
EBITDA	--	3,462	1,442	1,088	1,319	-459
EBITDA Margin	--	58.96%	29.95%	30.54%	36.37%	-20.93%
D&A For EBITDA	--	7	5	6	8	11
EBIT	4,757	3,455	1,437	1,082	1,311	-470
EBIT Margin	63.4%	58.84%	29.85%	30.37%	36.15%	-21.44%
Effective Tax Rate	21.42%	21.38%	17.74%	31.8%	30.92%	18.67%

X Financial (XYF) Price

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