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Valuation: X Financial

Market Cap 1.22B 181M 156M 144M 135M 254M 17.08B 256M 1.7B 662M 8.38B 679M 665M 29.01B P/E 2024
1.93x
P/E 2025 1.11x
Enterprise Value 691M 102M 88.2M 81.09M 76.33M 143M 9.65B 145M 961M 374M 4.74B 384M 376M 16.38B EV / Sales 2024
0.39x
EV / Sales 2025 0.15x
Free-Float
40.58%
Yield 2024
5.04%
Yield 2025 10%
1 day+2.02%
1 week-7.09%
Current month-1.87%
1 month+2.16%
3 months-2.07%
6 months-27.94%
Current year-15.71%
1 week 4.67
Extreme 4.67
5.34
1 month 4.1
Extreme 4.1
5.34
Current year 3.3
Extreme 3.3
6.74
1 year 3.3
Extreme 3.3
20.36
3 years 3.3
Extreme 3.3
20.36
5 years 1.62
Extreme 1.62
20.36
10 years 1.42
Extreme 1.425
60.9
Manager TitleAgeSince
Chief Executive Officer 55 05/01/2015
President 52 24/05/2021
Director of Finance/CFO 60 24/08/2020
Director TitleAgeSince
Chairman 55 05/01/2015
Director/Board Member 55 01/09/2018
Director/Board Member 63 01/09/2018
Date Insider Type Main position Quantity % Market Cap.
06-01Conversion

Director

90,000 0.0389%
03-18Other

Director

270,000 0.1166%
03-18Other

Director

60,000 0.0259%
Change 5-day change 1-year change 3-year change Capi.($)
+2.02%-7.09%-72.75%+7.03% 181M
+2.05%+15.00%+35.37%+960.60% 94.73B
-0.59%-3.93%-64.76%-41.55% 73.6B
+2.00%+15.26%-43.57%-42.31% 32.48B
+5.45%+11.04%+19.70%+360.00% 23.69B
-0.58%+9.55%+20.34%+57.66% 24.21B
+0.67%+0.95%-51.87%-29.16% 19.94B
+0.09%-3.35%-59.99% - 20.03B
-2.02%-0.91%-1.65%+1.66% 15.82B
+0.40%+1.42%-20.69%+145.42% 13.55B
Average +0.90%+6.01%-23.99%+157.71% 31.82B
Weighted average by Cap. +0.96%+8.78%-13.91%+328.32%

Financials

2024 2025
Net sales 5.87B 869M 750M 689M 649M 1.22B 82B 1.23B 8.17B 3.18B 40.24B 3.26B 3.19B 139B 7.64B 1.13B 975M 897M 844M 1.59B 107B 1.6B 10.63B 4.14B 52.36B 4.24B 4.15B 181B
Net income 1.54B 228M 197M 181M 170M 320M 21.5B 322M 2.14B 834M 10.55B 855M 837M 36.51B 1.46B 217M 187M 172M 162M 304M 20.45B 307M 2.04B 793M 10.04B 813M 796M 34.72B
Net Debt -616M -91.13M -78.62M -72.28M -68.03M -128M -8.6B -129M -857M -333M -4.22B -342M -335M -14.6B -532M -78.79M -67.97M -62.49M -58.82M -111M -7.44B -111M -741M -288M -3.65B -296M -289M -12.62B
Logo X Financial
X Financial is a holding company principally engaged in online personal finance business. The Company is engaged in the connection of borrowers with institutional funding partners and the provision of online personal credit loan products. The Company's main product is Xiaoying Credit Loan, which mainly consists of Xiaoying Card Loan and other unsecured loan products. The Company is also engaged in the provision of secured loan products sunch as Xiaoying Housing Loan and others. The Company primarily conducts its businesses in domestic market.
Employees
643
Date Price Change Volume
18/06/26 4.720 $ +0.43% 7,399
17/06/26 4.700 $ -5.05% 104,797
16/06/26 4.950 $ -2.94% 86,285
15/06/26 5.100 $ +1.39% 186,618
12/06/26 5.030 $ -0.98% 22,886
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