← X Financial XYF
Market Price
$5.41
Market Cap
$213.76M
P/E Ratio
6.44
Revenue (FY 2025)
↑35.8% YoY
$1.09B
3-Yr CAGR: 28.4%
Net Income
↓-0.7% YoY
$209.43M
Net Margin: 19.2%
Free Cash Flow
↓-0.0% YoY
$206.73M
FCF Yield: 96.71%
EPS (Diluted)
↑16.7% YoY
$0.84
Basic: $0.86
Return on Equity
Efficiency
18.7%
ROA: 1.4%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (XYF)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | — | — | $114.4M | $-119.6M | — | $-0.50 | — | $82.6M | $80.9M | — |
| FY 2017 | $1,786.9M | — | $1,026.8M | $340.3M | +384.6% | $1.22 | +344.0% | $-615.3M | $-636.0M | -886.0% |
| FY 2018 | $515.0M | -71.2% | $342.5M | $128.4M | -62.3% | $0.42 | -65.6% | $0.8M | $-4.8M | +99.2% |
| FY 2019 | $443.6M | -13.9% | $208.7M | $111.2M | -13.4% | $0.35 | -16.7% | $86.3M | $84.1M | +1,837.3% |
| FY 2020 | $336.1M | -24.2% | $18.6M | $-200.5M | -280.3% | $-0.62 | -277.1% | $-104.1M | $-104.9M | -224.8% |
| FY 2021 | $569.1M | +69.3% | $261.0M | $129.5M | +164.6% | $0.38 | +161.3% | $70.5M | $70.1M | +166.8% |
| FY 2022 | $516.6M | -9.2% | $181.8M | $117.7M | -9.1% | $0.37 | -2.6% | $46.8M | $45.9M | -34.5% |
| FY 2023 | $678.2M | +31.3% | $228.8M | $167.2M | +42.0% | $0.57 | +54.1% | $114.7M | $113.5M | +147.2% |
| FY 2024 | $804.4M | +18.6% | $280.8M | $211.0M | +26.2% | $0.72 | +26.3% | $208.7M | $206.8M | +82.2% |
| FY 2025 | $1,092.4M | +35.8% | $261.6M | $209.4M | -0.7% | $0.84 | +16.7% | $209.9M | $206.7M | -0.0% |
Valuation
Market Price
$5.41
Market Cap
$213.76M
Enterprise Value
$1.24B
P/E Ratio
6.44
P/B Ratio
0.19
FCF Yield
96.71%
Dividend Yield
1.64%
Shares Outstanding
Profitability & Margins
Gross Margin
23.95%
Operating Margin
21.34%
Net Margin
19.17%
Return on Equity (ROE)
18.69%
Return on Assets (ROA)
1.43%
Asset Turnover
0.07x
Revenue 3-Yr CAGR
28.36%
Financial Health & Liquidity
Current Ratio
0.01
Cash Ratio
0.14
Debt / Equity
1.043
Debt / Assets
0.080
Cash & Equivalents
$141.23M
Total Debt
$1.17B
Book Value / Share
$29.10
Cash Flow Efficiency
Operating Cash Flow
$209.86M
Capital Expenditures (CapEx)
$3.13M
Free Cash Flow
$206.73M
OCF / Revenue
19.21%
FCF / Revenue
18.92%
FCF 3-Yr CAGR
65.13%
Per Share Metrics
EPS (Diluted)
$0.84
EPS (Basic)
$0.86
Dividends / Share
$0.09
Book Value / Share
$29.10
EPS YoY Growth
16.67%
Balance Sheet (FY 2025)
Total Assets
$14.67B
Total Liabilities
$6.83B
Stockholders' Equity
$1.12B
Current Assets
$6.23M
Current Liabilities
$1.04B