Valuation: X Financial

Market Cap 142.48Cr 21Cr 18Cr 17Cr 16Cr 29Cr 2.03TCr 30Cr 200.76Cr 78Cr 1.02TCr 80Cr 78Cr 3.36TCr P/E 2024
1.93x
P/E 2025 1.11x
Enterprise Value 89Cr 13Cr 11Cr 11Cr 9.73Cr 18Cr 1.27TCr 19Cr 125.74Cr 49Cr 636.24Cr 50Cr 49Cr 2.11TCr EV / Sales 2024
0.39x
EV / Sales 2025 0.15x
Free-Float
40.58%
Yield 2024
5.04%
Yield 2025 10%
1 day+0.36%
1 week-1.08%
Current month+11.34%
1 month+18.53%
3 months+15.79%
6 months+10.89%
Current year-1.79%
1 week 5.2
Extreme 5.205
5.56
1 month 4.68
Extreme 4.68
5.59
Current year 3.3
Extreme 3.3
6.74
1 year 3.3
Extreme 3.3
16.4
3 years 3.3
Extreme 3.3
20.36
5 years 1.62
Extreme 1.62
20.36
10 years 1.43
Extreme 1.425011
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 56 01/12/2017
Director/Board Member 55 01/09/2018
Date Insider Type Main position Quantity % Market Cap.
01/08/26 Conversion

Director

90,000 0.0389%
01/08/26 Conversion

Director

90,000 0.0389%
18/03/26 Other

Director

2,70,000 0.1166%
Change 5-day change 1-year change 3-year change Capi.($)
+0.36%-1.08%-56.96%+44.74% 21Cr
-0.17%+1.00%-48.24%-25.54% 9.9TCr
-0.70%-4.30%-9.72%+827.80% 8.55TCr
+0.51%+0.58%-26.02%+33.98% 3.92TCr
-2.95%-4.18%+2.84%+417.59% 2.51TCr
-1.25%-5.04%-20.23%+77.21% 2.46TCr
+6.45%+10.98%-39.29% - 2.12TCr
-0.20%-8.04%-41.83%-26.74% 2.09TCr
+2.19%+4.26%+14.83%+14.33% 1.97TCr
+3.03%+7.77%-36.90%+134.17% 1.58TCr
Average +0.48%+0.24%-26.15%+166.39% 3.51TCr
Weighted average by Cap. +0.20%-0.56%-25.81%+253.97%

Financials

2024 2025
Net sales 587.18Cr 87Cr 75Cr 70Cr 64Cr 120.25Cr 8.35TCr 122.61Cr 827.33Cr 322.51Cr 4.19TCr 327.79Cr 320.66Cr 14TCr 763.94Cr 113.58Cr 97Cr 91Cr 83Cr 156.44Cr 11TCr 159.52Cr 1.08TCr 419.6Cr 5.45TCr 426.47Cr 417.19Cr 18TCr
Net income 153.99Cr 23Cr 20Cr 18Cr 17Cr 32Cr 2.19TCr 32Cr 216.97Cr 85Cr 1.1TCr 86Cr 84Cr 3.63TCr 146.46Cr 22Cr 19Cr 17Cr 16Cr 30Cr 2.08TCr 31Cr 206.35Cr 80Cr 1.04TCr 82Cr 80Cr 3.46TCr
Net Debt -62Cr -9.16Cr -7.84Cr -7.31Cr -6.71Cr -13Cr -876.13Cr -13Cr -87Cr -34Cr -439.08Cr -34Cr -34Cr -1.45TCr -53Cr -7.92Cr -6.78Cr -6.32Cr -5.8Cr -11Cr -757.45Cr -11Cr -75Cr -29Cr -379.6Cr -30Cr -29Cr -1.26TCr
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
20/26/20 $5.500 +0.36% 45,624
19/26/19 $5.480 +2.81% 35,378
18/26/18 $5.330 +0.57% 39,731
17/26/17 $5.300 -2.21% 28,151
14/26/14 $5.420 -2.52% 29,716