Valuation: X Financial

Market Cap 124.55Cr 19Cr 17Cr 15Cr 14Cr 26Cr 1.78TCr 27Cr 185.27Cr 74Cr 930.98Cr 70Cr 69Cr 2.96TCr P/E 2024
1.93x
P/E 2025 1.11x
Enterprise Value 71Cr 11Cr 9.6Cr 8.87Cr 8.03Cr 15Cr 1.02TCr 15Cr 106.06Cr 42Cr 532.98Cr 40Cr 39Cr 1.69TCr EV / Sales 2024
0.39x
EV / Sales 2025 0.15x
Free-Float
38.82%
Yield 2024
5.04%
Yield 2025 10%
1 day-0.61%
1 week+0.62%
Current month-5.83%
1 month-5.46%
3 months-2.22%
6 months-1.42%
Current year-13.39%
1 week 4.75
Extreme 4.75
4.93
1 month 4.74
Extreme 4.7413
5.34
Current year 3.3
Extreme 3.3
6.74
1 year 3.3
Extreme 3.3
12.85
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. Importance
01/08/26 Conversion

Director

90,000 0.0389%
01/08/26 Conversion

Director

90,000 0.0389%
01/06/26 Conversion

Director

90,000 0.0389%
Change 5-day change 1-year change 3-year change Capi.($)
-0.61%+0.62%-59.58%+19.16% 19Cr
-0.08%-2.21%-51.66%-31.56% 8.78TCr
-3.31%-10.30%-37.48%+927.30% 8.5TCr
-13.35%-13.01%-43.54%+27.81% 3.32TCr
+0.88%-0.26%-3.42%+333.08% 2.45TCr
+1.54%+1.61%-24.08%+97.39% 2.21TCr
+0.16%-8.92%-39.97% - 2.08TCr
+2.44%+0.16%-44.67%-22.65% 1.84TCr
+0.77%-2.16%+22.04%-2.15% 1.73TCr
-0.52%-3.05%-45.76%+77.53% 1.44TCr
Average -1.08%-3.45%-32.81%+158.44% 3.24TCr
Weighted average by Cap. -1.47%-5.16%-36.23%+290.55%

Financials

2024 2025
Net sales 587.18Cr 88Cr 79Cr 73Cr 66Cr 123.61Cr 8.39TCr 125.1Cr 873.45Cr 347.9Cr 4.39TCr 330.49Cr 323.52Cr 14TCr 763.94Cr 114.58Cr 102.8Cr 95Cr 86Cr 160.82Cr 11TCr 162.76Cr 1.14TCr 452.63Cr 5.71TCr 429.98Cr 420.91Cr 18TCr
Net income 153.99Cr 23Cr 21Cr 19Cr 17Cr 32Cr 2.2TCr 33Cr 229.07Cr 91Cr 1.15TCr 87Cr 85Cr 3.65TCr 146.46Cr 22Cr 20Cr 18Cr 17Cr 31Cr 2.09TCr 31Cr 217.86Cr 87Cr 1.09TCr 82Cr 81Cr 3.48TCr
Net Debt -62Cr -9.24Cr -8.29Cr -7.66Cr -6.94Cr -13Cr -879.76Cr -13Cr -92Cr -36Cr -460.36Cr -35Cr -34Cr -1.46TCr -53Cr -7.99Cr -7.16Cr -6.62Cr -6Cr -11Cr -760.58Cr -11Cr -79Cr -32Cr -398Cr -30Cr -29Cr -1.26TCr
Projected Income Statement - Annual - X Financial
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
28/26/28 $4.850 -0.61% 29,602
27/26/27 $4.880 +1.24% 27,396
26/26/26 $4.820 0.00% 33,522
23/26/23 $4.820 -0.82% 29,734
22/26/22 $4.860 +0.83% 19,003