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X FINANCIAL-ADR (XYF) Stock Fundamental Analysis

NYSE:XYF - New York Stock Exchange, Inc. - US98372W2026 - ADR - Currency: USD

10  -0.59 (-5.57%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to XYF. XYF was compared to 53 industry peers in the Consumer Finance industry. XYF has an average financial health and profitability rating. XYF does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

XYF had positive earnings in the past year.
XYF had positive earnings in 4 of the past 5 years.
In multiple years XYF reported negative operating cash flow during the last 5 years.
XYF Yearly Net Income VS EBIT VS OCF VS FCFXYF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 0 500M -500M 1B -1B

1.2 Ratios

XYF has a better Return On Assets (10.19%) than 88.46% of its industry peers.
XYF has a Return On Equity of 20.30%. This is in the better half of the industry: XYF outperforms 78.85% of its industry peers.
XYF's Return On Invested Capital of 10.68% is amongst the best of the industry. XYF outperforms 86.54% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for XYF is significantly above the industry average of 7.34%.
Industry RankSector Rank
ROA 10.19%
ROE 20.3%
ROIC 10.68%
ROA(3y)10.21%
ROA(5y)4.5%
ROE(3y)19.38%
ROE(5y)6.66%
ROIC(3y)12.37%
ROIC(5y)N/A
XYF Yearly ROA, ROE, ROICXYF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 0 20 -20 -40

1.3 Margins

With an excellent Profit Margin value of 24.65%, XYF belongs to the best of the industry, outperforming 90.38% of the companies in the same industry.
XYF's Profit Margin has been stable in the last couple of years.
Looking at the Operating Margin, with a value of 29.86%, XYF belongs to the top of the industry, outperforming 90.38% of the companies in the same industry.
XYF's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 40.40%, XYF is in line with its industry, outperforming 48.08% of the companies in the same industry.
XYF's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 29.86%
PM (TTM) 24.65%
GM 40.4%
OM growth 3YN/A
OM growth 5Y-3.68%
PM growth 3YN/A
PM growth 5Y-0.24%
GM growth 3Y93.91%
GM growth 5Y-9.49%
XYF Yearly Profit, Operating, Gross MarginsXYF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 0 20 -20 40 -40 60

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4

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so XYF is creating value.
The number of shares outstanding for XYF remains at a similar level compared to 1 year ago.
Compared to 5 years ago, XYF has less shares outstanding
Compared to 1 year ago, XYF has a worse debt to assets ratio.
XYF Yearly Shares OutstandingXYF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M 40M 50M
XYF Yearly Total Debt VS Total AssetsXYF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2B 4B 6B 8B 10B

2.2 Solvency

XYF has an Altman-Z score of 1.60. This is a bad value and indicates that XYF is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.60, XYF is in the better half of the industry, outperforming 67.31% of the companies in the same industry.
A Debt/Equity ratio of 0.72 indicates that XYF is somewhat dependend on debt financing.
XYF has a better Debt to Equity ratio (0.72) than 69.23% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.72
Debt/FCF N/A
Altman-Z 1.6
ROIC/WACC2.07
WACC5.17%
XYF Yearly LT Debt VS Equity VS FCFXYF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 0 2B 4B

2.3 Liquidity

A Current Ratio of 1.39 indicates that XYF should not have too much problems paying its short term obligations.
XYF has a Current ratio (1.39) which is in line with its industry peers.
A Quick Ratio of 1.39 indicates that XYF should not have too much problems paying its short term obligations.
XYF has a Quick ratio (1.39) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1.39
Quick Ratio 1.39
XYF Yearly Current Assets VS Current LiabilitesXYF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B

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3

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 56.81% over the past year.
Measured over the past 5 years, XYF shows a small growth in Earnings Per Share. The EPS has been growing by 7.00% on average per year.
XYF shows a strong growth in Revenue. In the last year, the Revenue has grown by 35.14%.
XYF shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.34% yearly.
EPS 1Y (TTM)56.81%
EPS 3YN/A
EPS 5Y7%
EPS Q2Q%-33.88%
Revenue 1Y (TTM)35.14%
Revenue growth 3Y29.97%
Revenue growth 5Y6.34%
Sales Q2Q%24.81%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
XYF Yearly Revenue VS EstimatesXYF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B 4B
XYF Yearly EPS VS EstimatesXYF Yearly EPS VS EstimatesYearly EPS VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 0.5 1 1.5 2 2.5

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3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 2.90, which indicates a rather cheap valuation of XYF.
XYF's Price/Earnings ratio is rather cheap when compared to the industry. XYF is cheaper than 98.08% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 29.62. XYF is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 2.9
Fwd PE N/A
XYF Price Earnings VS Forward Price EarningsXYF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
XYF Per share dataXYF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

The decent profitability rating of XYF may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)0.41
EPS Next 2YN/A
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

XYF has a Yearly Dividend Yield of 2.93%.
XYF's Dividend Yield is a higher than the industry average which is at 3.98.
Compared to an average S&P500 Dividend Yield of 2.27, XYF pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.93%

5.2 History

XYF has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
XYF Yearly Dividends per shareXYF Yearly Dividends per shareYearly Dividends per share 2019 2023 2024 0.2 0.4 0.6 0.8

5.3 Sustainability

DPN/A
EPS Next 2YN/A
EPS Next 3YN/A
XYF Yearly Income VS Free CF VS DividendXYF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 0 500M -500M 1B -1B

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X FINANCIAL-ADR

NYSE:XYF (2/24/2025, 2:55:43 PM)

10

-0.59 (-5.57%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-27 2024-11-27/bmo
Earnings (Next)N/A N/A
Inst Owners2.02%
Inst Owner Change-81.06%
Ins Owners0.98%
Ins Owner ChangeN/A
Market Cap474.12M
Analysts45
Price TargetN/A
Short Float %0.09%
Short Ratio0.13
Dividend
Industry RankSector Rank
Dividend Yield 2.93%
Yearly Dividend0
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 2.9
Fwd PE N/A
P/S 0.71
P/FCF N/A
P/OCF N/A
P/B 0.59
P/tB 0.59
EV/EBITDA N/A
EPS(TTM)3.45
EY34.5%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS14
BVpS17
TBVpS16.89
PEG (NY)N/A
PEG (5Y)0.41
Profitability
Industry RankSector Rank
ROA 10.19%
ROE 20.3%
ROCE 15.04%
ROIC 10.68%
ROICexc 12.11%
ROICexgc 12.23%
OM 29.86%
PM (TTM) 24.65%
GM 40.4%
FCFM N/A
ROA(3y)10.21%
ROA(5y)4.5%
ROE(3y)19.38%
ROE(5y)6.66%
ROIC(3y)12.37%
ROIC(5y)N/A
ROICexc(3y)13.69%
ROICexc(5y)N/A
ROICexgc(3y)13.83%
ROICexgc(5y)N/A
ROCE(3y)16.96%
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5Y-21.56%
ROICexc growth 3YN/A
ROICexc growth 5Y-19.24%
OM growth 3YN/A
OM growth 5Y-3.68%
PM growth 3YN/A
PM growth 5Y-0.24%
GM growth 3Y93.91%
GM growth 5Y-9.49%
F-ScoreN/A
Asset Turnover0.41
Health
Industry RankSector Rank
Debt/Equity 0.72
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.39
Quick Ratio 1.39
Altman-Z 1.6
F-ScoreN/A
WACC5.17%
ROIC/WACC2.07
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)56.81%
EPS 3YN/A
EPS 5Y7%
EPS Q2Q%-33.88%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)35.14%
Revenue growth 3Y29.97%
Revenue growth 5Y6.34%
Sales Q2Q%24.81%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y32.82%
EBIT growth 3YN/A
EBIT growth 5Y2.43%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A