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About the company
X FINANCIAL is a China-based company principally engaged in the provision of technology-driven personal finance services. The Company’s products primarily include Xiaoying Card Loan and Xiaoying Preferred Loan. The Company is also engaged in the provision of investment opportunities to investors through its wealth management platform, Xiaoying Wealth Management. The Company’s WinSAFE risk control system builds risk profiles of its prospective borrowers upon data from credit information providers.
- Revenue in USD (TTM)921.07m
- Net income in USD228.11m
- Incorporated2015
- Employees563.00
- LocationX Financial7-8F,Block A,Aerospace Science&Tech Plz,SHENZHEN 518067ChinaCHN
- Phone+86 75 586282977
- Websitehttps://ir.xiaoyinggroup.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Loandepot Inc | 1.47bn | -85.97m | 501.46m | 4.90k | -- | 1.91 | -- | 0.342 | -0.4534 | -0.4534 | 6.45 | 0.797 | 0.2326 | -- | -- | 299,253.90 | -2.72 | 3.86 | -6.84 | -- | 81.28 | 87.58 | -11.69 | 11.83 | -- | 0.5364 | 0.9057 | -- | 10.17 | -2.20 | 10.72 | -- | 16.02 | -- |
| Yiren Digital Ltd - ADR | 834.71m | 187.52m | 517.57m | 949.00 | 2.78 | 0.3803 | 2.74 | 0.6201 | 2.15 | 2.15 | 9.58 | 15.75 | 0.4932 | -- | 10.02 | 879,564.50 | 11.08 | 11.66 | 13.27 | 15.11 | 85.38 | 80.06 | 22.46 | 23.02 | -- | -- | 0.00 | -- | 18.59 | -7.93 | -23.94 | 6.49 | -28.16 | -- |
| Lendingtree Inc | 972.18m | -55.10m | 522.86m | 927.00 | -- | 5.04 | -- | 0.5378 | -4.12 | -4.12 | 72.60 | 7.67 | 1.14 | -- | 10.39 | 1,048,737.00 | -6.47 | -5.75 | -7.85 | -6.73 | 96.15 | 94.65 | -5.67 | -6.74 | -- | 1.34 | 0.8264 | -- | 33.86 | -4.04 | 65.93 | -- | -10.95 | -- |
| Green Dot Corporation | 1.83bn | -5.68m | 581.29m | 1.15k | -- | 0.6132 | 7.52 | 0.3175 | -0.1224 | -0.1224 | 33.83 | 17.27 | 0.3314 | -- | 45.95 | 1,591,967.00 | -0.1028 | 0.5128 | -0.5998 | 2.40 | -- | -- | -0.3102 | 1.56 | -- | 3.80 | 0.817 | 0.00 | 14.82 | 9.23 | -497.23 | -- | -1.02 | -- |
| Velocity Financial Inc | 446.13m | 69.20m | 663.42m | 309.00 | 9.38 | 1.14 | 9.41 | 1.49 | 1.94 | 1.94 | 12.36 | 15.92 | 0.0842 | -- | 13.15 | 1,443,790.00 | 1.32 | 1.18 | 1.49 | 1.28 | 89.66 | 92.53 | 15.64 | 14.86 | -- | 1.37 | 0.9027 | 0.00 | 30.65 | 20.81 | 31.18 | 31.34 | 20.29 | -- |
| EZCORP Inc | 1.20bn | 89.55m | 781.20m | 8.00k | 11.94 | 0.9174 | 6.39 | 0.6497 | 1.19 | 1.19 | 14.39 | 15.48 | 0.7205 | 2.67 | 16.26 | 150,307.30 | 5.37 | 1.70 | 6.17 | 1.94 | 58.71 | 58.48 | 7.45 | 2.41 | 3.25 | -- | 0.4221 | 0.00 | 10.73 | 6.52 | 116.04 | 94.33 | -1.64 | -- |
| Nerdwallet Inc | 734.90m | 29.50m | 790.58m | 650.00 | 30.51 | 2.13 | 10.02 | 1.08 | 0.3477 | 0.3477 | 9.29 | 4.99 | 1.60 | -- | 6.45 | 1,130,615.00 | 6.41 | -1.64 | 7.59 | -1.91 | 90.82 | 91.55 | 4.01 | -1.18 | -- | -- | 0.00 | -- | 14.71 | 24.67 | 357.63 | 1.73 | 7.55 | -- |
| X Financial (ADR) | 921.07m | 228.11m | 803.67m | 563.00 | 3.92 | -- | -- | 0.8725 | 4.85 | 4.85 | 19.49 | -- | 0.5449 | -- | 3.29 | 1,636,004.00 | 12.93 | 6.70 | 15.82 | 8.67 | 72.96 | 56.88 | 23.74 | 15.15 | -- | 80.66 | 0.2526 | -- | 21.95 | 13.71 | 29.75 | 14.74 | -1.25 | -- |
| Atlanticus Holdings Corp | 613.26m | 95.44m | 837.99m | 417.00 | 10.72 | 1.57 | 8.40 | 1.37 | 5.17 | 5.17 | 32.42 | 37.93 | 0.2024 | -- | -- | 1,470,645.00 | 3.81 | 5.98 | 4.07 | 6.34 | 51.67 | 63.53 | 18.82 | 24.79 | -- | -- | 0.8131 | 0.00 | 23.95 | 10.83 | 12.52 | 28.14 | 48.23 | -- |
| World Acceptance Corp | 564.84m | 89.74m | 904.52m | 2.84k | 10.42 | 2.08 | 9.06 | 1.60 | 16.35 | 16.35 | 102.57 | 81.78 | 0.5473 | -- | -- | 199,028.00 | 8.70 | 6.16 | 9.93 | 7.11 | 92.27 | 92.84 | 15.89 | 11.55 | -- | -- | 0.5042 | 0.00 | -1.46 | -0.8687 | 16.03 | 26.09 | -32.21 | -- |
| LexinFintech Holdings Ltd - ADR | 1.96bn | 185.46m | 1.15bn | 4.67k | 6.41 | 0.7359 | -- | 0.5864 | 1.07 | 1.07 | 11.35 | 9.29 | 0.6128 | 368.78 | 2.46 | 420,521.40 | 5.79 | 5.48 | 10.65 | 11.56 | 35.89 | 36.50 | 9.45 | 9.84 | 1.85 | 3.59 | 0.3245 | 5.07 | 8.78 | 6.02 | 3.24 | -13.67 | 37.72 | -- |
Data as of Jul 15 2025. Currency figures normalised to X Financial's reporting currency: US Dollar USD
3.08%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| UBS Securities LLCas of 31 Mar 2025 | 166.65k | 0.54% |
| UBS O'Connor LLCas of 31 Mar 2025 | 156.71k | 0.50% |
| AWH Capital LPas of 31 Mar 2025 | 135.08k | 0.43% |
| Acadian Asset Management LLCas of 31 Mar 2025 | 107.27k | 0.34% |
| Morgan Stanley & Co. LLCas of 31 Mar 2025 | 100.22k | 0.32% |
| Renaissance Technologies LLCas of 31 Mar 2025 | 84.18k | 0.27% |
| Marshall Wace LLPas of 31 Mar 2025 | 64.92k | 0.21% |
| Axxion SA (Luxembourg)as of 30 Jun 2025 | 55.00k | 0.18% |
| HHLR Advisors Ltd.as of 31 Mar 2025 | 50.00k | 0.16% |
| Ayalon Mutual Funds Ltd.as of 29 Apr 2025 | 39.15k | 0.13% |
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Data from 31 Mar 2025 - 30 Jun 2025Source: FactSet Research Systems Inc.
