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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)499.90m
- Net income in USD113.93m
- Incorporated--
- Employees461.00
- LocationX Financial7-8F,Block A,Aerospace Science&Tech Plz,SHENZHEN 518067ChinaCHN
- Phone+86 75 586282977
- Websitehttps://www.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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| California First Leasing Corp | -100.00bn | -100.00bn | 144.22m | 98.00 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 2.30 | -- | 3.56 | -- | -- | -- | 52.53 | -- | -- | -- | 69.44 | -137.65 | -- | -134.95 | -- | -- | 4.01 |
| Sachem Capital Corp | 56.68m | 17.99m | 149.68m | 31.00 | 7.51 | 0.6516 | 8.26 | 2.64 | 0.454 | 0.454 | 1.43 | 5.23 | 0.1051 | -- | 10.66 | 1,828,465.00 | 4.02 | 4.81 | 4.29 | 5.43 | 56.71 | 66.21 | 38.24 | 45.56 | -- | -- | 0.6045 | 122.27 | 71.82 | 49.89 | 50.21 | 28.79 | 20.77 | 37.18 |
| Rego Payment Architectures Inc | 680.00 | -20.74m | 169.97m | 4.00 | -- | -- | -- | 249,953.00 | -0.1655 | -0.1655 | 0.00001 | -0.2274 | 0.0002 | -- | -- | 170.00 | -450.89 | -791.14 | -- | -- | -- | -- | -2,863,810.00 | -60,521.93 | -- | -18.02 | -- | -- | -21.29 | -- | -49.62 | -- | 4.05 | -- |
| Angel Oak Mortgage REIT Inc | 42.38m | -143.77m | 183.11m | 300.00 | -- | 0.7507 | -- | 4.32 | -5.87 | -5.87 | 1.72 | 9.80 | 0.0146 | -- | 2.03 | 105,950.00 | -4.96 | -- | -6.98 | -- | 95.28 | -- | -339.22 | -- | -- | 0.0856 | 0.8857 | -- | 7.01 | -- | -990.35 | -- | -- | -- |
| Security National Financial Corp | 382.48m | 23.70m | 188.88m | 1.42k | 8.07 | 0.6152 | 7.22 | 0.4938 | 1.08 | 1.08 | 17.69 | 14.11 | 0.2582 | -- | -- | 268,973.10 | 1.60 | 2.29 | -- | -- | -- | -- | 6.20 | 8.02 | -- | 4.27 | 0.3178 | 0.00 | -15.53 | 7.89 | -34.99 | 37.97 | 11.93 | -- |
| Oportun Financial Corp | 440.45m | -225.50m | 195.70m | 1.41k | -- | 0.429 | -- | 0.4443 | -6.74 | -6.74 | 13.24 | 13.46 | 0.1356 | -- | 16.14 | 146,816.00 | -6.94 | 0.982 | -7.20 | 1.03 | -- | -- | -51.20 | 4.59 | -- | -- | 0.8655 | -- | 20.77 | 14.57 | -263.97 | -- | 35.49 | -- |
| X Financial | 499.90m | 113.93m | 196.36m | 461.00 | 1.88 | 0.194 | -- | 0.3928 | 2.17 | 2.17 | 9.30 | 21.03 | 0.4404 | -- | 3.73 | 1,084,386.00 | 10.31 | 5.82 | 12.28 | 8.33 | 40.31 | 43.90 | 23.41 | 12.41 | -- | -- | 0.3621 | -- | -1.75 | 14.80 | -1.62 | 19.00 | -21.75 | -- |
| CNFinance Holdings Ltd - ADR | 260.25m | 18.99m | 202.32m | 930.00 | 12.59 | 0.3711 | -- | 0.7774 | 0.2343 | 0.2343 | 3.03 | 7.95 | 0.1285 | -- | -- | 279,835.70 | 0.9377 | 2.27 | 0.9594 | 2.59 | 40.39 | 45.68 | 7.30 | 13.51 | -- | -- | 0.6657 | -- | 32.67 | -11.53 | 107.57 | -23.97 | 35.38 | -- |
| CoreCard Corp | 60.24m | 6.47m | 217.33m | 1.20k | 33.89 | 4.02 | 17.16 | 3.61 | 0.7542 | 0.7542 | 7.04 | 6.35 | 0.8973 | -- | 3.73 | 50,197.50 | 9.63 | 20.89 | 11.68 | 24.65 | 43.11 | 57.44 | 10.74 | 23.19 | -- | 0.034 | 0.00 | -- | 44.60 | 50.03 | 53.57 | -- | 57.76 | -- |
| SWK Holdings Corp | 39.76m | 14.65m | 224.52m | 23.00 | 15.39 | 0.8193 | 13.06 | 5.65 | 1.14 | 1.14 | 3.09 | 21.39 | 0.1356 | -- | 12.58 | 1,893,524.00 | 4.99 | 5.83 | 5.14 | 5.97 | -- | -- | 36.84 | 39.06 | -- | 2.53 | 0.0368 | 0.00 | -26.13 | 2.05 | -47.97 | -25.53 | -- | -- |
| Ocwen Financial Corp | 984.14m | -72.68m | 232.04m | 4.90k | -- | 0.5573 | -- | 0.2358 | -10.57 | -10.56 | 118.00 | 54.50 | 0.079 | -- | 6.19 | 200,844.30 | -0.5832 | -0.5349 | -0.5961 | -0.5494 | 93.25 | 78.02 | -7.39 | -5.50 | -- | 2.14 | 0.9652 | -- | -9.16 | -4.40 | 369.98 | -- | 80.44 | -- |
| Lesaka Technologies Inc | 516.61m | -38.31m | 236.01m | 2.66k | -- | 1.21 | -- | 0.4568 | -0.6349 | -0.6349 | 8.54 | 3.15 | 0.9838 | 15.04 | 17.58 | 194,434.00 | -6.33 | -10.09 | -7.95 | -14.57 | 19.64 | 34.29 | -6.43 | -34.50 | 1.33 | -0.8802 | 0.5054 | -- | 70.21 | -18.26 | -16.00 | -- | -16.45 | -- |
| Bit Digital Inc | 32.30m | -105.30m | 236.05m | 18.00 | -- | 2.92 | -- | 7.31 | -1.30 | -1.30 | 0.41 | 1.09 | 0.2357 | -- | -- | 1,794,256.00 | -76.83 | -37.82 | -80.50 | -39.58 | 36.91 | 56.36 | -326.03 | -72.70 | -- | -- | 0.00 | -- | -66.39 | 35.95 | -10,325.92 | -- | 230.43 | -- |
| Consumer Portfolio Services, Inc. | 325.56m | 78.69m | 249.33m | 779.00 | 3.99 | 1.01 | 3.11 | 0.7659 | 3.01 | 3.01 | 12.58 | 11.85 | 0.1273 | -- | 3.31 | 411,060.60 | 3.08 | 1.47 | 3.15 | 1.50 | 68.09 | 70.66 | 24.17 | 10.81 | -- | -- | 0.9126 | 0.00 | 15.50 | -6.26 | 80.93 | 35.42 | 26.29 | -- |
| Agribank FCB | 3.88bn | 816.67m | 249.38m | 121.00 | 111.47 | 12.89 | 0.3052 | 0.2499 | 0.8948 | 0.8948 | 1.03 | 8.01 | -- | -- | -- | -- | 0.5375 | 0.5524 | -- | -- | -- | -- | 81.82 | 80.93 | -- | -- | -- | 74.90 | 58.03 | 8.28 | 3.33 | 8.52 | -- | -- |
| AFC Gamma Inc | 74.55m | 35.80m | 250.59m | 0.00 | 6.90 | 0.7429 | 7.00 | 3.36 | 1.78 | 1.78 | 3.69 | 16.49 | 0.1653 | -- | -- | -- | 7.94 | -- | 8.33 | -- | 79.05 | -- | 48.01 | -- | -- | 9.92 | 0.2058 | -- | 100.55 | -- | 71.10 | -- | -- | -- |
Data as of Jun 09 2023. Currency figures normalised to X Financial's reporting currency: US Dollar USD
2.13%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| AWH Capital LPas of 31 Mar 2023 | 332.11k | 1.03% |
| Renaissance Technologies LLCas of 31 Mar 2023 | 105.68k | 0.33% |
| Greenwoods Investments SG Pte Ltd.as of 31 Dec 2022 | 70.20k | 0.22% |
| Goldman Sachs & Co. LLC (Private Banking)as of 31 Mar 2023 | 65.60k | 0.20% |
| Alpha Wave Global LPas of 31 Mar 2023 | 65.39k | 0.20% |
| G1 Execution Services LLCas of 31 Mar 2023 | 31.64k | 0.10% |
| Citadel Securities LLCas of 31 Mar 2023 | 11.32k | 0.04% |
| Morgan Stanley & Co. LLCas of 31 Mar 2023 | 6.27k | 0.02% |
| Larson Financial Group LLCas of 31 Mar 2023 | 400.00 | 0.00% |
| UBS Securities LLCas of 31 Mar 2023 | 338.00 | 0.00% |
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Data from 31 Dec 2022 - 31 Mar 2023Source: FactSet Research Systems Inc.
