X Financial Class A is a credit services business based in the US. X Financial Class A shares (XYF) are listed on the NYSE and all prices are listed in US Dollars. X Financial Class A employs 424 staff and has a trailing 12-month revenue of around $3.4 billion.
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| Latest market close | $3.90 |
|---|---|
| 52-week range | $1.62 - $4.20 |
| 50-day moving average | $2.81 |
| 200-day moving average | $2.60 |
| Wall St. target price | $1.70 |
| PE ratio | 2.0374 |
| Dividend yield | $0 (10.53%) |
| Earnings per share (TTM) | $1.87 |
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Historical closes compared with the close of $3.9 from 2023-01-27
| 1 week (2023-01-20) | 3.45% |
|---|---|
| 1 month (2022-12-27) | 29.14% |
| 3 months (2022-10-26) | 106.35% |
| 6 months (2022-07-29) | 39.53% |
| 1 year (2022-01-28) | 43.38% |
|---|---|
| 2 years (2021-01-29) | 84.83% |
| 3 years (2020-01-30) | 212.00% |
| 5 years (2018-01-26) | N/A |
Valuing X Financial Class A stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of X Financial Class A's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.
X Financial Class A's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 2x. In other words, X Financial Class A shares trade at around 2x recent earnings.
That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.
X Financial Class A's EBITDA (earnings before interest, taxes, depreciation and amortisation) is $1.1 billion.
The EBITDA is a measure of a X Financial Class A's overall financial performance and is widely used to measure a its profitability.
| Revenue TTM | $3.4 billion |
|---|---|
| Operating margin TTM | 32.27% |
| Gross profit TTM | $1.6 billion |
| Return on assets TTM | 8.71% |
| Return on equity TTM | 16.35% |
| Profit margin | 19.91% |
| Book value | $84.48 |
| Market capitalisation | $185.2 million |
TTM: trailing 12 months
We're not expecting X Financial Class A to pay a dividend over the next 12 months.
X Financial Class A's shares were split on a 1:3 basis on 18 November 2020. So if you had owned 3 shares the day before before the split, the next day you'd have owned 1 share. This wouldn't directly have changed the overall worth of your X Financial Class A shares – just the quantity. However, indirectly, the new 200% higher share price could have impacted the market appetite for X Financial Class A shares which in turn could have impacted X Financial Class A's share price.
Over the last 12 months, X Financial Class A's shares have ranged in value from as little as $1.62 up to $4.2. A popular way to gauge a stock's volatility is its "beta".
Beta is a measure of a share's volatility in relation to the market. The market (NYSE average) beta is 1, while X Financial Class A's is 0.4286. This would suggest that X Financial Class A's shares are less volatile than average (for this exchange).
X Financial provides personal finance services in the People's Republic of China. The company offers services as an online marketplace connecting borrowers and investors. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners, as well as Xiaoying revolving loan. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as loans, money market, and insurance products; and loan facilitation services to other platforms. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China. .
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