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X Financial Financial Ratios 2025-2011 | XYF
Brief overview of X Financial's valuation multiples
Current figures are compared with the company's own five-year history for 2021–2025.
Market valuation is represented by P/E 2.97x (median 1.48x), P/B 0.56x (median 0.27x), P/CF 2.97x (median 2.37x). On average, this basket is 100.7% above its own five-year medians. The market is pricing in elevated future expectations.
Earnings yield calculated as 1/P/E is about 33.6%, showing current profit per unit of share price.
Capital efficiency is characterized by ROE 18.7%, ROA 10%, ROCE 20.8%. Overall capital returns are high. The business uses resources efficiently and provides strong fundamental support for its valuation.
Banks and insurers require sector-specific reading: the value and return on capital matter more than standard industrial multiples.
Conclusion
X Financial's high quality ratios explain part of the market premium but increase sensitivity to slower growth.
Annual Financial Ratios X Financial
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
P/E |
3.0 | 2.4 | 0.9 | 1.5 | 1.3 | -0.8 | 2.0 | 7.0 | 2.9 | - | - | - | - | - | - |
P/S |
0.6 | 0.6 | 0.2 | 0.3 | 0.3 | 0.6 | 0.5 | 1.8 | 0.6 | - | - | - | - | - | - |
EPS |
6 | 5.3 | 4.1 | 2.6 | 2.5 | -4.1 | 2.5 | 3.1 | 1.3 | -0.5 | - | - | - | - | - |
EV (Enterprise Value) |
10.2 B | 7.56 B | 5.73 B | 4.68 B | 4.43 B | 4.78 B | 4.46 B | 6.22 B | 2.44 B | 799 M | - | - | - | - | - |
EBITDA per Share |
6.73 | 6.51 | 5.09 | 3.86 | 4.01 | -4.42 | 2.63 | 4.48 | 1.94 | - | - | - | - | - | - |
EV/EBITDA |
6.2 | 4.0 | 3.9 | 3.8 | 0.7 | - | - | - | - | - | - | - | - | - | - |
PEG |
-0.11 | -0.03 | -0.01 | -0.02 | - | 0.01 | -0.25 | -1.94 | - | - | - | - | - | - | - |
P/B |
0.6 | 0.5 | 0.2 | 0.3 | 0.3 | 0.4 | 0.4 | 1.8 | 0.6 | - | - | - | - | - | - |
P/CF |
3.0 | 2.4 | 0.8 | 1.9 | 2.4 | -1.6 | 2.6 | 1152.0 | -1.6 | - | - | - | - | - | - |
ROE % |
18.69 | 22.15 | 20.30 | 17.08 | 20.76 | -42.54 | 17.73 | 25.10 | 19.27 | - | - | - | - | - | - |
ROA % |
9.99 | 13.03 | 10.19 | 9.19 | 11.24 | -17.45 | 9.35 | 19.05 | 8.75 | - | - | - | - | - | - |
ROCE % |
20.80 | 26.95 | 25.01 | 25.54 | 32.97 | -46.50 | 18.32 | 35.97 | 28.42 | - | - | - | - | - | - |
Current Ratio |
2.1 | 2.4 | 2.0 | 2.2 | 2.2 | 1.7 | 2.1 | 4.1 | 1.8 | - | - | - | - | - | - |
DSO |
- | - | 0.1 | 0.1 | 0.6 | 4.3 | 2.2 | - | - | - | - | - | - | - | - |
Operating Cycle |
- | - | 0.1 | 0.1 | 0.6 | 4.2 | 2.2 | - | - | - | - | - | - | - | - |
Cash Conversion Cycle |
- | - | 0.1 | 0.1 | 0.6 | 4.2 | 2.2 | - | - | - | - | - | - | - | - |
All numbers in CNY currency
Quarterly Financial Ratios X Financial
| 2025-Q4 | 2024-Q4 | 2023-Q4 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
6 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
EBITDA per Share |
6.73 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
ROE % |
18.69 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
ROA % |
9.99 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
ROCE % |
20.80 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Current Ratio |
2.1 | 2.4 | 2.0 | 2.2 | - | - | - | 2.2 | - | - | - | 1.7 | - | - | - | 2.1 | - | - | - | 4.1 | - | - | - | 1.8 | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in CNY currency
Multiples are an important financial analysis tool for the company X Financial, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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