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X Financial Book Value | XYF
Book value is a financial metric that reflects the value of a company's assets minus its liabilities as of a specific date, according to accounting records. In simple terms, it is the amount that would remain for the owners of the company if all assets were sold and all debts paid off.What is included in book value
- Assets — all company resources: real estate, equipment, inventory, cash, accounts receivable, and others.
- Liabilities — all debts and financial obligations: loans, accounts payable, taxes, and other obligations.
- Assessment of the company's "real" value
Book value shows how much the company is worth according to accounting data, that is, the value of its property taking debts into account. - Comparison with market capitalization
Comparing book value and the market price of shares helps to understand whether the company is overvalued or undervalued by the market. - Indicator of financial stability
If the book value is high, it indicates the company has significant assets, which reduces risks for investors. - Key component for financial ratios
Many metrics, such as the price-to-book ratio (P/B), use book value to analyze the attractiveness of shares.
Annual Book Value X Financial
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 7.84 B | 6.95 B | 5.85 B | 4.75 B | 3.98 B | 3.08 B | 4.37 B | 3.52 B | 1.77 B | 377 M | - | - | - | - | - |
All numbers in CNY currency
Indicator range from annual reports
| Maximum | Minimum | Average |
|---|---|---|
| 7.84 B | 377 M | 4.25 B |
Quarterly Book Value 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 7.84 B | 6.95 B | 5.85 B | 4.75 B | - | - | - | 3.98 B | - | - | - | 3.08 B | - | - | - | 4.37 B | - | - | - | 3.52 B | - | - | - | 1.77 B | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
All numbers in CNY currency
Indicator range from quarterly reporting
| Maximum | Minimum | Average |
|---|---|---|
| 7.84 B | 1.77 B | 4.68 B |
Book Value of other stocks in the Payment services industry
| Issuer | Book Value | Price | % 24h | Market Cap | Country | |
|---|---|---|---|---|---|---|
 |
Pintec Technology Holdings Limited
PT
|
-395 M | - | - | $ 671 M |  China |
 |
Jianpu Technology
JT
|
294 M | - | 7.78 % | $ 331 M | - |
 |
Qiwi plc
QIWI
|
122 B | - | - | - |  Cyprus |
 |
Elevate Credit
ELVT
|
109 M | - | - | $ 58.8 M |  USA |
 |
American Express Company
AXP
|
33.5 B | $ 326.17 | -4.28 % | $ 227 B | USA |
 |
CURO Group Holdings Corp.
CURO
|
-54.1 M | - | -6.4 % | $ 7.82 M | USA |
 |
Regional Management Corp.
RM
|
373 M | $ 41.65 | 1.31 % | $ 393 M | USA |
 |
Alliance Data Systems Corporation
ADS
|
604 M | - | -1.74 % | $ 2.84 B | USA |
 |
Xiaobai Maimai Inc.
HX
|
3.51 B | - | -10.24 % | $ 37.1 M | China |
 |
Dragon Victory International Limited
LYL
|
36.6 M | - | -2.89 % | $ 13.5 M | China |
 |
Marlin Business Services Corp.
MRLN
|
44 M | - | -0.17 % | $ 276 M | USA |
 |
Owl Rock Capital Corporation
ORCC
|
768 M | - | -0.15 % | $ 5.25 B | USA |
 |
Santander Consumer USA Holdings Inc.
SC
|
-5.31 B | - | 1.44 % | $ 13 B | USA |
 |
FlexShopper
FPAY
|
29.2 M | - | 2.7 % | $ 4.12 M | USA |
 |
World Acceptance Corporation
WRLD
|
351 M | $ 204.67 | 13.03 % | $ 1.01 B | USA |
 |
Discover Financial Services
DFS
|
17.9 B | - | -0.21 % | $ 50.2 B | USA |
 |
Nicholas Financial
NICK
|
67 M | - | -0.16 % | $ 45.1 M | USA |
 |
LendingClub Corporation
LC
|
1.5 B | - | - | $ 2.2 B | USA |
 |
Consumer Portfolio Services
CPSS
|
310 M | $ 9.45 | 0.21 % | $ 207 M | USA |
 |
MoneyGram International
MGI
|
-146 M | - | - | $ 1.07 B | USA |
 |
Qudian
QD
|
11.6 B | - | - | $ 634 M | China |
 |
Nelnet
NNI
|
3.58 B | $ 133.36 | 1.34 % | $ 4.85 B | USA |
 |
FirstCash
FCFS
|
2.28 B | $ 195.06 | -1.19 % | $ 8.64 B | USA |
 |
Federal Agricultural Mortgage Corporation
AGM
|
1.72 B | $ 209.51 | 1.97 % | $ 2.29 B | USA |
 |
Atlanticus Holdings Corporation
ATLC
|
644 M | $ 99.48 | 4.04 % | $ 1.5 B | USA |
 |
Senmiao Technology Limited
AIHS
|
-2.52 M | $ 1.33 | -6.99 % | $ 3.56 M | China |
 |
Barings BDC, Inc.
BBDC
|
136 B | $ 8.23 | 0.43 % | $ 395 M | USA |
 |
Security National Financial Corporation
SNFCA
|
410 M | $ 9.48 | 1.61 % | $ 234 M | USA |
 |
Credit Acceptance Corporation
CACC
|
1.52 B | $ 574.08 | -3.12 % | $ 6.57 B | USA |
 |
EZCORP
EZPW
|
1.03 B | $ 29.54 | -2.06 % | $ 1.7 B | USA |
 |
Goldman Sachs BDC, Inc.
GSBD
|
617 M | $ 8.66 | 0.58 % | $ 350 M | USA |
 |
Ally Financial
ALLY
|
15.5 B | $ 42.92 | -2.39 % | $ 13.3 B | USA |
 |
Capital One Financial Corporation
COF
|
114 B | $ 202.84 | 1.45 % | $ 110 B | USA |
 |
360 DigiTech
QFIN
|
24.2 B | $ 13.19 | 0.46 % | $ 3.52 B | China |
 |
Green Dot Corporation
GDOT
|
890 M | $ 13.28 | 1.37 % | $ 732 M | USA |
 |
Enova International
ENVA
|
1.34 B | $ 237.27 | 8.94 % | $ 5.97 B | USA |
 |
Dunxin Financial Holdings Limited
DXF
|
28 M | $ 0.48 | -7.11 % | $ 6.12 B | China |
 |
FinVolution Group
FINV
|
16.8 B | $ 4.75 | 0.64 % | $ 5.98 B | USA |
 |
ORIX Corporation
IX
|
4.62 T | $ 40.31 | 0.52 % | $ 45 B |  Japan |
 |
Navient Corporation
NAVI
|
2.64 B | $ 8.23 | -2.49 % | $ 897 M | USA |
 |
OneMain Holdings
OMF
|
3.4 B | $ 59.74 | 1.63 % | $ 7.09 B | USA |
 |
Mastercard Inc.
MA
|
7.75 B | $ 539.66 | 1.77 % | $ 488 B | USA |
 |
LexinFintech Holdings Ltd.
LX
|
12 B | $ 1.48 | 1.37 % | $ 502 M | China |
 |
Medallion Financial Corp.
MFIN
|
508 M | $ 9.77 | 2.2 % | $ 223 M | USA |
 |
Oaktree Specialty Lending Corporation
OCSL
|
477 M | $ 11.68 | 0.52 % | $ 1.65 B | USA |
 |
PRA Group
PRAA
|
1.04 B | $ 16.98 | 5.14 % | $ 665 M | USA |
 |
Synchrony Financial
SYF
|
16.8 B | $ 72.9 | 1.56 % | $ 27 B | USA |
 |
Lufax Holding Ltd
LU
|
83.6 B | $ 1.38 | 2.22 % | $ 1.93 B | China |
 |
Upstart Holdings
UPST
|
799 M | $ 26.93 | -2.39 % | $ 2.59 B | USA |
 |
Visa
V
|
37.9 B | $ 355.74 | 1.18 % | $ 670 B | USA |