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X Financial (XYF)
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XYF
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X Financial (XYF) Ratios

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X Financial Ratios

XYF's free cash flow for Q2 2026 was ¥0.58. For the 2026 fiscal year, XYF's free cash flow was decreased by ¥ and operating cash flow was ¥0.10. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 10.65 2.07 6.73 5.10 9.78
Quick Ratio
 10.65 2.07 6.73 5.10 9.78
Cash Ratio
 7.17 0.17 3.96 3.22 6.45
Solvency Ratio
 0.13 0.21 0.32 0.21 0.20
Operating Cash Flow Ratio
 3.70 0.25 2.05 0.91 0.88
Short-Term Operating Cash Flow Coverage
 3.70 3.58 4.64 1.44 4.60
Net Current Asset Value
¥ -127.17M¥ 5.51B¥ 134.92M¥ -1.21B¥ -489.88M
Leverage Ratios
Debt-to-Assets Ratio
 0.03 0.08 0.03 0.05 <0.01
Debt-to-Equity Ratio
 0.05 0.15 0.05 0.10 0.02
Debt-to-Capital Ratio
 0.05 0.13 0.05 0.09 0.02
Long-Term Debt-to-Capital Ratio
 0.00 0.09 0.00 0.00 0.00
Financial Leverage Ratio
 1.56 1.87 1.70 1.99 1.86
Debt Service Coverage Ratio
 1.40 3.51 1.73 0.63 0.92
Interest Coverage Ratio
 1.35 0.00 1.18 1.07 1.46
Debt to Market Cap
 1.73 4.36 0.66 0.44 0.06
Interest Debt Per Share
 147.81 172.45 236.11 40.58 17.34
Net Debt to EBITDA
 -1.64 0.11 -0.70 -1.57 -1.87
Profitability Margins
Gross Profit Margin
63.60%73.55%66.62%48.76%56.92%
EBIT Margin
26.52%22.99%63.02%44.81%52.51%
EBITDA Margin
26.75%23.14%63.14%44.97%52.79%
Operating Profit Margin
12.86%21.43%31.91%44.81%52.51%
Pretax Profit Margin
13.52%22.99%33.13%44.18%52.00%
Net Profit Margin
10.10%19.17%26.23%36.21%34.95%
Continuous Operations Profit Margin
10.10%19.17%26.23%36.21%34.95%
Net Income Per EBT
74.67%83.39%79.15%81.97%67.21%
EBT Per EBIT
105.15%107.29%103.83%98.59%99.03%
Return on Assets (ROA)
4.64%9.71%13.03%10.19%9.19%
Return on Equity (ROE)
7.19%18.18%22.15%20.30%17.08%
Return on Capital Employed (ROCE)
6.11%18.27%16.92%13.66%14.40%
Return on Invested Capital (ROIC)
4.42%14.55%13.00%10.64%9.60%
Return on Tangible Assets
4.66%9.74%13.07%10.22%9.23%
Earnings Yield
261.96%536.83%310.86%92.37%73.91%
Efficiency Ratios
Receivables Turnover
 4.04 0.88 2.87 1.95 1.94
Payables Turnover
 0.00 0.64 7.60 9.34 5.13
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 227.15 310.94 370.85 379.22 396.36
Asset Turnover
 0.46 0.51 0.50 0.28 0.26
Working Capital Turnover Ratio
 1.15 1.40 1.48 0.95 0.79
Cash Conversion Cycle
 90.32 -151.86 79.22 148.47 117.29
Days of Sales Outstanding
 90.32 415.46 127.27 187.56 188.44
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 567.32 48.05 39.09 71.15
Operating Cycle
 90.32 415.46 127.27 187.56 188.44
Cash Flow Ratios
Operating Cash Flow Per Share
 234.53 216.54 186.97 16.95 6.12
Free Cash Flow Per Share
 231.04 213.31 185.23 16.78 6.00
CapEx Per Share
 3.50 3.23 1.75 0.18 0.11
Free Cash Flow to Operating Cash Flow
 0.99 0.99 0.99 0.99 0.98
Dividend Paid and CapEx Coverage Ratio
 8.31 8.31 11.64 12.17 53.29
Capital Expenditure Coverage Ratio
 67.07 67.07 107.11 96.14 53.29
Operating Cash Flow Coverage Ratio
 3.70 1.26 4.46 1.41 3.96
Operating Cash Flow to Sales Ratio
 0.26 0.20 0.26 0.25 0.14
Free Cash Flow Yield
633.75%544.74%304.65%62.71%28.82%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 0.40 0.19 0.32 1.08 1.35
Price-to-Sales (P/S) Ratio
 0.04 0.04 0.08 0.39 0.47
Price-to-Book (P/B) Ratio
 0.03 0.03 0.07 0.22 0.23
Price-to-Free Cash Flow (P/FCF) Ratio
 0.16 0.18 0.33 1.59 3.47
Price-to-Operating Cash Flow Ratio
 0.15 0.18 0.33 1.58 3.40
Price-to-Earnings Growth (PEG) Ratio
 >-0.01 0.02 0.01 0.02 0.57
Price-to-Fair Value
 0.03 0.03 0.07 0.22 0.23
Enterprise Value Multiple
 -1.49 0.26 -0.57 -0.70 -0.97
Enterprise Value
 -2.22B 446.45M -2.11B -1.04B -1.19B
EV to EBITDA
 -1.49 0.26 -0.57 -0.70 -0.97
EV to Sales
 -0.40 0.06 -0.36 -0.32 -0.51
EV to Free Cash Flow
 -1.53 0.31 -1.40 -1.28 -3.77
EV to Operating Cash Flow
 -1.51 0.30 -1.38 -1.27 -3.70
Tangible Book Value Per Share
 1.23K 1.15K 848.90 121.00 89.43
Shareholders’ Equity Per Share
 1.24K 1.16K 853.39 121.77 90.12
Tax and Other Ratios
Effective Tax Rate
 0.25 0.17 0.21 0.18 0.33
Revenue Per Share
 889.89 1.10K 720.67 68.25 44.05
Net Income Per Share
 89.84 210.21 189.00 24.72 15.40
Tax Burden
 0.75 0.83 0.79 0.82 0.67
Interest Burden
 0.51 1.00 0.53 0.99 0.99
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.13 0.32 0.04 0.05 0.06
Stock-Based Compensation to Revenue
 0.01 <0.01 <0.01 0.01 0.02
Income Quality
 2.61 1.00 0.99 0.69 0.40
Currency in CNY