XYF
X Financial·NYSE
--
--(--)
--
--(--)
7.33 / 10
Outperform
X Financial Class A (XYF) displays a fundamentally sound structure, highlighted by strong Income tax / Total profit (%) and Profit-MV factors. However, Asset-MV and Revenue-MV show room for improvement. Overall, the good fundamental status (7.3/10) supports positive consideration for long-term investors.
Analysis Checks(5/10)
Revenue-MV
Value1.14
Score1/3
Weight2.43%
1M Return1.82%
Value1.14
Score1/3
Weight2.43%
1M Return1.82%
Profit-MV
Value4.61
Score2/3
Weight6.05%
1M Return3.72%
Value4.61
Score2/3
Weight6.05%
1M Return3.72%
PB-ROE
Value-1.01
Score0/3
Weight-0.38%
1M Return-0.26%
Value-1.01
Score0/3
Weight-0.38%
1M Return-0.26%
Net profit margin (%)
Value25.11
Score0/3
Weight-3.42%
1M Return-3.70%
Value25.11
Score0/3
Weight-3.42%
1M Return-3.70%
Asset-MV
Value-0.50
Score0/3
Weight3.12%
1M Return2.09%
Value-0.50
Score0/3
Weight3.12%
1M Return2.09%
Days sales outstanding
Value122.75
Score3/3
Weight47.32%
1M Return39.01%
Value122.75
Score3/3
Weight47.32%
1M Return39.01%
Net income-Revenue
Value0.43
Score2/3
Weight6.23%
1M Return3.69%
Value0.43
Score2/3
Weight6.23%
1M Return3.69%
Net cash flow from operating activities (YoY growth rate %)
Value-734.14
Score1/3
Weight-0.39%
1M Return-0.29%
Value-734.14
Score1/3
Weight-0.39%
1M Return-0.29%
Income tax / Total profit (%)
Value17.93
Score3/3
Weight17.24%
1M Return10.45%
Value17.93
Score3/3
Weight17.24%
1M Return10.45%
Cash-MV
Value-0.07
Score3/3
Weight21.79%
1M Return18.75%
Value-0.07
Score3/3
Weight21.79%
1M Return18.75%
Revenue-MV
Value1.14
Score1/3
Weight2.43%
1M Return1.82%
Value1.14
Score1/3
Weight2.43%
1M Return1.82%
Days sales outstanding
Value122.75
Score3/3
Weight47.32%
1M Return39.01%
Value122.75
Score3/3
Weight47.32%
1M Return39.01%
Profit-MV
Value4.61
Score2/3
Weight6.05%
1M Return3.72%
Value4.61
Score2/3
Weight6.05%
1M Return3.72%
Net income-Revenue
Value0.43
Score2/3
Weight6.23%
1M Return3.69%
Value0.43
Score2/3
Weight6.23%
1M Return3.69%
PB-ROE
Value-1.01
Score0/3
Weight-0.38%
1M Return-0.26%
Value-1.01
Score0/3
Weight-0.38%
1M Return-0.26%
Net cash flow from operating activities (YoY growth rate %)
Value-734.14
Score1/3
Weight-0.39%
1M Return-0.29%
Value-734.14
Score1/3
Weight-0.39%
1M Return-0.29%
Net profit margin (%)
Value25.11
Score0/3
Weight-3.42%
1M Return-3.70%
Value25.11
Score0/3
Weight-3.42%
1M Return-3.70%
Income tax / Total profit (%)
Value17.93
Score3/3
Weight17.24%
1M Return10.45%
Value17.93
Score3/3
Weight17.24%
1M Return10.45%
Asset-MV
Value-0.50
Score0/3
Weight3.12%
1M Return2.09%
Value-0.50
Score0/3
Weight3.12%
1M Return2.09%
Cash-MV
Value-0.07
Score3/3
Weight21.79%
1M Return18.75%
Value-0.07
Score3/3
Weight21.79%
1M Return18.75%
Is XYF fundamentally strong?
- XYF scores 7.33/10 on fundamentals and holds a Discounted valuation at present. Backed by its 18.91% ROE, 22.65% net margin, 0.85 P/E ratio, 0.18 P/B ratio, and 44.28% earnings growth, these metrics solidify its Outperform investment rating.
