X Financial (XYF) Fundamental Analysis: Revenue, Earnings & Valuation

7.08 / 10

Outperform

Fundamental rating is Outperform (7.1/10). Profit‑MV, net‑profit growth and Cash‑MV are bullish, while Asset‑MV and operating‑revenue growth lag. Overall metrics point to solid profitability and cash strength despite modest asset efficiency.

Analysis Checks(4/10)

Revenue-MV

Value1.12

Score1/3

Weight1.85%

1M Return1.66%

Days sales outstanding

Value122.75

Score3/3

Weight43.24%

1M Return36.89%

Profit-MV

Value4.55

Score2/3

Weight5.85%

1M Return4.02%

Net income-Revenue

Value0.45

Score0/3

Weight0.33%

1M Return0.26%

PB-ROE

Value-1.02

Score0/3

Weight-0.81%

1M Return-0.61%

Net cash flow from operating activities (YoY growth rate %)

Value-728.12

Score1/3

Weight-1.44%

1M Return-1.14%

Operating revenue (YoY growth rate %)

Value44.74

Score1/3

Weight1.32%

1M Return0.97%

Asset-MV

Value-0.48

Score1/3

Weight2.31%

1M Return1.71%

Net profit attributable to parent company shareholders (YoY growth rate %)

Value21.93

Score3/3

Weight18.71%

1M Return13.22%

Cash-MV

Value-0.09

Score3/3

Weight28.63%

1M Return26.39%

Is XYF fundamentally strong?

XYF scores 7.08/10 on fundamentals and holds a Discounted valuation at present. Backed by its 18.91% ROE, 19.17% net margin, 0.74 P/E ratio, 0.16 P/B ratio, and 17.50% earnings growth, these metrics solidify its Outperform investment rating.