X Financial - ADR Financials

$5.22

$-0.20 (-3.69%)

As on 26-Aug-2026 16:00EDT

Market cap

$208 Mln

Revenue (TTM)

$6,851 Mln

P/E Ratio

1.4

P/B Ratio

0.2

Div. Yield

10.2 %

Annual
Quarterly

Income Statement ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Operating Revenue	6,850.69	7,431.29	5,871.78	3,277.33	2,323.22	1,511.93
Cost of Revenue	2,121.27	1,965.50	1,959.80	1,679.16	1,000.82	144.95
Gross Profit	4,729.42	5,465.79	3,911.98	1,598.17	1,322.41	1,366.98
Operating Expenses	3,542.29	3,873.58	2,038.21	129.59	102.51	176.18
Operating Profit (EBIT)	1,187.13	1,592.22	1,873.77	1,468.58	1,219.90	1,190.80
Other Income	--	--	--	--	--	--
Profit before Tax	1,290.46	1,708.36	1,945.61	1,447.92	1,208.07	1,190.80
Provision for Tax	247.11	283.70	405.70	261.13	396.07	368.74
Profit after Tax (Net Income)	1,043.35	1,424.65	1,539.91	1,186.79	812.00	825.41
Minority Interest	--	--	--	--	0.00	0.00
Consolidated Profit	1,006.42	1,464.55	1,539.91	1,186.79	812.00	825.41

Liabilities ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Shareholder's Funds	7,739.54	7,836.80	6,953.15	5,847.12	4,753.25	3,976.90
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	5,463.57	879.07	4,123.53	4,903.68	3,716.77	12.33
Current Liabilities	352.55	5,949.87	742.60	899.22	367.64	249.58
Total Liabilities	13,908.21	14,665.74	11,819.29	11,650.02	8,837.66	7,342.74

Assets ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Non-Current Assets	7,301.62	2,330.40	6,818.23	7,059.64	5,243.13	685.89
Current Assets	6,254.04	12,335.34	5,001.06	4,590.39	3,594.53	2,915.49
Total Assets	14,283.34	14,665.74	11,819.29	11,650.02	8,837.66	7,342.74
Total Debt*	352.55	1,168.69	341.23	577.85	81.51	1,653.88
Net Current Assets	5,526.36	6,385.47	5,939.36	4,651.21	4,037.71	3,563.35

Cashflow ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Cash From Operating Activities	--	1,467.54	1,523.39	814.14	322.70	449.17
Cash Flow from Investing Activities	--	-1,066.29	122.03	-1,106.33	-913.39	-2,347.59
Cash from Financing Activities	--	79.24	-1,935.18	1,227.46	576.35	1,301.31
Net Cash Inflow / Outflow	--	--	--	--	--	--

Financials Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Adjusted EPS ($)	146.62	215.24	6.14	143.90	15.33	14.63
Cash EPS ($)	--	216.92	6.17	144.54	15.46	14.77
Adjusted Book Value ($)	--	1,183.99	27.74	708.99	89.77	70.49
Dividend per Share ($)	--	--	--	--	--	--
Cash Flow per Share ($)	--	221.72	6.08	98.72	6.09	7.96
Free Cash Flow per Share ($)	--	218.41	6.02	97.69	5.98	7.92

Profitability Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
ROCE (%)	--	17.48	22.45	21.08	15.52	15.66
ROE (%)	13.32	19.27	24.06	22.39	18.60	23.41
ROA (%)	6.78	10.76	13.12	11.59	10.04	11.10
EBIT Margin (%)	18.43	22.99	63.02	44.81	52.51	78.76
Net Margin (%)	15.23	19.17	26.23	36.21	34.95	54.59
Cash Profit Margin (%)	--	--	--	--	--	--

Growth Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Revenue Growth (%)	20.74	0.27	0.79	0.41	0.54	25.58
EBIT Growth (%)	-22.71	-53.83	151.97	20.39	2.44	174.35
Net Profit Growth (%)	52.94	-7.48	29.75	46.16	-1.62	163.08
EPS Growth (%)	-8.82	34.04	-0.96	8.38	0.05	1.60
Book Value Growth (%)	14.80	--	--	--	--	--

Valuation Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Price / Earnings	1.45	0.03	1.36	0.03	0.20	0.21
Price / Book Value	0.18	0.00	0.30	0.01	0.03	0.04
Dividend Yield (%)	10.19	--	--	--	--	--
EV/EBITDA	0.64	-0.60	-0.14	-0.40	-1.74	-0.29
Close Price ($)	4.12	5.60	8.33	3.66	3.02	3.01
High Price ($)	20.36	20.36	8.50	5.00	3.45	17.88
Low Price ($)	3.30	5.44	3.48	2.65	1.62	1.90
Market Cap ($ Cr)	207.60	--	--	--	--	--

Solvency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Debt to Equity	--	0.15	0.05	0.10	0.02	0.42
Short term debt to equity ratio	0.05	0.05	0.05	0.10	0.01	0.04
Current Ratio	17.74	2.07	6.73	5.10	9.78	11.68
Quick Ratio	17.74	--	--	5.13	26.60	31.76
Interest Coverage	1.99	507.38	2.34	1.07	1.46	0.06

Operating Efficiency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Debtors to sales (%)	99.51	113.83	34.87	51.39	51.63	49.44
Asset Turnover	0.45	0.56	0.50	0.32	0.29	0.20
Receivable days	--	258.19	116.06	160.68	153.04	140.21
Inventory Days	--	--	-4.59	-675.36	-2,042.92	-13,015.25
Payable days	--	307.83	40.80	40.78	50.76	264.19
Cash Conversion Cycle	--	--	70.67	-555.45	-1,940.64	-13,139.23

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.