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X Financial - ADR Key Ratios

Stock Card factsheet share-fund-plan-icon

$5.15

up-down-arrow $-0.27 (-4.98%)

As on 26-Aug-2026 15:31EDT

Market cap

info icon

$208 Mln

Revenue (TTM)

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$6,851 Mln

P/E Ratio

info icon

1.4

P/B Ratio

info icon

0.2

Div. Yield

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10.2 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Revenue -19.24 -39.66 20.74 56.78 91.22
EBIT -- -- -22.71 -90.13 -74.93
Net Profit -33.10 -91.77 52.94 32.10 27.76
EPS -32.60 -90.92 -8.82 46.00 60.08
Book Value -- -- 4,168.56 136.27 83.24
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMDec-25Dec-24
EBIT-Margin info 43.6152.4218.4322.9963.02
Net Margin info ----15.23----
Return on equity info 21.9121.5513.3219.2724.06
Return on Capital info 20.3418.44--17.4822.45
Return on Assets info 11.8211.326.7810.7613.12
Debt to Equity (x) info ----0.000.150.05

Profitability

View Detailed Peer Comparison

ROCE

--

--

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
X Financial - ADR
--
17.48
22.45
21.08
15.52
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

13.32

Higher than Peers by 2.81

Profit after tax / Average Net worth * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
X Financial - ADR
13.32
19.27
24.06
22.39
18.60
Peer Median
10.51
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

6.78

Higher than Peers by 5.35

Profit after tax / Average Total assets * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
X Financial - ADR
6.78
10.76
13.12
11.59
10.04
Peer Median
1.43
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Margin

18.43

Higher than Peers by 0.88

Operating profit (EBIT) / Net Sales * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
X Financial - ADR
18.43
22.99
63.02
44.81
52.51
Peer Median
17.55
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Margin

15.23

Higher than Peers by 6.10

Net profit / Total Income (Net sales plus other income) * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
X Financial - ADR
15.23
19.17
26.23
36.21
34.95
Peer Median
9.13
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

20.74

Higher than Peers by 2.05

Year on year growth in net sales

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
X Financial - ADR
20.74
0.27
0.79
0.41
0.54
Peer Median
18.69
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Growth

-22.71

Lower than Peers by 48.82

Year on year growth in operating profit (EBIT)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
X Financial - ADR
-22.71
-53.83
151.97
20.39
2.44
Peer Median
26.11
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Profit Growth

52.94

Higher than Peers by 38.73

Year on year growth in profit after tax

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
X Financial - ADR
52.94
-7.48
29.75
46.16
-1.62
Peer Median
14.22
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EPS Growth

-8.82

Lower than Peers by 22.67

Year on year growth in earnings per share

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
X Financial - ADR
-8.82
34.04
-0.96
8.38
0.05
Peer Median
13.85
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Book Value Growth

14.80

Higher than Peers by 7.95

Year on year growth in book value per share

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
X Financial - ADR
14.80
--
--
--
--
Peer Median
6.86
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Solvency

View Detailed Peer Comparison

Debt to Equity

--

--

Total debt / Net worth

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
X Financial - ADR
--
0.15
0.05
0.10
0.02
Peer Median
1.59
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Short term debt to equity ratio

0.05

--

(Short term borrowings / Net worth)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
X Financial - ADR
0.05
0.05
0.05
0.10
0.01
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Current Ratio

17.74

Higher than Peers by 15.42

Current Assets / Current Liabilities and Provisions

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
X Financial - ADR
17.74
2.07
6.73
5.10
9.78
Peer Median
2.32
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Quick Ratio

17.74

Higher than Peers by 15.67

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
X Financial - ADR
17.74
--
--
5.13
26.60
Peer Median
2.07
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Interest Coverage

1.99

Higher than Peers by 0.29

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
X Financial - ADR
1.99
507.38
2.34
1.07
1.46
Peer Median
1.70
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Operating Efficiency

View Detailed Peer Comparison

Debtors to sales

99.51

Higher than Peers by 81.84

Debtors outstanding / Net Sales * 100

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
X Financial - ADR
99.51
113.83
34.87
51.39
51.63
Peer Median
17.66
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Asset Turnover

0.45

Higher than Peers by 0.30

Sales / Average Total Assets

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
X Financial - ADR
0.45
0.56
0.50
0.32
0.29
Peer Median
0.14
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Receivable days

--

--

Average Debtors / Sales * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
X Financial - ADR
--
258.19
116.06
160.68
153.04
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Inventory Days

--

--

Average Inventory / Sales * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
X Financial - ADR
--
--
-4.59
-675.36
-2,042.92
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Payable days

--

--

Average Creditors / Cost of goods sold * 365

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
X Financial - ADR
--
307.83
40.80
40.78
50.76
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Conversion Cycle

--

--

Receivable Days + Inventory Days - Payable Days

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
X Financial - ADR
--
--
70.67
-555.45
-1,940.64
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Valuation

View Detailed Peer Comparison

Price / Earnings

1.45

Lower than Peers by 13.35

Current share price divided by earning per share in the last twelve months

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
X Financial - ADR
1.45
0.03
1.36
0.03
0.20
Peer Median
14.80
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Price / Book Value

0.18

Lower than Peers by 1.84

Current share price divided by book value per share in the latest financial year

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
X Financial - ADR
0.18
0.00
0.30
0.01
0.03
Peer Median
2.03
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Dividend Yield

10.19

Higher than Peers by 9.15

Dividend per share in the past twelve months divided by current share price

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
X Financial - ADR
10.19
--
--
--
--
Peer Median
1.04
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EV/EBITDA

0.64

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
X Financial - ADR
0.64
-0.60
-0.14
-0.40
-1.74
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Market Cap

208

Lower than Peers by 383

Current Share price multiplied by latest total number of shares outstanding

Company Name
TTM
Dec-25
Dec-24
Dec-23
Dec-22
X Financial - ADR
208
--
--
--
--
Peer Median
591
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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