X Financial financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q4 2024.

Symbol
XYF on NYSE
Location
Shenzhen, China
Fiscal year end
31 December
Latest financial report
25 Apr 2025

Quick Takeaways

  • XYF - X Financial financial facts are built from SEC company filings data.
  • Latest metrics period on this page: Q4 2024.
  • Headline metric summary will appear when SEC facts are available.

What Changed

  • No metrics are currently available for comparison on this facts page.
  • Changes will populate automatically as new 10-Q/10-K periods are processed.

Why This Matters

  • This gives a beginner-friendly first read before you inspect detailed formulas and metric tables.
  • Every metric card links to a deeper SEC-backed history page for verification.

Official SEC Source

Based on latest 10-Q/10-K

Facts and ratios are grounded in SEC company facts linked to the latest 10-Q/10-K cycle.

See Original Filing

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

n/a

Insufficient Data Confidence low

Financial Health

Share Metrics

Metric Latest value YoY change
Common Stock, Shares, Outstanding 250,678,439 -15%
Common Stock, Value, Issued $28,331 -2.7%

Additional Metrics

Metric Latest value YoY change
Cash and Cash Equivalents, at Carrying Value $134,891,210 -20%
Other Assets, Current $750,862 -66%
Deferred Income Tax Assets, Net $27,086,508 +41%
Property, Plant and Equipment, Net $2,169,179 +78%
Operating Lease, Right-of-Use Asset $5,375,823 -25%
Intangible Assets, Net (Excluding Goodwill) $5,013,079 -3.3%
Other Assets, Noncurrent $6,158,325 -21%
Assets $1,619,236,036 -1.3%
Deferred Income Tax Liabilities, Net $9,036,287 +114%
Other Liabilities, Noncurrent $3,769,730 -29%
Liabilities $666,657,756 -18%
Accumulated Other Comprehensive Income (Loss), Net of Tax $11,104,082 +13%
Retained Earnings (Accumulated Deficit) $571,905,688 +51%
Stockholders' Equity Attributable to Parent $952,578,280 +16%
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest $952,578,280 +16%
Liabilities and Equity $1,619,236,036 -1.3%
Common Stock, Shares Authorized 1,000,000,000 0%
Common Stock, Shares, Issued 329,117,943 0%
Common Stock, Par or Stated Value Per Share 0 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $227,644,599 -15%
Deferred Tax Assets, Valuation Allowance $42,182,480 +36%
Deferred Tax Assets, Gross $78,687,659 +19%
Operating Lease, Liability $5,514,127 -22%
Lessee, Operating Lease, Liability, to be Paid $6,162,796 -23%
Property, Plant and Equipment, Gross $8,404,664 +17%
Operating Lease, Liability, Current $1,744,397 -3.6%
Lessee, Operating Lease, Liability, to be Paid, Year Two $1,700,811 -25%
Lessee, Operating Lease, Liability, to be Paid, Year One $2,149,778 -2.6%
Operating Lease, Weighted Average Discount Rate, Percent 0.05 -16%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $648,669 -31%
Lessee, Operating Lease, Liability, to be Paid, Year Three $1,633,991 +21%
Deferred Tax Assets, Operating Loss Carryforwards $5,994,700 -7.5%
Unrecognized Tax Benefits $63,493,223 +27%
Lessee, Operating Lease, Liability, to be Paid, Year Four $678,216 -52%
Additional Paid in Capital $439,361,088 -2.4%
Deferred Tax Assets, Net of Valuation Allowance $36,505,179 +6.6%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY