Saturday 17 October 2026
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X Financial Sponsored ADR
X Financial Sponsored ADR’s revenue for fiscal 2025 (year ended December 2025) was $1.1 billion, up 35.8% from fiscal 2024. In the quarter to June 2026, revenue fell 53.9%, EPS fell 89.2%, free cash flow grew 194.9% and total debt rose 4.19%, each against the same quarter a year earlier. Dividend growth for three consecutive years, revenue growth for three, operating cash flow growth for three.
4.99
0.13
−2.54%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
7 | 7 | 7 | 5 | 7 | 2 | 3 | 7 | — | — |
P/E ratio |
1.09 | 1.88 | 1.09 | 1.34 | 1.28 | 0.00 | 2.37 | 21.35 | 359.10 | 359.10 |
P/S ratio |
0.21 | 0.50 | 0.27 | 0.30 | 0.29 | 0.32 | 0.60 | 0.00 | 0.00 | 0.00 |
P/FCF ratio |
0.40 | 0.92 | 1.45 | 1.65 | 2.08 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
P/Operating CF |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
P/B ratio |
0.20 | 0.42 | 0.22 | 0.23 | 0.26 | 0.23 | 0.42 | 1.30 | 0.00 | 0.00 |
Price to Tangible BV |
0.20 | 0.42 | 0.22 | 0.23 | 0.27 | 0.23 | 0.43 | 1.31 | 0.00 | 0.00 |
EV/Sales |
(0.02) | 0.27 | (0.02) | 0.04 | 0.06 | (0.39) | (0.12) | 0.00 | 0.00 | 0.00 |
EV/EBITDA |
0.00 | 0.85 | 0.00 | 0.14 | 0.16 | 0.60 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
(0.03) | 0.50 | (0.10) | 0.21 | 0.40 | 1.64 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/FCF |
(0.03) | 0.50 | (0.11) | 0.22 | 0.43 | 1.51 | 0.00 | 0.00 | 0.00 | 0.00 |
Quick Ratio |
0.78 | 0.76 | 0.63 | 0.54 | 0.52 | 0.53 | 0.78 | 2.71 | 0.85 | 0.00 |
Current Ratio |
1.88 | 2.21 | 1.81 | 1.99 | 1.98 | 1.61 | 1.93 | 3.72 | 1.70 | — |
Net Debt/EBITDA |
(1.05) | (0.71) | (0.96) | (0.86) | (0.63) | 1.09 | (2.69) | (1.12) | (1.23) | 0.00 |
Debt/Assets |
2.79% | 2.78% | 4.85% | 0.79% | 2.27% | 4.68% | 0.25% | 4.27% | 1.53% | 4.96% |
Debt/Equity |
0.05 | 0.05 | 0.10 | 0.01 | 0.04 | 0.11 | 0.00 | 0.06 | 0.03 | 0.22 |
Asset Turnover |
0.59 | 0.49 | 0.46 | 0.42 | 0.49 | 0.29 | 0.48 | 0.82 | 0.65 | 0.08 |
Operating CF/Net income |
1.00 | 0.99 | 0.69 | 0.40 | 0.54 | 0.52 | 0.78 | 0.01 | (1.81) | (0.69) |
Capex/Depreciation |
(1.96) | (1.96) | (1.61) | (0.91) | (0.29) | (0.44) | (1.32) | (4.01) | (3.85) | — |
Interest Coverage |
86.46 | — | — | 42.86 | 67.32 | (69.65) | 41.60 | 290.48 | 99.83 | 0.00 |
| 20.20% | 23.76% | 22.10% | 17.93% | 23.65% | (36.50%) | 19.53% | 33.00% | 32.06% | (11.08%) | |
| 11.27% | 12.94% | 11.44% | 9.68% | 11.26% | (17.15%) | 11.93% | 20.36% | 12.40% | (4.29%) | |
ROIC |
16.67% | 20.84% | 20.11% | 17.72% | 26.10% | (58.65%) | 23.65% | 38.32% | 27.48% | 0.00% |
Return on Tangible Assets |
24.33% | 26.15% | 25.35% | 20.29% | 25.18% | (48.98%) | 21.30% | 28.79% | 22.56% | (1,799.85%) |
Average Days of Receivables |
150.31 | 126.16 | 125.81 | 119.03 | 75.23 | 68.79 | 91.15 | 144.25 | 226.92 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
31.44% | 29.95% | 4.13% | 5.25% | 5.75% | 9.80% | 10.71% | 12.02% | 9.78% | 0.00% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 | 0.01 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
0.80% | 0.68% | 0.88% | 1.50% | 2.44% | 3.65% | 5.09% | 4.85% | 4.14% | 0.00% |
Graham Net Nets |
3.74 | 2.00 | 3.61 | 3.64 | 3.10 | 3.77 | 1.94 | 0.66 | 0.00 | 0.00 |
Graham Number |
56.49 | 44.46 | 36.54 | 25.61 | 24.52 | 0.00 | 24.01 | 0.00 | 0.00 | 0.00 |
Earnings Yield |
91.88% | 53.30% | 91.78% | 74.83% | 78.07% | (180.01%) | 42.13% | 4.68% | 0.28% | 0.28% |
Free Cash Flow Yield |
251.59% | 108.80% | 68.82% | 60.59% | 48.06% | (81.10%) | 0.00% | 0.00% | 0.00% | 0.00% |
Revenue per Share |
26.87 | 16.71 | 14.12 | 9.79 | 10.37 | 6.28 | 8.48 | 10.78 | 6.20 | 0.68 |
Operating CF per Share |
5.16 | 4.34 | 2.39 | 0.89 | 1.28 | (1.94) | 1.65 | 0.02 | (2.14) | 0.24 |
Capex per Share |
(0.08) | (0.04) | (0.02) | (0.02) | (0.01) | (0.02) | (0.04) | (0.12) | (0.07) | 0.00 |
Free Cash Flow per Share |
5.08 | 4.30 | 2.36 | 0.87 | 1.28 | (1.96) | 1.61 | (0.10) | (2.21) | 0.24 |
Cash per Share |
7.50 | 4.73 | 5.70 | 2.77 | 2.87 | 5.45 | 6.15 | 4.98 | 2.37 | 1.43 |
Shareholders Equity per Share |
27.56 | 19.79 | 17.15 | 13.07 | 11.37 | 8.81 | 12.00 | 10.71 | 6.13 | 1.06 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
27.56 | 19.79 | 17.15 | 13.07 | 11.37 | 8.81 | 12.00 | 10.71 | 6.13 | 1.06 |
Free Cash Flow |
206.74 | 206.77 | 113.48 | 45.91 | 70.11 | (104.91) | 84.11 | (4.84) | (96.11) | 12.43 |
Working Capital |
857.50 | 804.43 | 658.28 | 579.39 | 513.41 | 407.74 | 519.14 | 442.78 | 224.78 | — |
Capital Expenditures |
(3.12) | (1.93) | (1.19) | (0.88) | (0.37) | (0.81) | (2.16) | (5.62) | (3.12) | (0.52) |
Net Current Asset Value |
852.52 | 800.66 | 652.99 | 571.97 | 511.52 | 403.51 | 513.06 | 442.78 | 224.78 | (188.00) |
EV/EBIT |
0.00 | 0.85 | 0.00 | 0.14 | 0.16 | 0.60 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 |
Price to Operating Income |
0.98 | 1.56 | 0.89 | 1.00 | 0.80 | 0.00 | 2.27 | 0.00 | 0.00 | 0.00 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.47 | 0.45 | 0.61 | 1.13 | 1.31 | 1.07 | 0.57 | 0.42 | 0.26 | 0.00 |
Cash ROIC |
13.93% | 16.87% | 9.64% | 5.43% | 8.68% | (12.85%) | 8.83% | (0.62%) | (25.35%) | 8.94% |
Accounts Receivable Turnover |
3.00 | 3.14 | 3.37 | 3.62 | 6.30 | 3.86 | 2.82 | 2.77 | 1.45 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — |
Average Days of Payables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — |
Average Receivables |
363.96 | 255.90 | 201.10 | 142.88 | 90.32 | 87.06 | 157.14 | 185.70 | 185.70 | — |
Average Assets |
1,858.21 | 1,630.05 | 1,461.11 | 1,216.79 | 1,150.68 | 1,169.28 | 931.93 | 630.97 | 414.76 | 419.50 |
Average Common Equity |
1,036.61 | 888.06 | 756.35 | 656.61 | 547.74 | 549.36 | 569.49 | 389.25 | 160.41 | 162.50 |
Columns are period end dates