X
X Financial (XYF)
NYQ – Real Time Price. Currency in USD
4.80
-0.10 (-2.04%)
At close: May 12, 2026, 4:00 PM EDT
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NYQ – Real Time Price. Currency in USD
4.80
-0.10 (-2.04%)
At close: May 12, 2026, 4:00 PM EDT
No Data
There are no news for this stock.
Company's cash reserves $550.5M significantly exceed its total debt $65.1M, ensuring strong financial flexibility
Total current assets $0.0 are just enough to cover Total current liabilities $784.3M, indicating tight liquidity
Debt-to-equity ratio (0.1) is well below the industry average (3.4), showcasing prudent financial management
The company has no interest-bearing debt, showcasing excellent financial strength
| NAME | RATIO | INDUSTRY | 5Y TREND | SCORE |
|---|---|---|---|---|
| Current ratio | 1.28 | 10.91 | 7.0 | |
| Quick ratio | 1.28 | 10.10 | 7.0 | |
| Debt to Equity | 0.06 | 3.44 | 9.0 | |
| Debt to Assets | 0.03 | 1.99 | 9.0 | |
| Interest coverage | N/A | 71.90 | 10 | |
| Weighted average score | 8.4 | |||
| METRIC | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Total Revenue | 529M | 680M | 816M | 1.06B | 1.06B |
| Gross Profit | 213M | 275M | 574M | 782M | 780M |
| Operating Income | 178M | 216M | 294M | 366M | 225M |
| Net Income | 121M | 168M | 214M | 204M | 203M |
| EBITDA | 203M | 249M | 326M | 415M | N/A |
| NAME | REVENUE GROWTH | EPS GROWTH | SCORE |
|---|---|---|---|
| Current quarter | N/A | N/A | 1.0 |
| Next quarter | N/A | N/A | 1.0 |
| Current year | N/A | N/A | 1.0 |
| Next year | N/A | N/A | 1.0 |
| Weighted average score | 1.0 | ||
| NAME | REVENUE | NET INCOME | EPS | FCF | SCORE |
|---|---|---|---|---|---|
| Q/Q | -24.43 | -86.29 | N/A | N/A | 1.0 |
| Y/Y | -12.89 | -84.96 | N/A | N/A | 1.0 |
| 3y average | 26.25 | 20.63 | N/A | 53.69 | 7.8 |
| 5y average | 29.72 | 44.72 | N/A | 35.35 | 7.8 |
| Weighted average score | 4.4 | ||||
| NAME | CURRENT | INDUSTRY | SCORE |
|---|---|---|---|
| Dividend yield | 3.60 | 3.60 | 8.0 |
| Payout ratio | 0.00 | N/A | 1.0 |
| 5-year dividend growth rate | N/A | N/A | 1.0 |
| Years of dividend increase | 1.00 | 1.00 | 2.0 |
| Weighted average score | 5.0 | ||
| NAME | SCALE | SCORE |
|---|---|---|
| Market share | None | 1.0 |
| Intangible assets | None | 1.0 |
| Switching costs | None | 1.0 |
| Network effect | None | 1.0 |
| Economies of scale | None | 1.0 |
| Weighted average score | 1.0 | |