XYF 财务： X Financial AI 分析

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XYF 财务

X Financial

$4.5

-2.8%

$-0.12

收盘价：Mar 24, 16:00:00 GMT-4

$4.51

0.22%

$0

盘后：Mar 24, 20:00:00 GMT-4

概述预测收益股息财务数据

关键数据

前收盘价

$4.63

开盘价

$4.6

当日区间

$4.4 - $4.77

52周范围

$4.25 - $20.36

交易量

178.9K

平均成交量

186.3K

股息收益率

每股收益（TTM）

6.77

市值

$190.3M

什么是 XYF？

X Financial operates as an online personal finance company that develops and provides a technology platform for personal finance services. The company is headquartered in Shenzhen, Guangdong and currently employs 563 full-time employees. The company went IPO on 2018-09-19. The firm is engaged in the connection of borrowers with institutional funding partners and the provision of online personal credit loan products. The firm's main product is Xiaoying Credit Loan, which mainly consists of Xiaoying Card Loan and other unsecured loan products. The firm is also engaged in the provision of secured loan products sunch as Xiaoying Housing Loan and others. The firm primarily conducts its businesses in domestic market.

功能特性

资源

市场

收入

资产负债表

现金流量

年度

季度性

XYF 收入

以百万美元为单位的财务数据。财年为2月至次年1月。

Breakdown	TTM	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020
营收	7,880	5,871	4,814	3,562	3,626	2,192
营收同比增长 (YoY)	47%	22%	35%	-2%	65%	-28.99%
营收成本	1,953	1,738	2,869	2,126	1,963	2,071
毛利润	5,926	4,133	1,945	1,436	1,663	121
销售、一般及管理费用	319	211	211	208	285	336
研发	--	--	--	--	--	--
营业费用	1,297	678	507	353	352	591
其他非经营性收入 (费用)	124	13	24	40	32	12
税前利润	2,259	1,894	1,403	1,223	1,190	-1,601
所得税费用	458	405	249	389	368	-299
净利润	1,792	1,539	1,186	811	825	-1,308
净利润增长	33%	30%	46%	-2%	-163%	-269%
稀释后流通股数	251	293.35	290.83	322.4	336.88	321.23
股份同比变动 (YoY)	-14%	1%	-10%	-4%	5%	0%
每股收益 (摊薄)	7.14	5.25	4.08	2.52	2.45	-4.07
每股收益增长率	56%	28.99%	62%	3%	-160%	-268%
自由现金流	--	1,509	805	316	446	-684
每股自由现金流	--	--	--	--	--	--
毛利率	75.2%	70.39%	40.4%	40.31%	45.86%	5.52%
营业利润率	58.73%	58.84%	29.85%	30.37%	36.15%	-21.44%
净利率	22.74%	26.21%	24.63%	22.76%	22.75%	-59.67%
自由现金流利润率	--	25.7%	16.72%	8.87%	12.3%	-31.2%
EBITDA	--	3,462	1,442	1,088	1,319	-459
EBITDA 利润率	--	58.96%	29.95%	30.54%	36.37%	-20.93%
EBITDA 中的折旧与摊销	--	7	5	6	8	11
EBIT	4,628	3,455	1,437	1,082	1,311	-470
EBIT 利润率	58.73%	58.84%	29.85%	30.37%	36.15%	-21.44%
有效税率	20.27%	21.38%	17.74%	31.8%	30.92%	18.67%

Follow-Up Questions

X Financial 的关键财务报表是什么？



根据最新的财务报表（Form-10K），X Financial 的总资产为 $11,819，净利润为 $1,539

XYF 的关键财务比率是什么？



X Financial 的流动比率是 2.42，净利 margin 为 26.21，每股销售为 $20.01。

X Financial 的收入按细分市场或地理位置如何划分？



X Financial 最大收入来源是 Loan Facilitation Service - Direct Model - Xiaoying Credit Loan，在最近的收益报告中收入为 386,868,475。就地区而言， China 是 X Financial 的主要市场，收入为 679,585,682。

X Financial 是否盈利？



是的，根据最新的财务报表，X Financial 的净利润为 $1,539

X Financial 有负债吗？



是的，X Financial 的负债为 4,866

X Financial 的流通股有多少？



X Financial 的总流通股为 0

X Financial (XYF) 财务

XYF 股价走势图