XYF
X Financial Class A
5.10$
-4.2%
vs. previous close
Closing price · As of: Oct 8, 2026
Statements
Ratios
Valuation ratios (P/E, P/S, EV/EBITDA and the other multiples) are based on the closing price at the end of each period, not on the current price. Margins and returns are shown in percent, multiples without a unit, per-share figures in the reporting currency, net debt in millions.
Tick rows to compare them in a chart (up to 4)
| Line item | Q4 16 | Q1 17 | Q2 17 | Q3 17 | Q4 17 | Q1 18 | Q2 18 | Q3 18 | Q4 18 | Q1 19 | Q2 19 | Q3 19 | Q4 19 | Q1 20 | Q2 20 | Q3 20 | Q4 20 | Q1 21 | Q2 21 | Q3 21 | Q4 21 | Q1 22 | Q2 22 | Q3 22 | Q4 22 | Q1 23 | Q2 23 | Q3 23 | Q4 23 | Q1 24 | Q2 24 | Q3 24 | Q4 24 | Q1 25 | Q2 25 | Q3 25 | Q4 25 | Q1 26 | Q2 26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | |||||||||||||||||||||||||||||||||||||||
| – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | 0.0 | 0.0 | 0.1 | |
| – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | 0.0 | 0.0 | 0.0 | |
| – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | 0.0 | 0.0 | 0.0 | |
| – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | 0.4 | -0.5 | -0.4 | |
| – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | – | 1.3 | -1.6 | -1.6 | |
| Margins | |||||||||||||||||||||||||||||||||||||||
| – | – | – | 52.2% | 59.9% | 63.3% | 68.4% | 67.7% | 75.6% | 79.2% | 83.2% | 86.0% | 82.2% | 63.4% | -24.8% | – | – | 11.0% | 84.9% | 93.2% | 94.3% | 93.2% | 91.2% | 91.9% | 92.2% | 80.3% | 70.4% | 59.3% | 44.9% | 44.9% | 44.2% | 44.7% | 59.7% | 65.9% | 71.5% | 73.9% | 72.2% | 69.0% | 63.6% | |
| – | – | – | 13.9% | 36.8% | 39.4% | 52.1% | 50.0% | 58,889.3% | 59,948.9% | 72,806.7% | 79,240.9% | 100,227.1% | 153,297.8% | 414,822.0% | – | – | 475,755.2% | 160,363.6% | 101,978.4% | 77.7% | 78.3% | 76.6% | 75.9% | 85,275.4% | 73,742.0% | 56,272.5% | 44,429.7% | 51.2% | 50.7% | 49.6% | 49.6% | 40.6% | 35.5% | 31.8% | 26.9% | 21.1% | 17.3% | 12.9% | |
| – | – | – | 7.0% | 26.1% | 27.7% | 37.3% | 37.4% | 40.8% | 44.6% | 55.1% | 58.2% | 60.8% | 44.3% | -94.6% | – | – | -344.4% | -44.7% | 2.0% | 54.6% | 47.9% | 46.8% | 46.1% | 52.8% | 53.8% | 48.8% | 43.1% | 44.4% | 45.0% | 45.4% | 44.7% | 34.1% | 28.8% | 25.0% | 22.8% | 19.2% | 15.2% | 10.1% | |
| Returns | |||||||||||||||||||||||||||||||||||||||
| – | – | – | 3.5% | 19.3% | 22.3% | 30.6% | 25.0% | 25.1% | 27.0% | 24.0% | 22.3% | 17.7% | 8.5% | -7.5% | -15.3% | -42.6% | -30.0% | -10.1% | 0.6% | 20.8% | 19.5% | 16.9% | 15.1% | 17.1% | 19.0% | 21.1% | 22.3% | 21.9% | 23.1% | 22.4% | 22.0% | 22.1% | 22.0% | 22.6% | 22.6% | 18.7% | 13.5% | 7.2% | |
| – | – | – | 1.6% | 8.8% | 11.5% | 18.8% | 19.1% | 19.0% | 20.5% | 14.2% | 12.4% | 9.3% | 4.4% | -3.6% | -7.0% | -17.4% | -12.3% | -5.0% | 0.3% | 11.2% | 10.6% | 8.8% | 7.9% | 9.2% | 10.3% | 10.9% | 11.4% | 11.2% | 11.9% | 12.4% | 13.1% | 13.0% | 13.5% | 12.8% | 12.2% | 10.0% | 7.7% | 4.6% | |
| Balance Sheet & Debt | |||||||||||||||||||||||||||||||||||||||
| 34 | – | – | – | – | -617 | -391 | -1,462 | -662 | -644 | -515 | -521 | -989 | -632 | -1,818 | -1,843 | -1,294 | 94 | -1,017 | -990 | -431 | 240 | -67 | 315 | -2,302 | -2,343 | -2,417 | -2,699 | -2,575 | -2,575 | -2,727 | -2,350 | -797 | 1,123 | 2,026 | 3,103 | 3,225 | -3,413 | -2,447 | |
| – | – | – | – | – | -0.9 | -0.4 | -1.4 | -0.6 | -0.6 | -0.6 | -0.6 | -1.4 | -2.6 | – | – | – | – | – | -136.7 | -0.4 | 0.2 | -0.1 | 0.3 | -1.9 | -1.9 | -1.7 | -1.8 | -1.4 | -1.3 | -1.4 | -1.2 | – | – | – | – | 1.3 | -1.7 | -1.6 | |
| 22.2% | – | 40.2% | 45.3% | 45.3% | 51.5% | 61.3% | 76.2% | 75.8% | 75.8% | 59.0% | 55.4% | 52.6% | 52.6% | 47.9% | 46.1% | 40.8% | 40.8% | 49.1% | 53.0% | 54.2% | 54.2% | 51.9% | 52.2% | 53.8% | 54.1% | 51.6% | 51.2% | 51.3% | 51.3% | 55.6% | 59.3% | 58.8% | 61.5% | 56.4% | 54.0% | 53.4% | 57.1% | 64.1% | |
| 2.0 | – | – | – | – | 0.0 | 0.1 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.6 | 0.4 | 0.4 | 0.4 | 0.6 | 0.5 | 0.6 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.3 | 0.4 | 0.5 | 0.5 | 0.0 | 0.1 | |
| Per Share | |||||||||||||||||||||||||||||||||||||||
| – | – | – | 7.48 | 41.48 | 51.40 | 13.94 | 94.73 | 16.53 | 17.77 | 17.81 | 17.39 | 14.27 | 6.80 | -5.44 | -10.71 | -24.38 | -17.20 | -6.29 | 0.43 | 14.63 | 13.76 | 13.05 | 12.45 | 15.33 | 116.98 | 139.29 | 154.18 | 165.02 | 174.58 | 178.38 | 186.86 | 6.14 | 225.62 | 238.36 | 256.87 | 221.14 | 158.81 | 88.94 | |
| – | – | – | 106.10 | 159.14 | 185.83 | 37.43 | 253.48 | 40.55 | 39.83 | 32.34 | 29.90 | 23.46 | 15.33 | 5.75 | -1.14 | -1.02 | 4.99 | 14.05 | 21.93 | 26.80 | 28.70 | 27.89 | 27.04 | 29.03 | 217.46 | 285.46 | 357.63 | 371.44 | 387.97 | 392.95 | 417.59 | 18.04 | 782.99 | 955.11 | 1,128.95 | 1,151.10 | 1,042.73 | 880.94 | |
| – | 53.13 | 187.61 | 211.66 | 214.85 | 230.33 | 45.55 | 378.45 | 65.81 | 65.81 | 74.17 | 77.91 | 80.46 | 80.46 | 72.77 | 70.07 | 57.29 | 57.29 | 62.29 | 66.95 | 70.49 | 70.49 | 77.07 | 82.62 | 89.77 | 616.83 | 658.73 | 692.76 | 754.51 | 754.51 | 797.30 | 849.27 | 27.74 | 1,026.11 | 1,053.06 | 1,135.89 | 1,183.98 | 1,178.02 | 1,227.38 | |
Data as of: October 8, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.