Ratio Examination: X Financial ADR (XYF)’s Price-to-Cash and Price-to-Free Cash Flow

Ulysses Smith

The pursuit of outperformance leads many investors to carefully choose individual stocks. Picking the right ones can be a game-changer for growing your wealth.

In the latest session, X Financial ADR (NYSE: XYF) closed at $5.9 down -1.17% from its previous closing price of $5.97. In other words, the price has decreased by -$1.17 from its previous closing price. On the day, 0.19 million shares were traded. XYF stock price reached its highest trading level at $6.0 during the session, while it also had its lowest trading level at $5.81.

Ratios:

For a deeper understanding of X Financial ADR’s stock, let’s take a closer look at its various ratios. For the most recent quarter (mrq), Quick Ratio is recorded 1.21 and its Current Ratio is at 1.21. In the meantime, Its Debt-to-Equity ratio is 0.07 whereas as Long-Term Debt/Eq ratio is at 0.00.

Insider Transactions:

Additionally, insider trades can be beneficial to investors who want to learn what the management thinks about stock prices in the future. A recent insider transaction in this stock occurred on Dec 01 ’25 when Cheng Shaoyong bought 10,000 shares for $11.83 per share.

LI KAN bought 83,333 shares of XYF for $1,310,828 on Sep 05 ’25. On Sep 03 ’25, another insider, ZHANG LONGGEN, who serves as the Director of the company, bought 30,000 shares for $16.39 each.

Valuation Measures:

Investors should consider key stock statistics when deciding whether to invest or divest. In the wake of the recent closing price, XYF now has a Market Capitalization of 241212448 and an Enterprise Value of 1121765248. As of this moment, X’s Price-to-Earnings (P/E) ratio for their current fiscal year is 1.05. For the stock, the TTM Price-to-Sale (P/S) ratio is 0.14 while its Price-to-Book (P/B) ratio in mrq is 0.22. Its current Enterprise Value per Revenue stands at 0.142 whereas that against EBITDA is 0.21.

Stock Price History:

The Beta on a monthly basis for XYF is 0.41, which has changed by -0.27723968 over the last 52 weeks, in comparison to a change of 0.14446163 over the same period for the S&P500. Over the past 52 weeks, XYF has reached a high of $20.35, while it has fallen to a 52-week low of $5.81. The 50-Day Moving Average of the stock is -39.04%, while the 200-Day Moving Average is calculated to be -57.06%.

Shares Statistics:

For the past three months, XYF has traded an average of 203.92K shares per day and 221850 over the past ten days. Shares short for XYF as of 1764288000 were 106597 with a Short Ratio of 0.47, compared to 1761868800 on 244030. Therefore, it implies a Short% of Shares Outstanding of 106597 and a Short% of Float of 0.8099999999999999.

Dividends & Splits

According to the company, the forward annual dividend rate for XYF is 0.53, from 3.882 in the trailing year. Against a Trailing Annual Dividend Yield of 0.65025127. The current Payout Ratio is 9.23% for XYF, which recently paid a dividend on 2025-06-20 with an ex-dividend date of 2025-09-26. Stock splits for the company last occurred on 2020-11-19 when the company split stock in a 1:3 ratio.

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