XYF Net Receivables vs Net Debt Analysis

XYF Stock

USD 3.82 0.07 1.80%

X Financial financial indicator trend analysis is more than just analyzing X Financial Class current accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether X Financial Class is a good investment. Please check the relationship between X Financial Net Receivables and its Net Debt accounts. Check out Your Current Watchlist to better understand how to build diversified portfolios, which includes a position in X Financial Class. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in manufacturing.

Net Receivables vs Net Debt

Net Receivables vs Net Debt Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of X Financial Class Net Receivables account and Net Debt. At this time, the significance of the direction appears to have strong contrarian relationship.

The correlation between X Financial's Net Receivables and Net Debt is -0.69. Overlapping area represents the amount of variation of Net Receivables that can explain the historical movement of Net Debt in the same time period over historical financial statements of X Financial Class, assuming nothing else is changed. The correlation between historical values of X Financial's Net Receivables and Net Debt is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Net Receivables of X Financial Class are associated (or correlated) with its Net Debt. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Net Debt has no effect on the direction of Net Receivables i.e., X Financial's Net Receivables and Net Debt go up and down completely randomly.

Correlation Coefficient

-0.69

Relationship Direction	Negative
Relationship Strength	Weak

View All Relationships

Net Receivables

Net Debt

The total debt of a company minus its cash and cash equivalents. It represents the actual debt burden on the company after accounting for the liquid assets it holds.

Most indicators from X Financial's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into X Financial Class current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Your Current Watchlist to better understand how to build diversified portfolios, which includes a position in X Financial Class. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in manufacturing.

The X Financial's current Sales General And Administrative To Revenue is estimated to increase to 0.10, while Tax Provision is projected to decrease to roughly 128.7 M.

	2021	2022	2023	2024 (projected)
Interest Income	691.6M	970.0M	1.1B	1.2B
Net Interest Income	691.6M	970.0M	1.1B	561.9M

Interest Income Net Interest Income

X Financial fundamental ratios Correlations

	Total Assets	Short Long Term Debt Total	Other Current Liab	Total Current Liabilities	Total Stockholder Equity	Other Liab	Net Tangible Assets	Property Plant And Equipment Net	Net Debt	Retained Earnings	Accounts Payable	Cash	Non Current Assets Total	Non Currrent Assets Other	Other Assets	Long Term Debt	Cash And Short Term Investments	Net Receivables	Common Stock Total Equity	Common Stock Shares Outstanding	Long Term Debt Total	Capital Surpluse	Other Current Assets	Other Stockholder Equity	Total Liab	Long Term Investments
Total Assets		0.09	0.41	0.64	0.98	0.74	0.95	0.23	-0.89	0.88	0.95	0.93	0.84	-0.33	0.44	0.64	0.78	0.79	0.98	0.45	0.76	0.96	0.99	0.93	0.96	0.86
Short Long Term Debt Total	0.09		0.68	0.65	0.01	0.0	-0.07	0.06	-0.18	0.23	0.06	0.13	0.36	0.38	-0.61	0.36	-0.19	0.27	0.13	-0.12	0.39	0.02	0.04	0.0	0.17	0.32
Other Current Liab	0.41	0.68		0.92	0.37	0.14	0.25	-0.11	-0.54	0.7	0.35	0.44	0.76	0.15	-0.55	0.68	0.04	0.44	0.38	0.09	0.51	0.26	0.38	0.22	0.44	0.72
Total Current Liabilities	0.64	0.65	0.92		0.6	0.36	0.51	0.02	-0.71	0.82	0.57	0.64	0.9	0.12	-0.32	0.7	0.31	0.59	0.65	0.28	0.71	0.55	0.6	0.51	0.64	0.87
Total Stockholder Equity	0.98	0.01	0.37	0.6		0.62	0.99	0.34	-0.86	0.9	0.93	0.89	0.83	-0.35	0.44	0.62	0.79	0.86	0.98	0.45	0.68	0.98	0.94	0.96	0.87	0.85
Other Liab	0.74	0.0	0.14	0.36	0.62		0.64	0.09	-0.58	0.5	0.66	0.6	0.48	-0.13	0.66	0.26	0.57	0.25	0.68	0.51	0.59	0.66	0.81	0.66	0.85	0.48
Net Tangible Assets	0.95	-0.07	0.25	0.51	0.99	0.64		0.43	-0.8	0.84	0.89	0.83	0.76	-0.3	0.54	0.53	0.8	0.83	0.97	0.5	0.61	0.99	0.91	0.98	0.83	0.78
Property Plant And Equipment Net	0.23	0.06	-0.11	0.02	0.34	0.09	0.43		0.1	0.19	0.17	-0.07	0.02	0.19	0.32	-0.26	0.0	0.53	0.34	0.02	-0.23	0.4	0.12	0.43	0.07	0.01
Net Debt	-0.89	-0.18	-0.54	-0.71	-0.86	-0.58	-0.8	0.1		-0.89	-0.89	-0.96	-0.93	0.46	-0.21	-0.89	-0.85	-0.69	-0.86	-0.58	-0.92	-0.82	-0.9	-0.8	-0.86	-0.95
Retained Earnings	0.88	0.23	0.7	0.82	0.9	0.5	0.84	0.19	-0.89		0.85	0.82	0.96	-0.28	0.11	0.78	0.65	0.81	0.87	0.49	0.71	0.82	0.85	0.81	0.8	0.96
Accounts Payable	0.95	0.06	0.35	0.57	0.93	0.66	0.89	0.17	-0.89	0.85		0.92	0.8	-0.56	0.43	0.64	0.82	0.79	0.93	0.41	0.77	0.91	0.95	0.88	0.91	0.82
Cash	0.93	0.13	0.44	0.64	0.89	0.6	0.83	-0.07	-0.96	0.82	0.92		0.86	-0.43	0.27	0.79	0.83	0.72	0.9	0.41	0.88	0.87	0.93	0.82	0.91	0.89
Non Current Assets Total	0.84	0.36	0.76	0.9	0.83	0.48	0.76	0.02	-0.93	0.96	0.8	0.86		-0.21	-0.02	0.86	0.66	0.74	0.84	0.51	0.84	0.78	0.82	0.76	0.8	1.0
Non Currrent Assets Other	-0.33	0.38	0.15	0.12	-0.35	-0.13	-0.3	0.19	0.46	-0.28	-0.56	-0.43	-0.21		-0.37	-0.37	-0.59	-0.28	-0.25	-0.23	-0.32	-0.3	-0.37	-0.29	-0.28	-0.26
Other Assets	0.44	-0.61	-0.55	-0.32	0.44	0.66	0.54	0.32	-0.21	0.11	0.43	0.27	-0.02	-0.37		-0.15	0.57	0.12	0.42	0.45	0.11	0.51	0.49	0.56	0.42	0.02
Long Term Debt	0.64	0.36	0.68	0.7	0.62	0.26	0.53	-0.26	-0.89	0.78	0.64	0.79	0.86	-0.37	-0.15		0.63	0.59	0.61	0.46	0.83	0.55	0.64	0.52	0.62	0.87
Cash And Short Term Investments	0.78	-0.19	0.04	0.31	0.79	0.57	0.8	0.0	-0.85	0.65	0.82	0.83	0.66	-0.59	0.57	0.63		0.55	0.78	0.72	0.78	0.82	0.8	0.85	0.71	0.71
Net Receivables	0.79	0.27	0.44	0.59	0.86	0.25	0.83	0.53	-0.69	0.81	0.79	0.72	0.74	-0.28	0.12	0.59	0.55		0.84	0.17	0.51	0.83	0.69	0.8	0.63	0.74
Common Stock Total Equity	0.98	0.13	0.38	0.65	0.98	0.68	0.97	0.34	-0.86	0.87	0.93	0.9	0.84	-0.25	0.42	0.61	0.78	0.84		0.46	0.74	0.99	0.95	0.97	0.91	0.85
Common Stock Shares Outstanding	0.45	-0.12	0.09	0.28	0.45	0.51	0.5	0.02	-0.58	0.49	0.41	0.41	0.51	-0.23	0.45	0.46	0.72	0.17	0.46		0.57	0.5	0.49	0.59	0.4	0.54
Long Term Debt Total	0.76	0.39	0.51	0.71	0.68	0.59	0.61	-0.23	-0.92	0.71	0.77	0.88	0.84	-0.32	0.11	0.83	0.78	0.51	0.74	0.57		0.69	0.79	0.68	0.81	0.85
Capital Surpluse	0.96	0.02	0.26	0.55	0.98	0.66	0.99	0.4	-0.82	0.82	0.91	0.87	0.78	-0.3	0.51	0.55	0.82	0.83	0.99	0.5	0.69		0.92	0.99	0.86	0.8
Other Current Assets	0.99	0.04	0.38	0.6	0.94	0.81	0.91	0.12	-0.9	0.85	0.95	0.93	0.82	-0.37	0.49	0.64	0.8	0.69	0.95	0.49	0.79	0.92		0.9	0.98	0.83
Other Stockholder Equity	0.93	0.0	0.22	0.51	0.96	0.66	0.98	0.43	-0.8	0.81	0.88	0.82	0.76	-0.29	0.56	0.52	0.85	0.8	0.97	0.59	0.68	0.99	0.9		0.82	0.78
Total Liab	0.96	0.17	0.44	0.64	0.87	0.85	0.83	0.07	-0.86	0.8	0.91	0.91	0.8	-0.28	0.42	0.62	0.71	0.63	0.91	0.4	0.81	0.86	0.98	0.82		0.8
Long Term Investments	0.86	0.32	0.72	0.87	0.85	0.48	0.78	0.01	-0.95	0.96	0.82	0.89	1.0	-0.26	0.02	0.87	0.71	0.74	0.85	0.54	0.85	0.8	0.83	0.78	0.8

Click cells to compare fundamentals

X Financial Account Relationship Matchups

X Financial fundamental ratios Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Total Assets	8.3B	7.5B	7.3B	8.8B	11.7B	7.4B
Short Long Term Debt Total	42.3M	350.5M	166.5M	81.5M	577.9M	606.7M
Other Current Liab	(103.4M)	(477.2M)	(249.6M)	(195.1M)	1.5B	1.6B
Total Current Liabilities	103.4M	477.2M	249.6M	70.2M	2.1B	2.2B
Total Stockholder Equity	4.4B	3.1B	4.0B	4.8B	5.8B	3.8B
Other Liab	202.4M	3.1B	3.4B	2.0B	2.3B	2.0B
Net Tangible Assets	3.5B	4.3B	3.0B	3.9B	4.5B	3.1B
Property Plant And Equipment Net	20.1M	11.1M	6.2M	5.9M	8.6M	10.3M
Net Debt	(963.7M)	(1.3B)	(1.9B)	(2.3B)	(2.3B)	(2.2B)
Retained Earnings	1.3B	(14.6M)	810.9M	1.6B	2.7B	2.8B
Accounts Payable	103.4M	126.6M	83.1M	195.1M	179.8M	114.7M
Cash	1.0B	1.7B	2.1B	2.4B	2.9B	1.7B
Non Current Assets Total	347.4M	350.2M	685.9M	731.0M	1.3B	1.4B
Non Currrent Assets Other	(347.4M)	(350.2M)	(685.9M)	(88.4B)	191.2M	200.8M
Other Assets	6.2B	5.1B	3.7B	4.6B	1.6K	1.6K
Long Term Debt	26.7M	68.4M	9.8M	1.5B	1.7B	1.8B
Cash And Short Term Investments	1.0B	1.7B	2.2B	2.4B	1.2B	1.5B
Net Receivables	771.2M	413.3M	747.5M	1.2B	1.7B	1.0B
Good Will	(380.0M)	(258.0M)	(99.2M)	(36.5B)	(32.9B)	(31.2B)
Common Stock Total Equity	173.4K	189.6K	201.2K	203K	233.5K	200.8K
Common Stock Shares Outstanding	53.3M	53.5M	56.1M	53.7M	48.5M	57.3M
Long Term Debt Total	26.7M	68.4M	1.5B	1.5B	1.7B	1.8B
Liabilities And Stockholders Equity	8.3B	7.5B	7.3B	8.8B	11.7B	7.4B
Non Current Liabilities Total	40.5M	16.9M	12.3M	70.2M	3.7B	3.9B
Capital Surpluse	2.8B	3.0B	3.1B	3.2B	3.6B	2.7B
Capital Lease Obligations	20.2M	16.9M	12.3M	11.3M	12.9M	10.1M
Other Current Assets	5.6B	5.3B	5.0B	6.2B	7.5B	4.7B
Other Stockholder Equity	3.0B	3.1B	3.2B	3.1B	3.1B	2.9B
Total Liab	3.9B	4.5B	3.4B	4.1B	5.8B	3.6B
Long Term Investments	292.1M	301.6M	642.9M	688.6M	1.1B	1.2B
Property Plant And Equipment Gross	46.9M	11.1M	45.9M	49.9M	51.0M	32.0M
Total Current Assets	1.8B	2.1B	2.9B	3.5B	10.3B	10.8B
Accumulated Other Comprehensive Income	67.1M	21.1M	6.3M	63.6M	69.5M	51.1M
Cash And Equivalents	1.1B	1.0B	746.4M	584.8M	672.5M	840.0M
Intangible Assets	415.1M	295.5M	136.1M	36.5B	36.8M	35.0M
Common Stock	190K	201K	203K	207K	206.8K	210.9K

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When determining whether X Financial Class is a strong investment it is important to analyze X Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact X Financial's future performance. For an informed investment choice regarding XYF Stock, refer to the following important reports:

How To Invest In XYF

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Is XYF Stock a good investment?

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What is X Financial's Net Worth?

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Check out Your Current Watchlist to better understand how to build diversified portfolios, which includes a position in X Financial Class. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in manufacturing.

You can also try the Alpha Finder module to use alpha and beta coefficients to find investment opportunities after accounting for the risk.

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When running X Financial's price analysis, check to measure X Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy X Financial is operating at the current time. Most of X Financial's value examination focuses on studying past and present price action to predict the probability of X Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move X Financial's price. Additionally, you may evaluate how the addition of X Financial to your portfolios can decrease your overall portfolio volatility.

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Is X Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of X Financial. If investors know XYF will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about X Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

(0.26)

Dividend Share

1.191

Earnings Share

3.39

Revenue Per Share

100.27

Quarterly Revenue Growth

0.248

The market value of X Financial Class is measured differently than its book value, which is the value of XYF that is recorded on the company's balance sheet. Investors also form their own opinion of X Financial's value that differs from its market value or its book value, called intrinsic value, which is X Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because X Financial's market value can be influenced by many factors that don't directly affect X Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between X Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if X Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, X Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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XYF Net Receivables vs Net Debt Analysis

Net Receivables vs Net Debt

Net Receivables vs Net Debt Correlation Analysis

Correlation Coefficient

Net Receivables

Net Debt

X Financial fundamental ratios Correlations

X Financial Account Relationship Matchups

High Positive Relationship

High Negative Relationship

X Financial fundamental ratios Accounts

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COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Long Term Investments	+ 1.0	Non Current Assets Total
Other Current Assets	+ 0.99	Total Assets
Net Tangible Assets	+ 0.99	Total Stockholder Equity
Capital Surpluse	+ 0.99	Net Tangible Assets
Capital Surpluse	+ 0.99	Common Stock Total Equity
Other Stockholder Equity	+ 0.99	Capital Surpluse

Cash	- 0.96	Net Debt
Long Term Investments	- 0.95	Net Debt
Non Current Assets Total	- 0.93	Net Debt
Long Term Debt Total	- 0.92	Net Debt
Other Current Assets	- 0.9	Net Debt
Long Term Debt	- 0.89	Net Debt