Is X Financial (XYF) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2024
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Credit Services | ✗ NOT HALAL | |||
| DJIM | Excluded — Credit Services | ✗ NOT HALAL | |||
| MSCI | Excluded — Credit Services | ✗ NOT HALAL | |||
| S&P | Excluded — Credit Services | ✗ NOT HALAL | |||
| FTSE | Excluded — Credit Services | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 69.1% | |
| Operating Margin | 43.9% | |
| Net Margin | 19.2% | |
| Return on Equity (ROE) | 19.8% | |
| Return on Assets (ROA) | 22.8% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $1.5B |
| Free Cash Flow | $1.5B |
| Total Debt | $341M |
| Debt-to-Equity | 5.7 |
| Current Ratio | 5.0 |
| Total Assets | $11.8B |
Price & Trading
| Last Close | $3.41 |
| 50-Day MA | $5.07 |
| 200-Day MA | $10.84 |
| Avg Volume | 186K |
| Beta | 0.4 |
|
52-Week Range
$3.30
| |
About X Financial (XYF)
X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. The company offers Xiaoying credit loans, which are online personal credit loan products comprising Xiaoying card loans and other unsecured loan products; and Xiaoying housing loans, a secured home equity loan product. It also provides guarantee, consulting, e-commerce, and microcredit services. In addition, the company engages in the technology development and service, as well as the sale of products. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.
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Frequently Asked Questions
Is X Financial (XYF) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), X Financial is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is X Financial's debt ratio?
X Financial's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are X Financial's key financial metrics?
X Financial has a market capitalization of $149M, trailing P/E ratio of 0.7, and revenue of $2.6B. The company maintains a gross margin of 69.1% and a net margin of 19.2%. Return on equity stands at 19.8%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.