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XIAOBAI MAIMAI INC (HX) Stock Fundamental Analysis

NASDAQ:HX - Nasdaq - ADR

2.24  -0.1 (-4.27%)

After market: 2.28 +0.04 (+1.79%)

Fundamental Rating

2

HX gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 52 industry peers in the Consumer Finance industry. While HX seems to be doing ok healthwise, there are quite some concerns on its profitability. HX has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

HX had negative earnings in the past year.
HX Yearly Net Income VS EBIT VS OCF VS FCFHX Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 0 50M -50M

1.2 Ratios

Industry RankSector Rank
ROA -109.91%
ROE N/A
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
HX Yearly ROA, ROE, ROICHX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 0 -50 -100 -150 -200

1.3 Margins

HX does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) -1984.51%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
HX Yearly Profit, Operating, Gross MarginsHX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 0 -500 -1K -1.5K

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5

2. Health

2.1 Basic Checks

Compared to 1 year ago, HX has about the same amount of shares outstanding.
Compared to 1 year ago, HX has a worse debt to assets ratio.
HX Yearly Shares OutstandingHX Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 10M 20M 30M 40M
HX Yearly Total Debt VS Total AssetsHX Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 50M 100M 150M

2.2 Solvency

HX has an Altman-Z score of 0.58. This is a bad value and indicates that HX is not financially healthy and even has some risk of bankruptcy.
HX has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z 0.58
ROIC/WACCN/A
WACCN/A
HX Yearly LT Debt VS Equity VS FCFHX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 0 50M -50M 100M

2.3 Liquidity

A Current Ratio of 2.09 indicates that HX has no problem at all paying its short term obligations.
A Quick Ratio of 2.09 indicates that HX has no problem at all paying its short term obligations.
Industry RankSector Rank
Current Ratio 2.09
Quick Ratio 2.09
HX Yearly Current Assets VS Current LiabilitesHX Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 50M 100M 150M

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3

3. Growth

3.1 Past

HX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 51.12%, which is quite impressive.
HX shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -84.61%.
The Revenue for HX have been decreasing by -31.81% on average. This is quite bad
EPS 1Y (TTM)51.12%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%79.03%
Revenue 1Y (TTM)-84.61%
Revenue growth 3Y-74.62%
Revenue growth 5Y-31.81%
Sales Q2Q%-77.09%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
HX is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 54.88% yearly.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year53.73%
Revenue Next 2Y54.88%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
HX Yearly Revenue VS EstimatesHX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M 200M
HX Yearly EPS VS EstimatesHX Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 1 2 3 4

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for HX. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
Fwd PE N/A
HX Price Earnings VS Forward Price EarningsHX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA -3.84
HX Per share dataHX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.2 -0.2 -0.4 -0.6

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for HX!.
Industry RankSector Rank
Dividend Yield 0%

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XIAOBAI MAIMAI INC

NASDAQ:HX (12/15/2021, 8:34:05 PM)

After market: 2.28 +0.04 (+1.79%)

2.24

-0.1 (-4.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners2.04%
Inst Owner Change4.53%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap109.24M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 62.25
P/FCF N/A
P/OCF N/A
P/B 6.32
P/tB N/A
EV/EBITDA -3.84
EPS(TTM)-0.71
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS0.04
BVpS0.35
TBVpSN/A
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -109.91%
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) -1984.51%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y0%
ROICexcg growth 5Y0%
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score3
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 2.09
Quick Ratio 2.09
Altman-Z 0.58
F-Score3
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)51.12%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%79.03%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-84.61%
Revenue growth 3Y-74.62%
Revenue growth 5Y-31.81%
Sales Q2Q%-77.09%
Revenue Next Year53.73%
Revenue Next 2Y54.88%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A