Historical Valuation
X Financial (XYF) is now in the Undervalued zone, suggesting that its current forward PE ratio of 1.81 is considered Undervalued compared with the five-year average of 1.81. The fair price of X Financial (XYF) is between 6.52 to 13.53 according to relative valuation methord. Compared to the current price of 6.23 USD , X Financial is Undervalued By 4.39%.
Relative Value
Fair Zone
6.52-13.53
Current Price：6.23
4.39%
Undervalued
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
X Financial (XYF) has a current Price-to-Book (P/B) ratio of 0.20. Compared to its 3-year average P/B ratio of 0.33 , the current P/B ratio is approximately -38.32% higher. Relative to its 5-year average P/B ratio of 0.35, the current P/B ratio is about -41.38% higher. X Financial (XYF) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 6.93%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 3.52% , the current FCF yield is about -100.00% lower.
P/B
Median3y
0.33
Median5y
0.35
FCF Yield
Median3y
6.93
Median5y
3.52
Competitors Valuation Multiple
AI Analysis for XYF
The average P/S ratio for XYF competitors is 0.59, providing a benchmark for relative valuation. X Financial Corp (XYF.N) exhibits a P/S ratio of 0.50, which is -15.53% above the industry average. Given its robust revenue growth of 27.86%, this premium appears sustainable.
Performance Decomposition
AI Analysis for XYF
1Y
3Y
5Y
Market capitalization of XYF increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of XYF in the past 1 year is driven by Unknown.
People Also Watch
Frequently Asked Questions
Is XYF currently overvalued or undervalued?
X Financial (XYF) is now in the Undervalued zone, suggesting that its current forward PE ratio of 1.81 is considered Undervalued compared with the five-year average of 1.81. The fair price of X Financial (XYF) is between 6.52 to 13.53 according to relative valuation methord. Compared to the current price of 6.23 USD , X Financial is Undervalued By 4.39% .
What is X Financial (XYF) fair value?
XYF's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of X Financial (XYF) is between 6.52 to 13.53 according to relative valuation methord.
How does XYF's valuation metrics compare to the industry average?
The average P/S ratio for XYF's competitors is 0.59, providing a benchmark for relative valuation. X Financial Corp (XYF) exhibits a P/S ratio of 0.50, which is -15.53% above the industry average. Given its robust revenue growth of 27.86%, this premium appears sustainable.
What is the current P/B ratio for X Financial (XYF) as of Jan 11 2026?
As of Jan 11 2026, X Financial (XYF) has a P/B ratio of 0.20. This indicates that the market values XYF at 0.20 times its book value.
What is the current FCF Yield for X Financial (XYF) as of Jan 11 2026?
As of Jan 11 2026, X Financial (XYF) has a FCF Yield of 0.00%. This means that for every dollar of X Financial’s market capitalization, the company generates 0.00 cents in free cash flow.
What is the current Forward P/E ratio for X Financial (XYF) as of Jan 11 2026?
As of Jan 11 2026, X Financial (XYF) has a Forward P/E ratio of 1.81. This means the market is willing to pay $1.81 for every dollar of X Financial’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for X Financial (XYF) as of Jan 11 2026?
As of Jan 11 2026, X Financial (XYF) has a Forward P/S ratio of 0.50. This means the market is valuing XYF at $0.50 for every dollar of expected revenue over the next 12 months.