XYF Relative Valuation
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. If the market price exceeds this fair value range, XYF is overvalued; if below, it's undervalued.
Historical Valuation
X Financial (XYF) is now in the Fair zone, suggesting that its current forward PE ratio of 2.29 is considered Fairly compared with the five-year average of 1.78. The fair price of X Financial (XYF) is between 7.21 to 13.81 according to relative valuation methord.
Relative Value
Fair Zone
7.21-13.81
Current Price：7.33
Fair
2.29
PE
1Y
3Y
5Y
Trailing
Forward
0.00
EV/EBITDA
X Financial. (XYF) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.
2.35
EV/EBIT
X Financial. (XYF) has a current EV/EBIT of 2.35. The 5-year average EV/EBIT is 1.63. The thresholds are as follows: Strongly Undervalued below -1.47, Undervalued between -1.47 and 0.08, Fairly Valued between 3.18 and 0.08, Overvalued between 3.18 and 4.72, and Strongly Overvalued above 4.72. The current Forward EV/EBIT of 2.35 falls within the Historic Trend Line -Fairly Valued range.
0.62
PS
X Financial. (XYF) has a current PS of 0.62. The 5-year average PS is 0.56. The thresholds are as follows: Strongly Undervalued below -0.17, Undervalued between -0.17 and 0.20, Fairly Valued between 0.92 and 0.20, Overvalued between 0.92 and 1.29, and Strongly Overvalued above 1.29. The current Forward PS of 0.62 falls within the Historic Trend Line -Fairly Valued range.
0.00
P/OCF
X Financial. (XYF) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.
0.00
P/FCF
X Financial. (XYF) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.
X Financial (XYF) has a current Price-to-Book (P/B) ratio of 0.26. Compared to its 3-year average P/B ratio of 0.33 , the current P/B ratio is approximately -20.74% higher. Relative to its 5-year average P/B ratio of 0.35, the current P/B ratio is about -24.69% 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 7.08%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 3.05% , the current FCF yield is about -100.00% lower.
0.26
P/B
Median3y
0.33
Median5y
0.35
0.00
FCF Yield
Median3y
7.08
Median5y
3.05
Competitors Valuation Multiple
The average P/S ratio for XYF's competitors is , providing a benchmark for relative valuation. X Financial Corp (XYF) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 27.86%, this premium appears sustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of XYF decreased by 12.00% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 1.53B to 1.96B.
The secondary factor is the P/E Change, contributed -19.70%to the performance.
Overall, the performance of XYF in the past 1 year is driven by Revenue Growth. Which is more sustainable.
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FAQ
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