XYF PE Ratio & Valuation,Is XYF Overvalued

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 2.23 is considered Fairly compared with the five-year average of 1.79. The fair price of X Financial (XYF) is between 6.92 to 13.49 according to relative valuation methord.

Relative Value

Fair Zone

6.92-13.49

Current Price：7.12

Fair

2.23

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.

2.33

EV/EBIT

X Financial. (XYF) has a current EV/EBIT of 2.33. The 5-year average EV/EBIT is 1.63. The thresholds are as follows: Strongly Undervalued below -1.46, Undervalued between -1.46 and 0.09, Fairly Valued between 3.18 and 0.09, Overvalued between 3.18 and 4.73, and Strongly Overvalued above 4.73. The current Forward EV/EBIT of 2.33 falls within the Historic Trend Line -Fairly Valued range.

0.62

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 -0.16, Undervalued between -0.16 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 0.25. Compared to its 3-year average P/B ratio of 0.33 , the current P/B ratio is approximately -23.50% higher. Relative to its 5-year average P/B ratio of 0.35, the current P/B ratio is about -27.15% 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 7.09%, 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.

0.25

P/B

Median3y

0.33

Median5y

0.35

0.00

FCF Yield

Median3y

7.09

Median5y

3.05

Competitors Valuation Multiple

The average P/S ratio for XYF's competitors is 1.25, providing a benchmark for relative valuation. X Financial Corp (XYF) exhibits a P/S ratio of 0.62, which is -50.56% above the industry average. Given its robust revenue growth of 27.86%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of XYF decreased by 14.53% 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 Margin Expansion, contributed -12.33%to the performance.

Overall, the performance of XYF in the past 1 year is driven by Revenue Growth. Which is more sustainable.

27.86%

1.53B → 1.96B

Revenue Growth

-12.33%

24.49 → 21.47

Margin Expansion

-30.06%

1.76 → 1.23

P/E Change

-14.53%

8.33 → 7.12

Mkt Cap Growth

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Frequently Asked Questions

Is X Financial (XYF) currently overvalued or undervalued?

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 6.92 to 13.49 according to relative valuation methord.

How does XYF's valuation metrics compare to the industry average?

What is the current P/B ratio for X Financial (XYF) as of Dec 15 2025?

As of Dec 15 2025, X Financial (XYF) has a P/B ratio of 0.25. This indicates that the market values XYF at 0.25 times its book value.

What is the current FCF Yield for X Financial (XYF) as of Dec 15 2025?

As of Dec 15 2025, 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 Dec 15 2025?

As of Dec 15 2025, X Financial (XYF) has a Forward P/E ratio of 2.23. This means the market is willing to pay $2.23 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 Dec 15 2025?

As of Dec 15 2025, X Financial (XYF) has a Forward P/S ratio of 0.62. This means the market is valuing XYF at $0.62 for every dollar of expected revenue over the next 12 months.

XYF Valuation

XYF Valuation

XYF Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

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Frequently Asked Questions

Is X Financial (XYF) currently overvalued or undervalued?

What is X Financial (XYF) fair value?

How does XYF's valuation metrics compare to the industry average?

What is the current P/B ratio for X Financial (XYF) as of Dec 15 2025?

What is the current FCF Yield for X Financial (XYF) as of Dec 15 2025?

What is the current Forward P/E ratio for X Financial (XYF) as of Dec 15 2025?

What is the current Forward P/S ratio for X Financial (XYF) as of Dec 15 2025?