XYF Valuation

X Financial

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12.490

+0.48(3.997%)1D

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 Overvalued zone, suggesting that its current forward PE ratio of 3.91 is considered Overvalued compared with the five-year average of 1.71. The fair price of X Financial (XYF) is between 5.33 to 11.93 according to relative valuation methord. Compared to the current price of 12.49 USD , X Financial is Overvalued By 4.74%.

Relative Value

Fair Zone

5.33-11.93

Current Price：12.49

4.74%

Overvalued

3.91

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.

3.84

EV/EBIT

X Financial. (XYF) has a current EV/EBIT of 3.84. The 5-year average EV/EBIT is 1.56. The thresholds are as follows: Strongly Undervalued below -1.48, Undervalued between -1.48 and 0.04, Fairly Valued between 3.08 and 0.04, Overvalued between 3.08 and 4.59, and Strongly Overvalued above 4.59. The current Forward EV/EBIT of 3.84 falls within the Overvalued range.

88.90

X Financial. (XYF) has a current PS of 88.90. The 5-year average PS is 0.68. The thresholds are as follows: Strongly Undervalued below -6.32, Undervalued between -6.32 and -2.82, Fairly Valued between 4.18 and -2.82, Overvalued between 4.18 and 7.69, and Strongly Overvalued above 7.69. The current Forward PS of 88.90 falls within the Strongly Overvalued 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 0.48. Compared to its 3-year average P/B ratio of 0.32 , the current P/B ratio is approximately 49.64% higher. Relative to its 5-year average P/B ratio of 0.34, the current P/B ratio is about 40.92% 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 7.14%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 3.06% , the current FCF yield is about -100.00% lower.

0.48

P/B

Median3y

0.32

Median5y

0.34

0.00

FCF Yield

Median3y

7.14

Median5y

3.06

Competitors Valuation Multiple

The average P/S ratio for XYF's competitors is 39.74, providing a benchmark for relative valuation. X Financial Corp (XYF) exhibits a P/S ratio of 88.90, which is 123.71% above the industry average. Given its robust revenue growth of 59.24%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Finance of America Companies Inc

Regional Management Corp

DeFi Development Corp

Runway Growth Finance Corp

9.89

36.22%

357.37M

Performance Decomposition

Market capitalization of XYF increased by 64.78% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 1.42B to 2.27B.

The secondary factor is the P/E Change, contributed 25.70%to the performance.

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

59.24%

1.42B → 2.27B

Revenue Growth

-20.16%

29.17 → 23.29

Margin Expansion

25.70%

1.86 → 2.33

P/E Change

64.78%