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 1.84. The fair price of X Financial (XYF) is between 5.18 to 10.83 according to relative valuation method. Compared to the current price of 4.99 USD , X Financial By Undervalued By 3.66%.

Relative Value

Fair Zone

5.18-10.83

Current Price：4.99

3.66%

Undervalued

P/E

EV/EBITDA

EV/EBIT

P/S

P/OCF

P/FCF

Trailing

Forward

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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 -39.09% higher. Relative to its 5-year average P/B ratio of 0.35, the current P/B ratio is about -41.36% 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 5.92%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 5.61%, the current FCF yield is about -100.00% lower.

Competitors Valuation Multiple

AI Analysis

The average P/S ratio for XYF competitors is 0.84, providing a benchmark for relative valuation. X Financial Corp (XYF.N) exhibits a P/S ratio of 0.50, which is -41.04% above the industry average. Given its robust revenue growth of 27.86%, this premium appears sustainable.

P/E

P/S

EV/EBITDA

EV/EBIT

Earnings Growth

Market Cap

Performance Decomposition

AI Analysis

Market capitalization of XYF increased by 0.00% over the past 1 year(s). 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(s) is driven by Unknown.

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Frequently Asked Questions

Is 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 5.18 to 10.83 according to relative valuation method.

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

The average P/S ratio for XYF's competitors is 0.84, providing a benchmark for relative valuation. X Financial Corp (XYF) exhibits a P/S ratio of 0.50, which is -41.04% 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 Mar 03 2026?

As of Mar 03 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 Mar 03 2026?

As of Mar 03 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 Mar 03 2026?

As of Mar 03 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 Mar 03 2026?

As of Mar 03 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.

XYF Valuation