As of 2026-06-03, the Fair Value of X Financial (XYF) is 144.39 USD. This value is based on the Peter Lynch's Fair Value formula. With the current market price of 4.91 USD, the upside of X Financial is 2,840.79%.
With the market price of 4.91 USD and our fair value calculation, X Financial (XYF) is a good investment. Investing in XYF stocks now will result in a potential gain of 2,840.79%.
Peter Lynch's formula is:
The earnings growth rate we use in the formula is the average growth rate of net income/earnings over the last 5 years. If the average growth rate is smaller than 5%, we set it to 5%. If it is larger than 25%, we set it to 25%. If the TTM EPS is negative, Peter Lynch Fair Value's result can be unreliable.
| Historical Earnings | ||||||
| 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 2025-12-31 | 5Y Avg | |
| Net income | 825.41 | 812.00 | 1,186.79 | 1,539.91 | 1,464.55 | 1,165.73 |
| YoY growth | 163.08% | -1.62% | 46.16% | 29.75% | -4.89% | 46.49% |
| Market Cap (mil) | 184.01 |
| P/E | 0.85x |
| Forward P/E | 0.86x |
| EPS | 39.08 |
| Avg earnings growth rate | 46.49% |
| TTM earnings | 1,464.55 |