As of 2025-05-23, the Fair Value of X Financial (XYF) is 25.68 USD. This value is based on the Peter Lynch's Fair Value formula. With the current market price of 17.62 USD, the upside of X Financial is 45.77%.
With the market price of 17.62 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 45.77%.
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 | ||||||
| 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 5Y Avg | |
| Net income | -1,308.50 | 825.41 | 812.00 | 1,186.79 | 1,539.91 | 611.12 |
| YoY growth | -269.00% | 163.08% | -1.62% | 46.16% | 29.75% | -6.33% |
| Market Cap (mil) | 732.23 |
| P/E | 3.43x |
| Forward P/E | 3.39x |
| EPS | 37.06 |
| Avg earnings growth rate | -6.33% |
| TTM earnings | 1,539.91 |