As of 2025-07-05, the Intrinsic Value of X Financial (XYF) is 87.23 USD. This XYF valuation is based on the model Discounted Cash Flows (Growth Exit 5Y). With the current market price of 19.01 USD, the upside of X Financial is 358.9%.
The range of the Intrinsic Value is 66.97 - 123.78 USD.
Based on its market price of 19.01 USD and our intrinsic valuation, X Financial (XYF) is undervalued by 358.9%.
Range | Selected | Upside | ||
a | ||||
DCF (Growth Exit 5Y) | 66.97 - 123.78 | 87.23 | 358.9% | |
DCF (EBITDA Exit 5Y) | 61.19 - 87.94 | 76.99 | 305.0% | |
Peter Lynch Fair Value | 30.91 - 30.91 | 30.91 | 62.62% | |
P/E Multiples | 37.46 - 54.9 | 43.48 | 128.7% | |
EV/EBITDA Multiples | 34.9 - 152.25 | 92.99 | 389.2% | |
Earnings Power Value | 67.9 - 105.45 | 86.68 | 355.9% | |
Dividend Discount Model - Stable | 39.08 - 93.33 | 66.21 | 248.3% | |
Dividend Discount Model - Multi Stages | 43.84 - 87.55 | 59.04 | 210.6% |
Market Cap (mil) | 701 |
Beta | 0.41 |
Outstanding shares (mil) | 37 |
Enterprise Value (mil) | 1,052 |
Market risk premium | 5.1% |
Cost of Equity | 9.05% |
Cost of Debt | 4.25% |
WACC | 7.0% |