XYF
X Financial
Price:  
19.01 
USD
Volume:  
217,999
China | Consumer Finance

XYF Intrinsic Value

358.9 %
Upside

What is the intrinsic value of XYF?

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.

Is XYF undervalued or overvalued?

Based on its market price of 19.01 USD and our intrinsic valuation, X Financial (XYF) is undervalued by 358.9%.

19.01 USD
Stock Price
87.23 USD
Intrinsic Value
Intrinsic Value Details

XYF Intrinsic Value - Valuation Summary

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%

XYF Intrinsic Value - Key Valuation Metrics

Market Cap (mil)701
Beta0.41
Outstanding shares (mil)37
Enterprise Value (mil)1,052
Market risk premium5.1%
Cost of Equity9.05%
Cost of Debt4.25%
WACC7.0%