As of 2025-08-08, the Intrinsic Value of X Financial (XYF) is 68.56 USD. This XYF valuation is based on the model Discounted Cash Flows (Growth Exit 5Y). With the current market price of 14.09 USD, the upside of X Financial is 386.60%.
The range of the Intrinsic Value is 52.68 - 97.16 USD
Based on its market price of 14.09 USD and our intrinsic valuation, X Financial (XYF) is undervalued by 386.60%.
| Range | Selected | Upside | |
| a | |||
| DCF (Growth 5y) | 52.68 - 97.16 | 68.56 | 386.6% |
| DCF (Growth 10y) | 65.00 - 117.36 | 83.77 | 494.5% |
| DCF (EBITDA 5y) | 49.53 - 66.93 | 58.71 | 316.7% |
| DCF (EBITDA 10y) | 61.61 - 86.39 | 73.78 | 423.6% |
| Fair Value | 24.01 - 24.01 | 24.01 | 70.42% |
| P/E | 25.97 - 40.72 | 32.10 | 127.8% |
| EV/EBITDA | 28.19 - 114.87 | 70.86 | 402.9% |
| EPV | 53.42 - 82.63 | 68.03 | 382.8% |
| DDM - Stable | 30.45 - 72.69 | 51.57 | 266.0% |
| DDM - Multi | 34.18 - 68.21 | 46.03 | 226.7% |
| Market Cap (mil) | 665.06 |
| Beta | 0.39 |
| Outstanding shares (mil) | 47.20 |
| Enterprise Value (mil) | 1,013.52 |
| Market risk premium | 4.60% |
| Cost of Equity | 8.99% |
| Cost of Debt | 4.25% |
| WACC | 6.94% |