US · XYF
X Financial
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- Shenzhen 518067
- Website
- xiaoyinggroup.com
Price · as of 2024-12-31
$4.81
Market cap 35.38M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $4.20 | -12.68% |
| Intrinsic Value(DCF) | $3,255.22 | +67,576.09% |
| Graham-Dodd Method(GD) | $37.60 | +681.7% |
| Graham Formula(GF) | $376.20 | +7,721.21% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | |||||
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | $10.40 | ||||
| 2018 | $16.37 | $40.12 | $0.02 | $23.30 | $309.20 |
| 2019 | $3.44 | $15.53 | $9.62 | $17.90 | $0.00 |
| 2020 | $2.65 | $1.06 | $0.00 | $0.00 | $315.60 |
| 2021 | $2.28 | $85.48 | $7.09 | $20.70 | |
| 2022 | $2.49 | $24.76 | $5.05 | $23.40 | $128.20 |
| 2023 | $3.82 | $17.45 | $4.86 | $31.80 | $164.10 |
| 2024 | $11.32 | $29.94 | $4,242.94 | $37.60 | $376.20 |
AI valuation
Our deep-learning model estimates X Financial's (XYF) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $4.20
- Current price
- $4.81
- AI upside
- -12.68%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$3,255.22
+67,576.09% upside
Graham-Dodd
$37.60
+681.7% upside
Graham Formula
$376.20
+7,721.21% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| XYF | X Financial | $4.81 | 35.38M | +522% | +67,576% | +682% | +7,721% | 2.52 | 0.56 | 0.66 | 0.35 | 8.80 | 0.56 | 66.62% | 31.91% | 26.23% | 24.06% | 37.65% | 13.12% | 0.05 | 1.18 | 6.73 | 6.72 | -0.70 | 2868.00% | 7916.00% | 8732.00% | 38.82% | 2.05 | 38.31% | 3.00% | 7.60% | 14.93% | 0.69 | 0.85 | 0.22 | 2.43 |
| ACOG | Alpha Cognition Inc. Comm… | $6.00 | 89.13M | — | — | — | — | -2.63 | 0.93 | — | 0.64 | — | 0.94 | 0.00% | — | — | -79.66% | 212.58% | -55.04% | 0.02 | -63.84 | 15.00 | 14.56 | 3.31 | -4740.00% | — | -1084.00% | -20.22% | -2.31 | 139.49% | 0.00% | 0.00% | 123.06% | 0.77 | 1.18 | — | 0.72 |
| CAPN | Cayson Acquisition Corp O… | $10.79 | 84.49M | — | — | — | — | 156.12 | 1.25 | — | 155.14 | — | 1.25 | 0.00% | — | — | — | — | — | 0.00 | — | 5.77 | 4.52 | -0.98 | — | — | — | -0.50% | -3.58 | — | 0.00% | 0.00% | 0.00% | -262.34 | -199.79 | — | 20.18 |
| GECC | Great Elm Capital Corp. | $6.26 | 72.19M | +14,201% | +374% | — | +1% | 25.68 | 0.67 | 2.32 | 76.69 | — | 0.67 | 25.43% | 9.04% | 9.04% | 3.03% | 1.28% | 1.21% | 1.39 | 0.24 | 0.76 | 1.46 | 53.39 | -8919.00% | 976.00% | -63732.00% | -90.61% | -7.00 | -29.77% | 16.52% | 424.30% | 16.52% | 76.69 | -3.30 | 6.93 | -0.40 |
| IROQ | IF Bancorp, Inc. | $27.75 | 93M | +122% | +3% | -8% | -32% | 19.19 | 1.01 | 1.71 | 23.03 | 13.67 | 1.03 | 54.72% | 12.23% | 8.90% | 5.53% | 8.66% | 0.48% | 0.89 | 0.26 | 0.00 | 0.01 | 8.08 | 14035.00% | 661.00% | 22019.00% | 7.89% | 0.01 | 13.11% | 1.56% | 29.90% | 17.75% | 25.44 | 23.09 | 3.11 | -0.76 |
| PFX | PhenixFIN Corporation | $47.00 | 93.92M | +18,865% | +105,833% | +169,639% | — | 20.19 | 0.00 | 6.29 | 15.77 | — | 0.00 | 96.96% | 106.63% | 31.15% | 0.01% | 0.02% | 0.00% | 0.00 | 1.38 | 61.75 | 0.09 | 10.06 | -7744.00% | -6208.00% | -114116.00% | -199.84% | -1.22 | -0.21% | 3.44% | 69.50% | 4.40% | 15.77 | -1.34 | 16.82 | 0.03 |
| PROP | Prairie Operating Co. | $1.77 | 88.99M | — | +101% | — | — | -2.76 | 2.09 | 13.88 | -3.96 | — | 2.09 | 60.36% | -333.96% | -515.33% | -85.79% | -43.69% | -39.40% | 0.88 | -23.22 | 0.29 | 0.29 | -1.08 | -8395.00% | — | 1530.00% | -35.02% | -0.15 | -63.58% | 0.00% | 0.00% | 0.00% | -5.72 | -3.93 | 19.09 | -1.28 |
| SRL | Scully Royalty Ltd. | $9.00 | 137.04M | +2,112% | -0% | +4% | +154% | -7.84 | 0.53 | 4.29 | -15.64 | — | 0.53 | 38.33% | -7.23% | -58.32% | -6.49% | -0.94% | -4.55% | 0.12 | -1.02 | 4.56 | 2.20 | -1.79 | -168523.00% | -3132.00% | -22166.00% | -19.91% | -0.82 | -11.07% | 0.00% | 0.00% | 0.00% | -57.08 | -4.83 | 4.12 | 1.00 |
About X Financial
X Financial provides personal finance services in the People's Republic of China. The company offers services as an online marketplace connecting borrowers and investors. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners, as well as Xiaoying revolving loan. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as loans, money market, and insurance products; and loan facilitation services to other platforms. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.
- CEO
- Yue Tang
- Employees
- 563
- Beta
- 0.37
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($3,255.22 ÷ $4.81) − 1 = +67,576.09% (DCF, example).