X Financial

NYSE:XYF Stock Report

Market Cap: US$302.6m

X Financial Valuation

Is XYF undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of XYF when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: XYF ($6.22) is trading below our estimate of fair value ($30.41)

Significantly Below Fair Value: XYF is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for XYF?

Key metric: As XYF is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for XYF. This is calculated by dividing XYF's market cap by their current earnings.
What is XYF's PE Ratio?
PE Ratio1.7x
EarningsCN¥1.31b
Market CapCN¥2.19b

Price to Earnings Ratio vs Peers

How does XYF's PE Ratio compare to its peers?

The above table shows the PE ratio for XYF vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average6.1x
RM Regional Management
12.8x41.5%US$301.5m
MFIN Medallion Financial
5.3x16.6%US$211.5m
YRD Yiren Digital
1.8xn/aUS$507.7m
LX LexinFintech Holdings
4.7x31.1%US$529.4m
XYF X Financial
1.7xn/aUS$302.6m

Price-To-Earnings vs Peers: XYF is good value based on its Price-To-Earnings Ratio (1.7x) compared to the peer average (6.1x).

Price to Earnings Ratio vs Industry

How does XYF's PE Ratio compare vs other companies in the US Consumer Finance Industry?

2 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.12.2x13.1%
XYF X Financial
 1.7xn/aUS$302.56m
YRD Yiren Digital
1.8xn/aUS$507.70m
No more companies available in this PE range
XYF 1.7xIndustry Avg. 12.2xNo. of Companies4PE0816243240+
2 CompaniesEstimated GrowthMarket Cap
Industry Avg.12.2x13.1%
XYF X Financial
 1.7xn/aUS$302.56m
No more companies

Price-To-Earnings vs Industry: XYF is good value based on its Price-To-Earnings Ratio (1.7x) compared to the US Consumer Finance industry average (12.3x).

Price to Earnings Ratio vs Fair Ratio

What is XYF's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

XYF PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio1.7x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate XYF's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.

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