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X Financial, (XYF) Fair Value & Analysis

Financial Services · US · Market cap $186M

Price$4.78
Fair Value$8.82
Upside+84.5%
Quality95/100
Evidence: High Range $6.24 – $18.75

Fair value as of: Jun 26, 2026

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Analysis

X Financial, (XYF) currently trades at $4.78, while our model-based Fair Value estimate is $8.82 — implying the stock looks roughly 84.5% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. The company offers Xiaoying credit loans, which are online personal credit loan products comprising Xiaoying card loans and other unsecured loan products; and Xiaoying housing loans, a secured home equity loan product. It also provides guarantee, consulting, e-commerce, and microcredit services. In addition, the company engages in the technology development and service, as well as the sale of products. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.

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Frequently asked questions

Is X Financial, (XYF) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $8.82 versus a price of $4.78 — about +85% (undervalued). Model-based estimate, not financial advice.
What is the fair value of XYF?
Our 21-model fair value for X Financial, is $8.82 (as of Jun 26, 2026), built from audited fundamentals. The current price is $4.78.
What is the quality score of XYF?
X Financial, has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.