X Financial Class A (XYF) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of X Financial Class A $8.02, price $4.94, upside +62.3%, quality 66 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Watch X Financial Class A for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range $1.31 – $18.53 · fair‑value band $3.97 – $13.75 · the $4.94 price screens below the $8.02 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
Follow X Financial Class A in your weekly email
Every Wednesday you see whether X Financial Class A is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
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.
Show more
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.
Stock analysis
X Financial Class A (XYF) currently trades at $4.94, while our model-based Fair Value estimate is $8.02, implying the stock looks roughly 38.4% undervalued today.
Show more
Valuation
How firm this estimate is: it rests on 24 models at a data quality of 95/100, which puts the evidence level at medium.
Scenario range: $3.97 (bear) to $13.75 (bull), the price of $4.94 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 66/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
X Financial Class A reported revenue of $7.4B in FY2025 versus $1.5B in FY2021, a compound +48.9%/yr. Reported net income was $1.4B in FY2025, compounding +14.6%/yr from FY2021.
Key figures
Market cap $186M · P/E ratio 1.3 · P/S ratio 0.24 · EPS (TTM) $3.78 · Dividend yield 11.6% · Net margin 19.2% · Return on equity 19.8% · Return on assets (EBIT) 13.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 64% below its 52-week high and 54% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at 62%, XYF screens cheaper than that median.
Fair Value models
Bear $3.97Fair Value $8.02Bull $13.75
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.90/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+26.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+47.3%
Revenue growth 8 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+28.4%
’17
’18
’19
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+84.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+72.4%
Dividend (yield on the price)11.6%
Profit margin 2019 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.52% → 21%
Price, fair value, quality and upside side by side.
Free, no sign-up
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 330 stocks
Beats the industry median on 8/10 measures
Overall it ranks above its industry peers.
Valuation
Quality Score66 · Top 25%
Fair Value upside+56.5% · Above median
Profitability
Return on equity (TTM)19.8% · Top 25%
Return on assets22.8% · Top 25%
Net margin (TTM)19.2% · Below median
Operating margin (TTM)43.9% · Above median
Growth and dividend
Revenue growth−14.1% · Bottom 25%
Dividend yield (TTM)11.6% · Top 25%
Balance sheet
Debt / equity0.49× · Below median
Valuation Multiplesvs Credit Services median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "X Financial Class A Fair Value". https://www.fairvalue-calculator.com/stock/XYF
Frequently asked questions
Is X Financial Class A (XYF) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of $8.02 versus a price of $4.94, about +62% upside (undervalued).
What is the fair value of XYF?
Our model-based fair value for X Financial Class A is $8.02 (as of Sep 27, 2026), built from audited fundamentals. The current price: $4.94.
What is the quality score of XYF?
X Financial Class A has a Quality Score of 66/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for X Financial Class A (XYF)?
Our model-based price target is the fair value of $8.02 (as of Sep 27, 2026) from 11 valuation models. Cautious scenario $3.97, optimistic scenario $13.75. It is a calculation from audited fundamentals, not an analyst target.
What is the X Financial Class A stock forecast for 2026?
Our models put fair value at $8.02, about +62% upside versus a price of $4.94 (undervalued). Cautious scenario $3.97, optimistic scenario $13.75. The calculation is refreshed regularly with new filings.
What is the revenue of X Financial Class A (XYF)?
X Financial Class A reported trailing-twelve-month revenue of about $7.6B (latest available figure, as of Sep 27, 2026).
Does X Financial Class A pay a dividend?
X Financial Class A currently shows a dividend yield of about 11.60% relative to its recent price (as of Sep 27, 2026).
What is the intrinsic value of X Financial Class A (XYF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For X Financial Class A it is $8.02 per share (as of Sep 27, 2026), against a price of $4.94. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is X Financial Class A stock overvalued or undervalued in 2026?
As of Sep 27, 2026, XYF trades below its calculated fair value: price $4.94, fair value $8.02, a gap of about +62% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of XYF?
No. The price is what the market pays today ($4.94); the fair value is what the company's own numbers justify ($8.02). For X Financial Class A the two are $3.08 per share apart. That gap is exactly why we show both numbers side by side.
How much is X Financial Class A worth?
The market values X Financial Class A at about $186M (market capitalisation, as of Sep 27, 2026). Per share that is $4.94; our models calculate a fair value of $8.02 per share.
What do the bullish and bearish scenarios say about XYF?
Our models span a range for X Financial Class A: cautious scenario $3.97, base $8.02, optimistic $13.75 per share (as of Sep 27, 2026, price $4.94). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of XYF?
X Financial Class A trades at a price-to-earnings ratio of 1.3 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $8.02 is built from several models across several years.
How solid is the balance sheet of X Financial Class A (XYF)?
Balance-sheet figures for X Financial Class A (as of Sep 27, 2026): return on equity 19.8%, debt of 0.49 per unit of equity. They feed the Quality Score of 66/100, which measures business quality independently of the share price.
How far is XYF from its 52-week high?
X Financial Class A trades at $4.94, about 64% below its 52-week high of $13.79 and 54% above the low of $3.22 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $8.02 is for.
Which stocks are comparable to X Financial Class A?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is X Financial Class A stock attractive at the current price?
The data as of Sep 27, 2026: price $4.94, calculated fair value $8.02 (+62%), Quality Score 66/100, from 11 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of XYF calculated?
We run X Financial Class A through 11 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $8.02, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. X Financial Class A currently trades 38 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of X Financial Class A (XYF)?
The closing price on Oct 2, 2026 was $4.94. Our model-based fair value is $8.02, about +62% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with X Financial Class A right now?
The model range is unusually wide ($3.97 to $13.75). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid quality (66/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of X Financial Class A
How large is the market capitalisation of X Financial Class A (XYF)?
The market capitalisation of X Financial Class A is $186M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of X Financial Class A (XYF)?
The price-to-sales ratio of X Financial Class A is 0.24 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of X Financial Class A (XYF)?
Earnings per share at X Financial Class A are $3.78 (price ÷ EPS = P/E 1.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of X Financial Class A (XYF)?
The dividend yield of X Financial Class A is 11.6% (payout 15.2%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of X Financial Class A (XYF)?
The net margin of X Financial Class A is 19.2% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of X Financial Class A (XYF)?
The return on equity (ROE) of X Financial Class A is 19.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of X Financial Class A (XYF)?
On an EBIT basis the return on assets of X Financial Class A is 13.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of X Financial Class A (XYF)?
The operating margin of X Financial Class A is 43.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at X Financial Class A (XYF)?
Revenue at X Financial Class A is growing −14.1% versus a year earlier (3y avg +47.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at X Financial Class A (XYF)?
Earnings per share at X Financial Class A are growing −81.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does X Financial Class A (XYF) generate?
The free cash flow of X Financial Class A is $1.4B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does X Financial Class A (XYF) carry?
The net debt of X Financial Class A is $181M (fiscal year 2025, ≈ 0.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed
Watch X Financial Class A in the live analysis
One click puts X Financial Class A on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
Some data
Sep 27, 2026