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X Financial XYF NYSE

NYSE • Financial Services • Financial - Credit Services • CN • USD

SharesGrow Score
89/100
5/6 Pass
SharesGrow Intrinsic Value
$3,778.29
+82575.9%
SharesGrow 7-Criteria Score All 7 criteria scored · valuation-related highlighted on this page

X Financial (XYF) trades at a trailing P/E of 0.1, forward P/E of 0.3. Trailing earnings yield is 767.76%, forward earnings yield 384.62%. Graham Number is $2,479.88.

Criteria proven by this page:

  • VALUE (100/100, Pass) — P/E is below market average (0.1); earnings yield beats bond yields (767.76%).
  • Trailing Earnings Yield 767.76% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income.

Overall SharesGrow Score: 86/100 with 5/7 criteria passed.

SharesGrow 7-Criteria Score
89/100
SG Score
View full scorecard →
VALUE
100/100
Price-to-Earnings & upside
Proven by this page
FUTURE
N/A
No coverage
PAST
100/100
→ Income
HEALTH
100/100
Debt-to-Equity & liquidity
→ Health
~
MOAT
62/100
→ Income
GROWTH
100/100
→ Income
INCOME
70/100
→ Income

Valuation Snapshot — XYF

Valuation Multiples
P/E (TTM)0.1
Forward P/E0.3
PEG Ratio0.00
Forward PEGN/A
P/B Ratio0.02
P/S Ratio0.03
EV/EBITDA-0.6
Per Share Data
EPS (TTM)$225.65
Forward EPS (Est.)$17.51
Book Value / Share$1,211.26
Revenue / Share$1,020.27
FCF / Share$0.00
Yields & Fair Value
Earnings Yield767.76%
Forward Earnings Yield384.62%
Dividend Yield12.14%
Graham Number$2,479.88
SharesGrow IV$3,778.29 (+82575.9%)

Historical Valuation

Year P/E (TTM) PEG Ratio P/B Ratio P/S Ratio Dividend Yield
2016 -82.7 0.00 26.56 -252.59 -
2017 31.9 -0.08 6.16 10.82 -
2018 4.8 0.03 1.20 1.94 -
2019 2.4 -0.16 0.42 1.44 5.59%
2020 -0.5 0.00 0.23 -11.36 -
2021 1.3 0.00 0.26 0.69 -
2022 1.4 0.57 0.23 0.47 -
2023 1.1 0.02 0.22 0.39 4.55%
2024 1.9 0.06 0.42 0.50 3.99%
2025 0.2 0.02 0.03 0.04 9.32%

EPS: Actual vs Estimates

P/E Ratio & Earnings Yield

Earnings Per Share (EPS) History

Year EPS (Diluted) Revenue Net Income Net Margin
2016 $-2.37 $-39.17M $-119.57M -
2017 $6.76 $1B $340.28M 33.9%
2018 $17.43 $3.54B $883.11M 24.9%
2019 $14.53 $1.28B $774.28M 60.6%
2020 $-24.31 $-61.5M $-1.31B -
2021 $14.70 $1.51B $825.41M 54.6%
2022 $103.62 $1.54B $812M 52.8%
2023 $24.48 $4.81B $1.19B 24.6%
2024 $4.38 $2.56B $1.54B 60.2%
2025 $205.56 $7.43B $1.42B 19.2%

Analyst Estimates

Year EPS (Avg) EPS Range Revenue (Avg) Revenue Range Analysts
2026 $17.50 $17.50 – $17.50 $3.75B $3.75B – $3.75B 1
2027 $15.07 $15.07 – $15.07 $3.27B $3.27B – $3.27B 1
2028 $8.46 $8.46 – $8.46 $3.35B $3.35B – $3.35B 1
2029 $7.58 $7.58 – $7.58 $3.4B $3.4B – $3.4B 1
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