X Financial Class A (XYF) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
X Financial Class A stock (XYF) is currently trading at $4.62. X Financial Class A PE ratio is 0.78. X Financial Class A PS ratio (Price-to-Sales) is 0.02. Analyst consensus price target for XYF is $1.70. WallStSmart rates XYF as Buy.
- XYF PE ratio analysis and historical PE chart
- XYF PS ratio (Price-to-Sales) history and trend
- XYF intrinsic value — DCF, Graham Number, EPV models
- XYF stock price prediction 2025 2026 2027 2028 2029 2030
- XYF fair value vs current price
- XYF insider transactions and insider buying
- Is XYF undervalued or overvalued?
- X Financial Class A financial analysis — revenue, earnings, cash flow
- XYF Piotroski F-Score and Altman Z-Score
- XYF analyst price target and Smart Rating
X Financial Class A
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XYF Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · X Financial Class A (XYF)
XYF trades at a significant discount to its Graham intrinsic value of $277.52, offering a 98% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
X Financial Class A (XYF) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in return on equity, operating margin, price/sales. Concerns around market cap and institutional own.. Overall metrics suggest strong investment potential with favorable risk/reward.
X Financial Class A (XYF) Key Strengths (7)
Keeps $62 of every $100 in revenue after operating costs
Paying less than $1 for every $1 of annual revenue
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 30.20% year-over-year
Keeps $23 of every $100 in revenue as net profit
Every $100 of equity generates $24 in profit
Strong revenue growth at 23.90% annually
Supporting Valuation Data
X Financial Class A (XYF) Areas to Watch (2)
Very low institutional interest at 9.76%
Micro-cap company with very limited liquidity and high volatility
Supporting Valuation Data
X Financial Class A (XYF) Detailed Analysis Report
Overall Assessment
This company scores 76/100 in our Smart Analysis, earning a B+ grade. Out of 9 metrics analyzed, 7 register as strengths (avg 9.6/10) while 2 fall into concern territory (avg 2.5/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Sales, Price/Book. Valuation metrics including Price/Sales (0.02), Price/Book (0.15) suggest the stock is attractively priced. Profitability is solid with Return on Equity at 24.20%, Operating Margin at 62.30%, Profit Margin at 22.80%. Growth metrics are encouraging with Revenue Growth at 23.90%, EPS Growth at 30.20%.
The Bear Case
The primary concerns are Institutional Own., Market Cap.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Institutional Own. improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 24.20% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 23.90% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and Price/Sales makes a compelling case at current levels. The key risk is Institutional Own., but the overall fundamental picture is positive with a clear path to maintaining or improving the current B+ grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
XYF Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
XYF's Price-to-Sales ratio of 0.02x trades at a 20% premium to its historical average of 0.02x (14th percentile). The current valuation is 20% below its historical high of 0.03x set in Mar 2026, and 20% above its historical low of 0.02x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for X Financial Class A (XYF) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
X Financial Class A is a strong growth company balancing expansion with improving profitability. Revenue reached 7.9B with 24% growth year-over-year. Profit margins are strong at 22.8%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 2420.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 22.8% and operating margin of 62.3% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Growth sustainability: can X Financial Class A maintain 24%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 11.5%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact X Financial Class A.
Bottom Line
X Financial Class A offers an attractive blend of growth (24% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About X Financial Class A(XYF)
NYSE
FINANCIAL SERVICES
CREDIT SERVICES
China
X Financial offers personal finance services in the People's Republic of China. The company is headquartered in Shenzhen, the People's Republic of China.