X Financial (XYF)
ValueMarkers Composite Index
100% below intrinsic value ($1,904)
X Financial (XYF) — VMCI valuation read
Composite valuation read on XYF: VMCI 75/100 against a Financial Services sector median of 50. The 25-point above-median print is the headline number for X Financial, and at the mid-cap tier it reflects how the five pillars combine into a single decision-grade score.
Trailing 30-day insider activity for XYF: nothing material on SEC EDGAR. With the Form 4 channel quiet, the price-vs-DCF gap and the trailing margin trend carry more weight in the active read.
**Investor frame.** Value, quality, risk in three lines on XYF: XYF trades at 19.0x earnings, 6% above the Financial Services median of 18.0x; ROIC of 17.0% sits 7.0pp above the Financial Services median (10.0%); net debt to EBITDA of 2.2x is the rate-sensitivity line to watch. EV/EBITDA at 14.0x versus 12.0x for Financial Services closes the value frame.
XYF fell 1.2% over the trailing 7 days, with a -19.2% read on a 30-day basis.
Related Stocks in Financial Services
Top peers ranked by VM Score. Compare valuation, quality, and risk metrics across the sector.