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X Financial is a Cayman Islands-based technology-driven personal finance company. Along with its subsidiaries, the firm provides diversified investment opportunities to investors in China through its wealth management platform, Xiaoying Wealth Management. Loan products offered by the company include Xiaoying Card Loan, Xiaoying Preferred Loan, and Xiaoying Housing Loan. The company generates revenue from loan facilitation service, post-origination service, and guarantee services provided.
2015
563
Last FY Revenue $2.6B
Last FY EBITDA n/a
$876M
Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.
In the most recent fiscal year, X Financial achieved revenue of $2.6B and an EBITDA of n/a.
X Financial expects next 12-month revenue of XXX and NTM EBITDA of XXX
See X Financial valuation multiples based on analyst estimates| NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|
| Revenue | XXX | $2.6B | XXX | XXX | XXX |
| Gross Profit | XXX | n/a | XXX | XXX | XXX |
| Gross Margin | XXX | n/a | XXX | XXX | XXX |
| EBITDA | XXX | n/a | XXX | XXX | XXX |
| EBITDA Margin | XXX | n/a | XXX | XXX | XXX |
| EBIT | XXX | n/a | XXX | XXX | XXX |
| EBIT Margin | XXX | n/a | XXX | XXX | XXX |
| Net Profit | XXX | $1.5B | XXX | XXX | XXX |
| Net Margin | XXX | 60% | XXX | XXX | XXX |
| Net Debt | XXX | n/a | XXX | XXX | XXX |
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As of May 30, 2025, X Financial's stock price is $19.
X Financial has current market cap of $793M, and EV of $876M.
See X Financial trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $876M | $793M | XXX | XXX | XXX | XXX | n/a |
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Start Free TrialAs of May 30, 2025, X Financial has market cap of $793M and EV of $876M.
X Financial's trades at 0.3x EV/Revenue multiple, and n/a EV/EBITDA.
Equity research analysts estimate X Financial's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
X Financial's P/E ratio is not available.
See valuation multiples for X Financial and 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $793M | XXX | $793M | XXX | XXX | XXX |
| EV (current) | $876M | XXX | $876M | XXX | XXX | XXX |
| EV/Revenue | n/a | XXX | 0.3x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EV/EBIT | n/a | XXX | n/a | XXX | XXX | XXX |
| EV/Gross Profit | n/a | XXX | n/a | XXX | XXX | XXX |
| P/E | n/a | XXX | 0.5x | XXX | XXX | XXX |
| EV/FCF | n/a | XXX | 0.6x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Start Free TrialX Financial's revenue per employee in the last FY averaged $4.5M, while opex per employee averaged n/a for the same period.
X Financial's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
X Financial's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
See operational valuation multiples for X Financial and other 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue Growth | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | n/a | XXX | XXX | XXX |
| Rule of 40 | n/a | XXX | n/a | XXX | XXX | XXX |
| Bessemer Rule of X | XXX | XXX | n/a | XXX | XXX | XXX |
| Revenue per Employee | XXX | XXX | $4.5M | XXX | XXX | XXX |
| Opex per Employee | XXX | XXX | n/a | XXX | XXX | XXX |
| S&M Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| G&A Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| R&D Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| Opex to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Credit Clear | XXX | XXX | XXX | XXX | XXX | XXX |
| Humm Group | XXX | XXX | XXX | XXX | XXX | XXX |
| MoneyMe | XXX | XXX | XXX | XXX | XXX | XXX |
| Plenti Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Pepper Money | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
X Financial acquired XXX companies to date.
Last acquisition by X Financial was XXXXXXXX, XXXXX XXXXX XXXXXX . X Financial acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Start Free Trial| When was X Financial founded? | X Financial was founded in 2015. |
| Where is X Financial headquartered? | X Financial is headquartered in United States of America. |
| How many employees does X Financial have? | As of today, X Financial has 563 employees. |
| Who is the CEO of X Financial? | X Financial's CEO is Mr. Yue Justin Tang. |
| Is X Financial publicy listed? | Yes, X Financial is a public company listed on NYS. |
| What is the stock symbol of X Financial? | X Financial trades under XYF ticker. |
| When did X Financial go public? | X Financial went public in 2018. |
| Who are competitors of X Financial? | Similar companies to X Financial include e.g. Credit Clear, Humm Group, MoneyMe, Plenti Group. |
| What is the current market cap of X Financial? | X Financial's current market cap is $793M |
| Is X Financial profitable? | Yes, X Financial is EBITDA-positive (as of the last 12 months). |
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