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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
461
LTM Revenue n/a
LTM EBITDA n/a
$599M
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X Financial has a last 12-month revenue of n/a and a last 12-month EBITDA of n/a.
In the most recent fiscal year, X Financial achieved revenue of $1.9B 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| FY 2023 | FY 2024 | FY 2025 | LTM | NTM | |
|---|---|---|---|---|---|
| Revenue | $1.5B | $1.9B | XXX | XXX | XXX |
| Gross Profit | n/a | n/a | XXX | XXX | XXX |
| Gross Margin | NaN% | NaN% | XXX | XXX | XXX |
| EBITDA | n/a | n/a | XXX | XXX | XXX |
| EBITDA Margin | NaN% | NaN% | XXX | XXX | XXX |
| Net Profit | $825M | $812M | XXX | XXX | XXX |
| Net Margin | 54% | 43% | XXX | XXX | XXX |
| Net Debt | n/a | n/a | XXX | XXX | XXX |
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As of April 15, 2025, X Financial's stock price is $12.
X Financial has current market cap of $554M, and EV of $599M.
See X Financial trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $599M | $554M | XXX | XXX | XXX | XXX | n/a |
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Sign UpAs of April 15, 2025, X Financial has market cap of $554M and EV of $599M.
X Financial's trades at n/a LTM EV/Revenue multiple, and n/a LTM EBITDA.
Analysts estimate X Financial's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See valuation multiples for X Financial and 10K+ public comps| FY 2024 | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|
| EV | $599M | XXX | XXX | XXX |
| EV/Revenue | 0.3x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | XXX | XXX |
| P/E | 0.5x | XXX | XXX | XXX |
| P/E/Growth | n/a | XXX | XXX | XXX |
| EV/FCF | 0.7x | 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.
Sign UpX Financial's NTM/LTM revenue growth is n/a
X Financial's revenue per employee for the last fiscal year averaged $4.1M, while opex per employee averaged n/a for the same period.
Over next 12 months, X Financial's ratio of sales and marketing spend to revenue is estimated to be XXX , while its R&D spend to revenue to be XXX .
Analysts estimate X Financial's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
See operational valuation multiples for X Financial and other 10K+ public comps| FY 2024 | NTM | FY 2025E | FY 2026E | FY 2027E | |
|---|---|---|---|---|---|
| Revenue Growth | 23% | XXX | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | XXX | XXX | XXX |
| Rule of 40 (SaaS-only) | n/a | XXX | XXX | XXX | XXX |
| Revenue per Employee | $4.1M | XXX | XXX | XXX | XXX |
| Opex per Employee | n/a | XXX | XXX | XXX | XXX |
| S&M Expenses to Revenue | 1% | XXX | XXX | XXX | XXX |
| G&A Expenses to Revenue | 10% | XXX | XXX | XXX | XXX |
| R&D Expenses to Revenue | n/a | XXX | XXX | XXX | XXX |
| Opex to Revenue | n/a | XXX | 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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Sign Up| 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 461 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 $554M |
| What is the current revenue growth of X Financial? | X Financial revenue growth between 2023 and 2024 was 23%. |
| Is X Financial profitable? | Yes, X Financial is EBITDA-positive (as of the last 12 months). |
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