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X Financial Valuation Multiples
Discover revenue and EBITDA valuation multiples for X Financial and similar public comparables like Yiren Digital, Instabank, Finance of America, Multitude and more.
X Financial Overview
About X Financial
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.
Founded
2015
HQ
Employees
563
Website
Financials (FY)
EV
$245M
X Financial Financials
X Financial reported last fiscal year revenue of $375M.
In the same fiscal year, X Financial generated $226M in net income.
X Financial P&L
In the most recent fiscal year, X Financial reported revenue of $375M and net income of $226M.
X Financial expects next 12-month revenue of XXX and NTM EBITDA of XXX
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue | — | XXX | $375M | XXX | XXX | XXX |
| Net Profit | — | XXX | $226M | XXX | XXX | XXX |
| Net Margin | — | XXX | 60% | XXX | XXX | XXX |
Financial data powered by Morningstar, Inc.
X Financial Stock Performance
X Financial has current market cap of $185M, and enterprise value of $245M.
Market Cap Evolution
X Financial's stock price is $4.73.
| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $245M | $185M | 0.0% | XXX | XXX | XXX | $5.78 |
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Start Free TrialX Financial Valuation Multiples
X Financial trades at 0.7x EV/Revenue multiple.
X Financial Financial Valuation Multiples
As of April 20, 2026, X Financial has market cap of $185M and EV of $245M.
Equity research analysts estimate X Financial's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
X Financial has a P/E ratio of 0.8x.
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $185M | XXX | $185M | XXX | XXX | XXX |
| EV (current) | $245M | XXX | $245M | XXX | XXX | XXX |
| EV/Revenue | — | XXX | 0.7x | XXX | XXX | XXX |
| P/E | — | XXX | 0.8x | XXX | XXX | XXX |
| EV/FCF | — | XXX | 1.1x | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Verified X Financial Valuation Multiples
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2027, based on consensus analyst estimates. Powered by FactSet and Morningstar.
X Financial Margins & Growth Rates
X Financial's revenue in the last fiscal year grew by 36%.
X Financial's revenue per employee in the last FY averaged $0.7M.
X Financial Operational Valuation Multiples
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue Growth | — | XXX | 36% | XXX | XXX | XXX |
| Revenue per Employee | — | XXX | $0.7M | XXX | XXX | XXX |
| G&A Expenses to Revenue | — | XXX | 7% | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
X Financial Public Comps
See public comps and valuation multiples for other Consumer Finance and Online Lending comps.
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| LTM | 2026E | 2027E | LTM | 2026E | 2027E | |
| X Financial | XXX | XXX | XXX | XXX | XXX | XXX |
| Yiren Digital | XXX | XXX | XXX | XXX | XXX | XXX |
| Instabank | XXX | XXX | XXX | XXX | XXX | XXX |
| Finance of America | XXX | XXX | XXX | XXX | XXX | XXX |
| Multitude | XXX | XXX | XXX | XXX | XXX | XXX |
| Findep | 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 M&A Activity
X Financial acquired XXX companies to date.
Last acquisition by X Financial was on XXXXXXXX, XXXXX. X Financial acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Acquisitions by X Financial
| Acquired Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialX Financial Investment Activity
X Financial invested in XXX companies to date.
X Financial made its latest investment on XXXXXXXX, XXXXX. X Financial invested in XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Investments by X Financial
| Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialAbout X Financial
| When was X Financial founded? | X Financial was founded in 2015. |
| Where is X Financial headquartered? | X Financial is headquartered in China. |
| How many employees does X Financial have? | As of today, X Financial has over 563 employees. |
| Who is the CEO of X Financial? | X Financial's CEO is Yue Justin Tang. |
| Is X Financial publicly listed? | Yes, X Financial is a public company listed on NYSE. |
| 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? | X Financial main competitors are Yiren Digital, Instabank, Finance of America, Multitude. |
| What is the current market cap of X Financial? | X Financial's current market cap is $185M. |
| What is the current revenue of X Financial? | X Financial's last fiscal year revenue is $375M. |
| What is the current EV/Revenue multiple of X Financial? | Current revenue multiple of X Financial is 0.7x. |
| Is X Financial profitable? | No, X Financial is not profitable. |
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