X Financial
NYSE:XYF

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X Financial
NYSE:XYF
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Price: 5.21 USD -9.23% Market Closed
Market Cap: $219.9m

Relative Value

There is not enough data to reliably calculate the relative value of XYF.

Relative Value is the estimated value of a stock based on various valuation multiples like P/E and EV/EBIT ratios. It offers a quick snapshot of a stock's valuation in relation to its peers and historical norms.

XYF Relative Value
Base Case
Not Available
Worst Case
Base Case
Best Case

Multiples Across Competitors

XYF Competitors Multiples
X Financial Competitors

All Multiples
P/S
P/E
EV/EBITDA
EV/EBIT
All Countries
Close
Market Cap P/S P/E EV/EBITDA EV/EBIT
CN
X Financial
NYSE:XYF
219.9m USD 0.2 0.8 8.3 8.3
US
American Express Co
NYSE:AXP
242.8B USD 3.2 23.3 26.3 29.7
US
Capital One Financial Corp
NYSE:COF
136.7B USD 2.6 62.7 0 0
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
5.8T INR 7.6 31.6 26.7 27.5
US
Discover Financial Services
NYSE:DFS
50.3B USD 2.3 9.1 0 0
US
SoFi Technologies Inc
NASDAQ:SOFI
27.1B USD 8.2 42.3 0 0
US
Synchrony Financial
NYSE:SYF
25.2B USD 1.3 7.3 0 0
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
1.9T INR 4.1 21 23.3 24.2
IN
Muthoot Finance Ltd
NSE:MUTHOOTFIN
1.5T INR 6.4 21.3 24.5 24.8
KZ
Kaspi.kz AO
NASDAQ:KSPI
14.6B USD 0 0 0 0
IN
Tata Capital Ltd
NSE:TATACAP
1.4T INR 4.1 32.4 12.5 12.7
EV/EBITDA Multiple
EBITDA Growth EV/EBITDA to Growth
CN
X Financial
NYSE:XYF
Average EV/EBITDA: 20.3
8.3
N/A N/A
US
American Express Co
NYSE:AXP
26.3
21%
1.3
US
Capital One Financial Corp
NYSE:COF
Not Available N/A N/A
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
26.7
N/A N/A
US
Discover Financial Services
NYSE:DFS
Not Available N/A N/A
US
SoFi Technologies Inc
NASDAQ:SOFI
Not Available N/A N/A
US
Synchrony Financial
NYSE:SYF
Not Available N/A N/A
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
23.3
3%
7.8
IN
Muthoot Finance Ltd
NSE:MUTHOOTFIN
24.5
15%
1.6
KZ
K
Kaspi.kz AO
NASDAQ:KSPI
Not Available N/A N/A
IN
Tata Capital Ltd
NSE:TATACAP
12.5
N/A N/A
EV/EBIT Multiple
EBIT Growth EV/EBIT to Growth
CN
X Financial
NYSE:XYF
Average EV/EBIT: 21.2
8.3
N/A N/A
US
American Express Co
NYSE:AXP
29.7
25%
1.2
US
Capital One Financial Corp
NYSE:COF
Not Available N/A N/A
IN
Bajaj Finance Ltd
NSE:BAJFINANCE
27.5
22%
1.3
US
Discover Financial Services
NYSE:DFS
Not Available N/A N/A
US
SoFi Technologies Inc
NASDAQ:SOFI
Not Available N/A N/A
US
Synchrony Financial
NYSE:SYF
Not Available N/A N/A
IN
Shriram Finance Ltd
NSE:SHRIRAMFIN
24.2
15%
1.6
IN
Muthoot Finance Ltd
NSE:MUTHOOTFIN
24.8
24%
1
KZ
K
Kaspi.kz AO
NASDAQ:KSPI
Not Available N/A N/A
IN
Tata Capital Ltd
NSE:TATACAP
12.7
-16%
N/A