X Financial (XYF) P/E Ratio History
ExpensiveTrading at 0.2x vs 5Y avg 0.0x · 100th percentile · Material premium to history · Data 2018–2025
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P/E Ratio Analysis
As of June 28, 2026, X Financial (XYF) trades at a price-to-earnings ratio of 0.2x, with a stock price of $4.95 and trailing twelve-month earnings per share of $221.14.
The current P/E is 283% above its 5-year average of 0.0x. Over the past five years, XYF's P/E has ranged from a low of 0.0x to a high of 0.1x, placing the current valuation at the 100th percentile of its historical range.
Compared to the Financial Services sector median P/E of 14.2x, XYF trades at a 99% discount to its sector peers. The sector includes 801 companies with P/E ratios ranging from 0.0x to 157.7x.
Relative to the broader market, XYF trades at a notable discount to the S&P 500 median P/E of 25.3x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our XYF DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
XYF Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
XYF P/E vs Peers
Consumer Credit Issuers and Installment Lenders peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $2B | 1.3Lowest | 0.04Best | +104%Best | |
| $1B | 3.5 | 0.48 | +3% | |
| $329M | 1.4 | 0.06 | +41% | |
| $158M | 4.9 | - | -79% | |
| $16B | 38.4 | 1.80 | -27% | |
| $34B | 13.4 | - | -52% | |
| $221B | 14.6 | - | -18% | |
| $26B | 6.0 | - | +87% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
XYF Historical P/E Data (2018–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q4 | Dec 31 2025 | $5.60 | $204.24 | 0.0x | -57% |
| FY2025 Q3 | - | $13.76 | $244.08 | 0.1x | -11% |
| FY2025 Q2 | Jun 30 2025 | $17.46 | $230.04 | 0.1x | +20% |
| FY2025 Q1 | Mar 31 2025 | $14.39 | $207.72 | 0.1x | +10% |
| FY2024 Q4 | - | $8.33 | $188.28 | 0.0x | -30% |
| FY2024 Q3 | Sep 30 2024 | $6.60 | $162.96 | 0.0x | -36% |
| FY2024 Q2 | Jun 30 2024 | $4.31 | $158.64 | 0.0x | -57% |
| FY2024 Q1 | Mar 31 2024 | $3.86 | $153.96 | 0.0x | -60% |
| FY2023 Q4 | Dec 31 2023 | $3.66 | $144.96 | 0.0x | -60% |
| FY2023 Q3 | Sep 30 2023 | $4.09 | $153.24 | 0.0x | -58% |
| FY2023 Q2 | Jun 30 2023 | $4.39 | $134.16 | 0.0x | -48% |
| FY2023 Q1 | Mar 31 2023 | $3.12 | $108.96 | 0.0x | -55% |
| FY2022 Q4 | Dec 31 2022 | $3.02 | $88.80 | 0.0x | -46% |
| FY2022 Q3 | Sep 30 2022 | $2.23 | $73.26 | 0.0x | -52% |
| FY2022 Q2 | - | $2.68 | $78.30 | 0.0x | -46% |
| FY2022 Q1 | - | $2.76 | $82.26 | 0.0x | -47% |
| FY2021 Q4 | Dec 31 2021 | $3.01 | $88.02 | 0.0x | -46% |
| FY2020 Q1 | - | $3.15 | $38.94 | 0.1x | +28% |
| FY2019 Q4 | - | $5.07 | $84.36 | 0.1x | -5% |
| FY2019 Q3 | Sep 30 2019 | $6.81 | $102.96 | 0.1x | +5% |
| FY2019 Q2 | Jun 30 2019 | $11.25 | $107.64 | 0.1x | +65% |
| FY2019 Q1 | Mar 31 2019 | $16.80 | $109.68 | 0.2x | +142% |
| FY2018 Q4 | Dec 31 2018 | $12.81 | $103.20 | 0.1x | +96% |
| FY2018 Q3 | Sep 30 2018 | $27.00 | $95.34 | 0.3x | +348% |
Average P/E for displayed period: 0.1x
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
8+ years return with dividends reinvested.
DCA Calculator
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Peer Comparison
Compare growth, multiples, and margins vs sector.
XYF — Frequently Asked Questions
Quick answers to the most common questions about buying XYF stock.
What is XYF's P/E ratio?
X Financial (XYF) trailing twelve-month P/E ratio is 0.2x, based on TTM diluted EPS of $221.14. The 5-year average P/E is 0.0x and the historical range spans 0.0x to 0.1x.
Is XYF stock overvalued or undervalued?
XYF current P/E: 0.2x. 5-year average P/E: 0.0x. Percentile: 100th.
Is XYF stock expensive?
XYF is fairly valued relative to its own history. The current P/E of 0.2x is near the 5-year average of 0.0x (100th percentile of historical range).
What is XYF's historical P/E range?
Over the past 5 years, XYF's P/E ratio has ranged from 0.0x to 0.1x, with a median of 0.0x and an average of 0.0x. The current P/E of 0.2x places the stock at the 100th percentile of this range. Full historical data spans 2018–2025.
How does XYF's P/E compare to the S&P 500?
XYF trades at 0.2x P/E versus the S&P 500 median of 25.3x. The 99% discount to the market suggests lower growth expectations or perceived higher risk.
How does XYF's valuation compare to Financial Services peers?
X Financial P/E of 0.2x compares to the Financial Services sector median of 14.2x. The discount suggests lower growth expectations, weaker margins, or higher perceived risk relative to peers. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is XYF's PEG ratio?
XYF PEG ratio is N/A, based on a P/E of 0.2x and EPS growth of 8.8%. PEG normalises P/E by growth and helps compare stocks with different earnings trajectories.
What is XYF's earnings yield?
XYF earnings yield is 100.00%, the inverse of its 0.2x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.