NYSE · Financial · Credit Services · China
X Financial ADR is a micro cap company (market value under $300 million) in the Credit Services industry.
Intrinsic value, DCF valuation, financial health and value investing analysis for the X Financial ADR stock.
No reliable verdict: intrinsic value $185.64 per share, market price $4.76 (as of 2026-10-30).
Discounting its cash flows would put the shares at $185.64: 39 times the price of $4.76. A gap that size says more about a model than about the market. It usually means heavy debt, where a small error in the value of the business becomes a large one in the value of the shares, or a business our method does not describe. We do not publish a verdict on this one.
Leak Score: 77/100 on 11 of 12 signals (Clear Leak).
We do not publish a verdict on XYF. Discounting its cash flows would put the shares at $185.64: 39 times the price of $4.76. A gap that size says more about a model than about the market. It usually means heavy debt, where a small error in the value of the business becomes a large one in the value of the shares, or a business our method does not describe. We do not publish a verdict on this one.
We do not publish one (as of the 2026-10-30 close). Discounting its cash flows would put the shares at $185.64: 39 times the price of $4.76. A gap that size says more about a model than about the market. It usually means heavy debt, where a small error in the value of the business becomes a large one in the value of the shares, or a business our method does not describe. We do not publish a verdict on this one.
77 out of 100, which we rate "Clear Leak", on 11 of 12 value investing signals.