X Financial (XYF) - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization

Public company logo of X Financial Inc. (XYF)

The price evolution of X Financial (XYF) demonstrates EV/EBITDA dynamics, which currently stand at 0.00. The business is disrupting the Chinese lending market by implementing AI scoring for banks via a lightweight IT model. Management is betting on advanced algorithms and the expansion of partnerships while maintaining high margins. A stable profit stream is secured by the inertia of a massive customer base, which supports sustained demand for fintech services.

X Financial Inc. - XYF Company Value to EBITDA (period 11/23/2025 - 11/10/2026)

xiaoyinggroup.com - analytical breakdowns and key metrics (XYF)

- stock price and consensus target price:
Stock Quotes Xiaoying Group|XYF - Fair Value Consensus
- market capitalization indicators:
Market Value X Financial Corp|XYF - Total Company Value
- book value of equity indicators:
Book Value per Share X Financial|XYF - Total Stockholders' Equity|Market Value to Book Value Ratio xiaoyinggroup.com|XYF - Total Business Assets
- business debt structure and liquidity details:
Total Debt to Capital X Financial|XYF - Long-Term Debt to Capital Ratio|Short-Term Debt to Capital Xiaoying Group|XYF - Company Total Debt Obligations|Debt to Book Capitalization Ratio X Financial Corp|XYF - Company Long-Term Indebtedness|Company Short-Term Debts X Financial|Quick Liquidity Indicator xiaoyinggroup.com
- financial results and valuation multiples details:
XYF - Company Profit|Future Profit X Financial|XYF - Company Value to Net Income|Forward P/E Multiple Xiaoying Group|XYF - Market Cap to Earnings and Growth Ratio|EV/EBITDA Multiple X Financial Corp|XYF - Operating income before deduction of amortization|Earnings per share for the last twelve months X Financial|XYF - Earnings per share for the last 12 months|Quarterly EPS earnings growth xiaoyinggroup.com|XYF - Earnings growth in current year|Net earnings per share growth forecast for next year X Financial
Comprehensive company analysis:XYF (X Financial Corp)
Product sample of xiaoyinggroup.com

This indicator compares the total value of assets and liabilities with operating profit before taxes and amortization. For X Financial (XYF), this metric is critical, as AI scoring must compensate for low pricing power amid microcredit regulations. By analyzing the business's EV/EBITDA value on GURU.Markets, an investor can filter out market noise. A steady decline in this ratio confirms the growth of the model's efficiency rather than its degradation.

Competitor analysis for X Financial

Synchrony Financial Corp - Enterprise Value to EBITDA Ratio|Business Value to Operating Income Before Depreciation KLAR|OMF - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|UPST: Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|CACC: EV/EBITDA Multiple|Company Value to EBITDA 360 DigiTech (QFIN)|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Sezzle Corp|Enterprise Value to Operating Income Before Depreciation BFH (Alliance Data Systems)|EV/EBITDA Multiple PRG|ir.finvgroup.com - Enterprise Value to Operating Income Before Depreciation|EV/EBITDA Multiple ATLC (Atlanticus Holdings Corp)|Total Company Value to Operating Income Before Depreciation Ratio Jefferson Capital, Inc. (JCAP)|TREE - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|OPFI (OppFi Corp) - Enterprise Value to Operating Income Before Depreciation|WRLD: EV/EBITDA Multiple|Enterprise Value to EBITDA Multiple lexin.com LX|Enterprise Value to EBITDA Ratio CANG|Enterprise Value to Operating Income Before Depreciation YRD (Yirendai)|Enterprise Value to EBITDA Ratio RM (Regional Finance)|QD (Qudian Group) - Business Value to Operating Income Before Depreciation|EV/EBITDA Multiple OPRT (Oportun Financial)|JFIN (Jiayin Group Inc) - Company Value to Operating Income Before Depreciation Ratio|Consumer Portfolio Services, Inc. - EV/EBITDA Multiple|Total Company Value to Operating Income Before Depreciation Ratio Katapult Holdings, Inc. KPLT|moneyherogroup.com (MNY) - Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization|Enterprise Value to Operating Income Before Depreciation JFU|FPAY (FlexShopper, Inc.) - EV/EBITDA Multiple|EV/EBITDA Multiple ir.nisun-nasdaq.com|Enterprise Value to Earnings Before Interest, Taxes, Depreciation and Amortization Nicholas Financial, Inc. (NICK)