X FinancialXYF.NValuation Analysis
Based on the blended 10-year P/E and P/B percentiles, the stock currently sits in the “Fair Value Range” zone.
As of Oct 16, 2026, X Financial (XYF.N) trades at a P/E of 2.21x, P/B of 0.16x, P/S of 0.22x, and a dividend yield of 11.08%.
Longitudinal percentile comparison: P/E sits at the 64th percentile over the trailing 10Y window (vs. 79th percentile over 3Y); P/B sits at the 4th percentile over the trailing 10Y window (vs. 7th percentile over 3Y); P/S sits at the 10th percentile over the trailing 10Y window (vs. 24th percentile over 3Y).
Cross-sectional valuation: its P/E ranks at the 2nd percentile within its industry and the 2nd percentile across the broader market.
Shareholder return highlight: Total Shareholder Yield is 68.14%, ranking at the 99th percentile over the trailing 20Y window.
Notably, P/E and P/B aren't telling quite the same story, 60.4 points apart — worth checking the full percentile matrix on this page for the complete picture. Its P/E percentile is roughly the same whether measured against the industry or the broader market. Of the 68.14% total shareholder yield, 11.08% is paid out as dividends and roughly 57.06% is implied to come from buybacks — both channels are meaningfully in play. X Financial operates in the Finance, Insurance, And Real Estate sector. Data refreshes weekly and is for reference only, not investment advice.
Also listed as: NYSE: XYF · XYF
Want the full picture on whether X Financial (XYF.N) is under- or over-valued? See the full 3Y / 5Y / 10Y / 20Y P/E, P/B, P/S, Dividend Yield & Total Shareholder Yield percentile matrix and the interactive ECharts trend chart on this page.
Historical Percentiles by Metric
| Metric | Current | Market Percentile | Industry Percentile | 3Y Pctl | 5Y Pctl | 10Y Pctl | 20Y Pctl |
|---|---|---|---|---|---|---|---|
| P/E (TTM) | 2.21 | ||||||
| P/B (MRQ) | 0.16 | ||||||
| P/S (TTM) | 0.22 | ||||||
| Dividend Yield | 11.08% | ||||||
| Buyback + Div Yield | 68.14% |