XYF (X Financial) Dividend-Payout-to-FFO

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XYF X Financial XYF
76 GF Score
Price $5.40
GF Value $6.70
Valuation Modestly Undervalued
! 4 Warning Signs
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What is X Financial Dividend-Payout-to-FFO?

Dividend-Payout-to-FFO only applies to REITs.

XYF
76GF Score
X Financial XYF
Dividend-Payout-to-FFO is just one metric. See GF Score™, valuation, warning signs, and more.
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Is X Financial (XYF) Overvalued in 2026?

Based on GuruFocus' analysis, X Financial stock appears to be undervalued. The current stock price of $5.40 is trading 19.4% below its estimated GF Value™ of $6.70. GuruFocus considers X Financial to be Modestly Undervalued.

Key valuation signals for XYF:

  • Dividend-Payout-to-FFO:
  • GF Value™: $6.70 vs. price of $5.40 (19.4% below fair value)
  • GF Score™: 76/100 with 4 warning signs

No single metric tells the full story. See the XYF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

X Financial Business Description

Address No. 168, Haide Third Avenue, 7-8 Floors, Block A, Aerospace Science and Technology Plaza, Nanshan District, Shenzhen, CHN, 518067
X Financial is a Cayman Islands-based technology-driven personal finance company. Along with its subsidiaries, the firm provides diversified investment opportunities to investors in China through its wealth management platform, Xiaoying Wealth Management. Loan products offered by the company include Xiaoying Card Loan, Xiaoying Preferred Loan, and Xiaoying Housing Loan. The company generates revenue from loan facilitation service, post-origination service, guarantee services provided and financing income.
76GF Score

Get the complete analysis for XYF

Dividend-Payout-to-FFO is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$5.40
Price
$6.70
GF Value