XYF (X Financial) YoY EBITDA Growth: -64.23% (As of Jun. 2026)

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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 YoY EBITDA Growth?

X Financial XYF +2.66% 76 YoY EBITDA Growth is -64.23% as of Jun. 2026. GuruFocus rates XYF with a GF Score™ of 76/100 and a GF Value™ of $6.70 (Modestly Undervalued). The stock has 4 warning signs investors should review.

YoY EBITDA Growth is the percentage change of EBITDA per Share over the past twelve months. X Financial's YoY EBITDA Growth for the quarter that ended in Jun. 2026 was -64.23%.

X Financial's EBITDA per Share for the three months ended in Jun. 2026 was $0.75.

X Financial YoY EBITDA Growth Historical Data

* Premium members only.

The historical data trend for X Financial's YoY EBITDA Growth can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

X Financial YoY EBITDA Growth Chart

X Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
YoY EBITDA Growth
Get a 7-Day Free Trial Premium Member Only Premium Member Only 381.82 -21.20 40.39 27.84 6.40

X Financial Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
YoY EBITDA Growth Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 64.65 -17.01 -96.03 -71.34 -64.23
XYF
76GF Score
X Financial XYF
YoY EBITDA Growth is just one metric. See GF Score™, valuation, warning signs, and more.
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X Financial YoY EBITDA Growth Calculation

YoY EBITDA Growth is the percentage change of EBITDA per Share over the past twelve months.

X Financial's YoY EBITDA Growth for the fiscal year that ended in Dec. 2025 is calculated as:

YoY EBITDA Growth (A: Dec. 2025 )
=(EBITDA per Share (A: Dec. 2025 )-EBITDA per Share (A: Dec. 2024 ))/ | EBITDA per Share (A: Dec. 2024 ) |
=(5.551-5.217)/ | 5.217 |
=6.40 %

X Financial's YoY EBITDA Growth for the quarter that ended in Jun. 2026 is calculated as:

YoY EBITDA Growth (Q: Jun. 2026 )
=(EBITDA per Share (Q: Jun. 2026 )-EBITDA per Share (Q: Jun. 2025 )) / | EBITDA per Share (Q: Jun. 2025 )) |
=(0.748-2.091)/ | 2.091 |
=-64.23 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about YoY EBITDA Growth →
What does a YoY EBITDA Growth of -64.23% mean?
X Financial (XYF) has a YoY EBITDA Growth of -64.23% as of Jun. 2026. YoY EBITDA Growth is the percentage change of EBITDA per share over the past 12-month. View historical data for X Financial and its competitors.
Is X Financial's YoY EBITDA Growth too high?
X Financial's current YoY EBITDA Growth is -64.23%. Overall, X Financial has a GF Score™ of 76/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does X Financial's YoY EBITDA Growth compare to CPSS and FOA?
X Financial's YoY EBITDA Growth of -64.23% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good YoY EBITDA Growth for a Credit Services company?
A good YoY EBITDA Growth depends on the Credit Services industry context. However, YoY EBITDA Growth should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high YoY EBITDA Growth mean?
A high YoY EBITDA Growth can signal that a stock is expensive relative to its fundamentals. YoY EBITDA Growth is the percentage change of EBITDA per share over the past 12-month. View historical data for X Financial and its competitors. X Financial's current YoY EBITDA Growth is -64.23%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is X Financial stock overvalued right now?
Based on GuruFocus' analysis, X Financial (XYF) is currently considered Modestly Undervalued. The stock's GF Value™ is $6.70, compared to a current price of $5.40 — trading 19.4% below its estimated fair value. The current YoY EBITDA Growth is -64.23%. X Financial's overall GF Score™ is 76/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is YoY EBITDA Growth calculated?
YoY EBITDA Growth is calculated from a company's financial statements. For X Financial (XYF), the current YoY EBITDA Growth is -64.23% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

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:

  • YoY EBITDA Growth: -64.23%
  • 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

YoY EBITDA Growth is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$5.40
Price
$6.70
GF Value