Risk factor
Very high price volatility
Profitability factor
Greatly undervalued vs peers
About
X Financial provides personal finance services in the People's Republic of China. The company offers services as an online marketplace connecting borrowers and investors. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners, as well as Xiaoying revolving loan. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as loans, money market, and insurance products; and loan facilitation services to other platforms. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.
Company Valuation
Based on key historical and expected multiples, the stock is greatly undervalued relative to its peers. In particular, the stock is underpriced on P/E. Editor's note: P