Discounted Cash Flow
X Financial ADR
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $0 | $-17.7m | $12.0m | — | $-0.50 |
| 2017 | $1.8b | $50.4m (384.6%) | $-94.1m (-886.0%) | 2.8% | $1.30 (360.0%) |
| 2018 | $515.0m (-71.2%) | $19.0m (-62.3%) | $-39.2k (100.0%) | 3.7% (31.0%) | $0.45 (-65.4%) |
| 2019 | $443.6m (-13.9%) | $16.5m (-13.4%) | $88.6m (225925.2%) | 3.7% (0.5%) | $0.35 (-22.2%) |
| 2020 | $336.1m (-24.2%) | $-29.7m (-280.3%) | $-100.6m (-213.6%) | -8.8% (-338.0%) | $-0.62 (-277.1%) |
| 2021 | $569.1m (69.3%) | $19.2m (164.6%) | $66.4m (166.0%) | 3.4% (138.1%) | $0.39 (162.9%) |
| 2022 | $516.6m (-9.2%) | $17.4m (-9.1%) | $47.6m (-28.3%) | 3.4% (0.1%) | $0.37 (-5.1%) |
| 2023 | $678.2m (31.3%) | $24.7m (42.0%) | $120.3m (152.6%) | 3.6% (8.2%) | $0.58 (56.8%) |
| 2024 | $804.4m (18.6%) | $31.2m (26.2%) | $225.2m (87.2%) | 3.9% (6.4%) | $0.73 (25.9%) |
| 2025 | $1.1b (35.8%) | $31.0m (-0.7%) | $216.7m (-3.7%) | 2.8% (-26.9%) | $0.86 (17.8%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
SEC filings report in CNY. Values above are converted to USD for comparison with the US-listed share price.
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.