XYF

XYF — Valuation Models

Interactive models with editable assumptions. All calculations run client-side.

Valuation Summary

ModelIntrinsic Valuevs Price ($4.99)
DCF$12.59+152.3%
Graham Number$62.36+1149.7%
Reverse DCF
DDM$10.92+118.8%
EV/EBITDA$52.19+946.0%

Values reflect default assumptions. Adjust inputs in each model below to update.

1 — Discounted Cash Flow (DCF)

Assumptions

Yahoo: —
Rev: 23.9% / EPS: 30.2%
Default: 9% (no SEC data)

Results

Intrinsic Value / share$12.59
Current Price$4.99
Upside / Downside+152.3%
Net Debt (used)-$287.05M
Sensitivity: WACC (rows) × Near-term g (cols)
WACC \ Near-term22.2%26.2%30.2%34.2%38.2%
7.0%$12.59$12.59$12.59$12.59$12.59
8.0%$12.59$12.59$12.59$12.59$12.59
9.0%$12.59$12.59$12.59$12.59$12.59
10.0%$12.59$12.59$12.59$12.59$12.59
11.0%$12.59$12.59$12.59$12.59$12.59

2 — Graham Number

Assumptions

Graham used 22.5 (15× P/E × 1.5× P/B)
Yahoo: $5.95
Yahoo: $29.05

Results

Graham Number$62.36
Current Price$4.99
Margin of Safety+1149.7%
Formula: √(22.5 × max(0,EPS) × max(0,BVPS))

3 — Reverse DCF (Implied Growth)

Assumptions

Default: 9% (no SEC data)

Results

Reverse DCF requires positive TTM free cash flow.
Current Price$4.99
Implied Near-term FCF Growth
Historical Revenue Growth23.9%
Historical Earnings Growth30.2%
Base FCF (TTM)
Implied growth is the FCF growth rate (yrs 1–5) that makes the DCF intrinsic value equal the current price. Long-term growth is set to half the implied near-term rate.

4 — Dividend Discount Model (DDM)

Assumptions

Yahoo: $0.53

Results

DDM Intrinsic Value / share$10.92
Current Price$4.99
Upside / Downside+118.8%
Formula: D0 × (1+g) / (r − g)

5 — EV/EBITDA Multiple

Assumptions

Yahoo: $5.34B
Current: 0.2×
Default: -$287.05M

Results

Implied Equity Value / share$52.19
Current Price$4.99
Upside / Downside+946.0%
Implied EV$903.18M
Sensitivity: EV/EBITDA multiple (rows) × Net Debt (cols)
Mult \ Net Debt-$2.29B-$1.29B-$287.05M$712.95M$1.71B
-3.8x$-797.53$-841.38$-885.24$-929.09$-972.94
-1.8x$-328.82$-372.67$-416.52$-460.37$-504.23
0.2x$139.90$96.05$52.19$8.34$-35.51
2.2x$608.61$564.76$520.91$477.06$433.21
4.2x$1077.33$1033.48$989.63$945.77$901.92