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XS Financial Inc.
XSHLFFinancial ServicesOTCUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $11.68M | 1.0% | $116.8K | $618.8K | N/A |
| 2027 | $12.84M | 1.0% | $128.4K | $680.7K | $618.8K |
| 2028 | $14.13M | 1.0% | $141.3K | $748.7K | $618.8K |
| 2029 | $15.54M | 1.0% | $155.4K | $823.6K | $618.8K |
| 2030 | $17.09M | 1.0% | $170.9K | $906.0K | $618.8K |
| 2031 | $18.80M | 1.0% | $188.0K | $996.6K | $618.8K |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | -$0.063 | 2023-12-31 |
| EPS growth | -3.0% | Forecast years: 5 |
| Future EPS | N/A | EPS × (1 + G)^5 |
| Base P/E | 4 | P/E |
| Future price | N/A | Future EPS × P/E |
| Fair value today | N/A | PV @ 10.0% |
| 30% safety price | N/A | Margin of safety |
| 50% safety price | N/A | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | -$0.908 | -$0.887 | -$0.859 |
| 10.0% | -$0.929 | -$0.914 | -$0.894 |
| 11.0% | -$0.946 | -$0.934 | -$0.919 |