X Financial (XYF)
NYSE: XYF · Real-Time Price · USD
5.26
+0.15 (2.94%)
At close: Feb 6, 2026, 4:00 PM EST
5.27
+0.01 (0.19%)
After-hours: Feb 6, 2026, 7:00 PM EST
X Financial Income Statement
Financials in millions CNY. Fiscal year is January - December.
Millions CNY. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 |
Operating Revenue | 5,371 | 3,862 | 3,338 | 2,417 | 2,861 | 1,512 |
Other Revenue | 2,509 | 2,010 | 1,477 | 1,146 | 765.28 | 681.21 |
| 7,880 | 5,872 | 4,815 | 3,563 | 3,626 | 2,193 | |
Revenue Growth (YoY) | 47.14% | 21.95% | 35.14% | -1.75% | 65.37% | -28.99% |
Cost of Revenue | 2,226 | 1,960 | 1,773 | 1,496 | 2,039 | 2,317 |
Gross Profit | 5,654 | 3,912 | 3,042 | 2,067 | 1,587 | -123.75 |
Selling, General & Admin | 202.29 | 175.93 | 153.94 | 143.23 | 208.69 | 214.85 |
Operating Expenses | 318.66 | 211.66 | 166.18 | 165.07 | 285.94 | 336.34 |
Operating Income | 5,336 | 3,700 | 2,876 | 1,902 | 1,302 | -460.09 |
Interest Expense | - | -0.56 | -20.36 | - | - | - |
Interest & Investment Income | 23.95 | 17.13 | 6.5 | 3.76 | 19.71 | 21.72 |
Earnings From Equity Investments | -8.3 | 51.28 | -20.65 | -11.83 | 3.34 | -6.81 |
Currency Exchange Gain (Loss) | -16.83 | -9.53 | -4.02 | -19.96 | 5.15 | 15.4 |
Other Non Operating Income (Expenses) | 140.4 | 11.28 | 49.61 | 170.91 | -136.99 | -218.6 |
EBT Excluding Unusual Items | 5,475 | 3,770 | 2,887 | 2,045 | 1,193 | -648.37 |
Merger & Restructuring Charges | -2,494 | -1,582 | -1,371 | -833.11 | - | - |
Gain (Loss) on Sale of Investments | -10.38 | -0.16 | -0.09 | -17.64 | 1.22 | 0.98 |
Gain (Loss) on Sale of Assets | 0.06 | 0.06 | -0.15 | 0 | 0.18 | -0.06 |
Other Unusual Items | -719.32 | -241.74 | -67.52 | 14 | 0.02 | -960.88 |
Pretax Income | 2,251 | 1,946 | 1,448 | 1,208 | 1,194 | -1,608 |
Income Tax Expense | 458.28 | 405.7 | 261.13 | 396.07 | 368.74 | -299.88 |
Earnings From Continuing Operations | 1,793 | 1,540 | 1,187 | 812 | 825.41 | -1,308 |
Minority Interest in Earnings | - | - | - | - | 0 | -0.04 |
Net Income | 1,793 | 1,540 | 1,187 | 812 | 825.41 | -1,309 |
Net Income to Common | 1,793 | 1,540 | 1,187 | 812 | 825.41 | -1,309 |
Net Income Growth | 33.48% | 29.75% | 46.16% | -1.63% | - | - |
Shares Outstanding (Basic) | 43 | 48 | 48 | 53 | 55 | 54 |
Shares Outstanding (Diluted) | 44 | 49 | 48 | 54 | 56 | 54 |
Shares Change (YoY) | -10.76% | 0.87% | -9.79% | -4.30% | 4.87% | 0.47% |
EPS (Basic) | 42.07 | 31.99 | 24.71 | 15.40 | 15.04 | -24.44 |
EPS (Diluted) | 40.74 | 31.50 | 24.48 | 15.12 | 14.70 | -24.44 |
EPS Growth | 49.84% | 28.68% | 61.91% | 2.86% | - | - |
Free Cash Flow | - | 1,509 | 1,383 | 620.73 | 446.55 | -684.6 |
Free Cash Flow Per Share | - | 30.87 | 28.53 | 11.55 | 7.95 | -12.79 |
Dividend Per Share | 3.882 | 3.066 | 1.191 | - | - | - |
Dividend Growth | 63.82% | 157.33% | - | - | - | - |
Gross Margin | 71.75% | 66.62% | 63.17% | 58.01% | 43.77% | -5.64% |
Operating Margin | 67.71% | 63.02% | 59.72% | 53.38% | 35.89% | -20.98% |
Profit Margin | 22.75% | 26.23% | 24.65% | 22.79% | 22.76% | -59.67% |
Free Cash Flow Margin | - | 25.70% | 28.72% | 17.42% | 12.31% | -31.22% |
EBITDA | 5,344 | 3,708 | 2,881 | 1,909 | 1,310 | -448.18 |
EBITDA Margin | 67.82% | 63.14% | 59.83% | 53.57% | 36.11% | -20.44% |
D&A For EBITDA | 8.65 | 7.2 | 5.26 | 6.65 | 8.14 | 11.92 |
EBIT | 5,336 | 3,700 | 2,876 | 1,902 | 1,302 | -460.09 |
EBIT Margin | 67.71% | 63.02% | 59.72% | 53.38% | 35.89% | -20.98% |
Effective Tax Rate | 20.36% | 20.85% | 18.04% | 32.79% | 30.88% | - |
Revenue as Reported | 7,880 | 5,872 | 4,815 | 3,563 | 3,626 | 2,193 |
Advertising Expenses | - | 8.56 | 8.11 | 8.49 | 7.4 | 25.59 |
Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.