X Financial (XYF)

X Financial Income Statement

Financials in millions CNY. Fiscal year is January - December.

Year Ending	TTM	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Revenue	5,018	4,815	3,563	3,626	2,193	3,088
Revenue Growth (YoY)	36.37%	35.14%	-1.75%	65.37%	-28.99%	-12.78%
Cost of Revenue	2,663	2,870	2,127	1,963	2,072	1,635
Gross Profit	2,355	1,945	1,436	1,663	121.45	1,453
Selling, General & Admin	438.22	199.05	186.97	208.69	214.85	330.64
Other Operating Expenses	406.94	308.3	166.94	143.73	1,337	310.01
Operating Expenses	845.16	507.36	353.91	352.42	1,552	640.65
Operating Income	1,510	1,438	1,082	1,311	-1,430.32	812.58
Interest Expense / Income	-18.07	-20.36	3.76	19.71	21.72	19.39
Other Expense / Income	0.77	21.82	-122.82	97.19	156.34	112.02
Pretax Income	1,527	1,436	1,201	1,194	-1,608.38	681.17
Income Tax	261.9	249.44	389.36	368.74	-299.88	-93.1
Net Income	1,266	1,187	812	825.41	-1,308.5	774.28
Net Income Growth	32.33%	46.16%	-1.62%	-	-	-12.32%
Shares Outstanding (Basic)	294	288	316	329	321	314
Shares Outstanding (Diluted)	297	291	322	337	321	320
Shares Change	0.87%	-9.79%	-4.30%	4.87%	0.47%	5.19%
EPS (Basic)	26.22	24.72	15.42	15.06	-24.42	14.82
EPS (Diluted)	25.74	24.48	15.12	14.70	-24.42	14.52
EPS Growth	39.29%	61.90%	2.86%	-	-	-16.84%
Free Cash Flow	-	805.69	316.65	446.79	-684.52	585.54
Free Cash Flow Per Share	-	16.78	6.00	8.14	-12.79	11.20
Dividend Per Share	0.170	0.170	-	-	-	0.300
Gross Margin	46.94%	40.40%	40.31%	45.87%	5.54%	47.06%
Operating Margin	30.10%	29.86%	30.38%	36.15%	-65.22%	26.31%
Profit Margin	25.22%	24.65%	22.79%	22.76%	-59.67%	25.07%
Free Cash Flow Margin	-	16.73%	8.89%	12.32%	-31.21%	18.96%
Effective Tax Rate	17.15%	17.37%	32.41%	30.88%	-	-13.67%
EBITDA	-	1,421	1,212	1,222	-1,574.74	711.94
EBITDA Margin	-	29.52%	34.01%	33.70%	-71.81%	23.05%
Depreciation & Amortization	-	5.26	6.65	8.14	11.92	11.38
EBIT	1,509	1,416	1,205	1,214	-1,586.66	700.56
EBIT Margin	30.08%	29.41%	33.82%	33.47%	-72.35%	22.69%

Source: Financials are provided by Nasdaq Data Link and sourced from audited reports submitted to the Securities and Exchange Commission (SEC).