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X Financial (XYF)
NYSE: XYF · Real-Time Price · USD
4.900
+0.120 (2.51%)
At close: Sep 17, 2026, 4:00 PM EDT
4.700
-0.200 (-4.08%)
Pre-market: Sep 18, 2026, 4:01 AM EDT

X Financial Financials Overview

Millions CNY. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
5,5997,6395,8724,8153,5633,626
Revenue Growth
-25.37%30.10%21.95%35.14%-1.75%65.37%
Gross Profit
3,3655,2793,9123,0422,0671,587
Operating Income
2,9224,8363,7002,8761,9021,302
Net Income
563.341,4651,5401,187812825.41
Earnings Per Share
14.4635.2231.5024.4815.1214.70
EPS Growth
-62.06%11.81%28.68%61.91%2.86%-

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
1,132987.63984.611,195602.27584.76
Total Debt
425.11455.19368.75615.42132.71190.85
Net Cash (Debt)
706.62532.44615.86579.93469.56393.91
Net Cash Growth
-3.41%-13.55%6.20%23.50%19.20%12.11%
Net Cash Per Share
18.1212.8012.6011.968.747.02

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-1,4681,5231,391626.78449.17
Capital Expenditures
--21.88-14.22-8.47-6.06-2.62
Free Cash Flow
-1,4461,5091,383620.73446.55
Free Cash Flow Growth
--4.21%9.12%122.80%39.01%-

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Gross Margin
60.11%69.10%66.62%63.17%58.01%43.77%
Operating Margin
52.20%63.31%63.02%59.72%53.38%35.89%
Pretax Margin
13.48%22.99%33.13%30.07%33.91%32.93%
Profit Margin
10.06%19.17%26.23%24.65%22.79%22.76%
FCF Margin
-18.92%25.70%28.72%17.42%12.31%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023
Period EndingSep '26 Dec '25 Dec '24 Dec '23
Dividend Per Share
0.5603.9203.0661.191
Dividend Per Share Growth
5.84%27.86%157.33%-
Dividend Yield
11.44%11.14%5.80%5.70%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
2.301.131.871.051.411.27
Forward PE
-3.463.463.463.463.46
P/FCF Ratio
0.881.141.910.901.842.35
PS Ratio
0.230.220.490.260.320.29