X Financial (XYF)
NYSE: XYF · Real-Time Price · USD
15.10
-0.56 (-3.58%)
At close: Aug 26, 2025, 4:00 PM
15.10
0.00 (0.00%)
After-hours: Aug 26, 2025, 4:14 PM EDT

X Financial Income Statement

Millions CNY. Fiscal year is Jan - Dec.
Fiscal Year
TTMFY 2024FY 2023FY 2022FY 2021FY 20202017 - 2020
Period Ending
Jun '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 2017 - 2020
Operating Revenue
5,1933,8623,3382,4172,8611,512
Upgrade
Other Revenue
2,3092,0101,4771,146765.28681.21
Upgrade
7,5025,8724,8153,5633,6262,193
Upgrade
Revenue Growth (YoY)
45.10%21.95%35.14%-1.75%65.37%-28.99%
Upgrade
Cost of Revenue
2,0571,9601,7731,4962,0392,317
Upgrade
Gross Profit
5,4453,9123,0422,0671,587-123.75
Upgrade
Selling, General & Admin
199.67175.93153.94143.23208.69214.85
Upgrade
Operating Expenses
260.14211.66166.18165.07285.94336.34
Upgrade
Operating Income
5,1853,7002,8761,9021,302-460.09
Upgrade
Interest Expense
--0.56-20.36---
Upgrade
Interest & Investment Income
19.4517.136.53.7619.7121.72
Upgrade
Earnings From Equity Investments
-57.0951.28-20.65-11.833.34-6.81
Upgrade
Currency Exchange Gain (Loss)
-11.68-9.53-4.02-19.965.1515.4
Upgrade
Other Non Operating Income (Expenses)
25.0411.2849.61170.91-136.99-218.6
Upgrade
EBT Excluding Unusual Items
5,1603,7702,8872,0451,193-648.37
Upgrade
Merger & Restructuring Charges
-2,476-1,582-1,371-833.11--
Upgrade
Gain (Loss) on Sale of Investments
-15.04-0.16-0.09-17.641.220.98
Upgrade
Gain (Loss) on Sale of Assets
0.060.06-0.1500.18-0.06
Upgrade
Other Unusual Items
-443.6-241.74-67.52140.02-960.88
Upgrade
Pretax Income
2,2261,9461,4481,2081,194-1,608
Upgrade
Income Tax Expense
478.43405.7261.13396.07368.74-299.88
Upgrade
Earnings From Continuing Operations
1,7481,5401,187812825.41-1,308
Upgrade
Minority Interest in Earnings
----0-0.04
Upgrade
Net Income
1,7481,5401,187812825.41-1,309
Upgrade
Net Income to Common
1,7481,5401,187812825.41-1,309
Upgrade
Net Income Growth
32.94%29.75%46.16%-1.63%--
Upgrade
Shares Outstanding (Basic)
454848535554
Upgrade
Shares Outstanding (Diluted)
464948545654
Upgrade
Shares Change (YoY)
-6.34%0.87%-9.79%-4.30%4.87%0.47%
Upgrade
EPS (Basic)
39.1731.9924.7115.4015.04-24.44
Upgrade
EPS (Diluted)
38.1231.5024.4815.1214.70-24.44
Upgrade
EPS Growth
41.77%28.68%61.91%2.86%--
Upgrade
Free Cash Flow
-1,5091,383620.73446.55-684.6
Upgrade
Free Cash Flow Per Share
-30.8728.5311.557.95-12.79
Upgrade
Dividend Per Share
3.8523.0661.191---
Upgrade
Dividend Growth
59.70%157.33%----
Upgrade
Gross Margin
72.58%66.62%63.17%58.01%43.77%-5.64%
Upgrade
Operating Margin
69.11%63.02%59.72%53.38%35.89%-20.98%
Upgrade
Profit Margin
23.30%26.23%24.65%22.79%22.76%-59.67%
Upgrade
Free Cash Flow Margin
-25.70%28.72%17.42%12.31%-31.22%
Upgrade
EBITDA
5,1933,7082,8811,9091,310-448.18
Upgrade
EBITDA Margin
69.22%63.14%59.83%53.57%36.11%-20.44%
Upgrade
D&A For EBITDA
8.177.25.266.658.1411.92
Upgrade
EBIT
5,1853,7002,8761,9021,302-460.09
Upgrade
EBIT Margin
69.11%63.02%59.72%53.38%35.89%-20.98%
Upgrade
Effective Tax Rate
21.49%20.85%18.04%32.79%30.88%-
Upgrade
Revenue as Reported
7,5025,8724,8153,5633,6262,193
Upgrade
Advertising Expenses
-8.568.118.497.425.59
Upgrade
Updated Aug 18, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.
SEC Filings: 10-K · 10-Q