X Financial (XYF)
NYSE: XYF · Real-Time Price · USD
4.845
+0.145 (3.09%)
Jun 18, 2026, 2:21 PM EDT - Market open
X Financial Income Statement
Financials in millions CNY. Fiscal year is January - December.
Millions CNY. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
| 6,878 | 7,639 | 5,872 | 4,815 | 3,563 | 3,626 | |
Revenue Growth (YoY) | 4.19% | 30.10% | 21.95% | 35.14% | -1.75% | 65.37% |
Gross Profit | 6,878 | 7,639 | 5,872 | 4,815 | 3,563 | 3,626 |
Selling, General & Admin | 1,908 | 2,402 | 1,758 | 1,525 | 976.34 | 208.69 |
Other Operating Expenses | 3,772 | 3,607 | 2,240 | 1,828 | 1,373 | 1,929 |
Total Operating Expenses | 5,680 | 6,009 | 3,998 | 3,353 | 2,349 | 2,138 |
Operating Income | 1,198 | 1,630 | 1,874 | 1,462 | 1,214 | 1,311 |
Interest Income | 7.31 | 29.51 | 22.33 | 10.3 | - | - |
Interest Expense | -2.07 | -18.85 | -22.89 | -30.66 | - | - |
Other Non-Operating Income (Expense) | 88.62 | 115.47 | 72.4 | 6.17 | -5.71 | 60.7 |
Total Non-Operating Income (Expense) | 93.87 | 126.12 | 71.84 | -14.19 | -5.71 | 60.7 |
Pretax Income | 1,331 | 1,750 | 1,894 | 1,469 | 1,220 | 1,191 |
Provision for Income Taxes | 247.33 | 291.65 | 405.7 | 261.13 | 396.07 | 368.74 |
Net Income | 1,044 | 1,465 | 1,540 | 1,187 | 812 | 825.41 |
Minority Interest in Earnings | - | - | - | - | - | -0 |
Net Income to Common | 1,044 | 1,465 | 1,540 | 1,187 | 812 | 825.41 |
Net Income Growth | -36.12% | -4.89% | 29.75% | 46.16% | -1.63% | - |
Shares Outstanding (Basic) | 40 | 41 | 48 | 48 | 53 | 55 |
Shares Outstanding (Diluted) | 41 | 42 | 49 | 48 | 54 | 56 |
Shares Change (YoY) | -13.32% | -14.95% | 0.87% | -9.79% | -4.30% | 4.87% |
EPS (Basic) | 25.56 | 36.00 | 31.98 | 24.72 | 15.42 | 15.06 |
EPS (Diluted) | 24.48 | 35.22 | 31.50 | 24.48 | 15.12 | 14.70 |
EPS Growth | -29.29% | 11.81% | 28.68% | 61.91% | 2.86% | - |
Free Cash Flow | - | 1,446 | 1,509 | 1,383 | 316.65 | 446.55 |
Free Cash Flow Growth | - | -4.21% | 9.12% | 336.76% | -29.09% | - |
Free Cash Flow Per Share | - | 34.77 | 30.87 | 28.53 | 5.89 | 7.95 |
Dividends Per Share | - | 3.920 | 3.066 | 1.191 | - | - |
Dividend Growth | - | 27.86% | 157.33% | - | - | - |
Gross Margin | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
Operating Margin | 17.42% | 21.34% | 31.91% | 30.37% | 34.07% | 36.15% |
Profit Margin | 15.18% | 19.17% | 26.23% | 24.65% | 22.79% | 22.76% |
FCF Margin | - | 18.92% | 25.70% | 28.72% | 8.89% | 12.31% |
EBITDA | 1,198 | 1,641 | 1,881 | 1,467 | 1,220 | 1,319 |
EBITDA Margin | 17.42% | 21.48% | 32.03% | 30.48% | 34.25% | 36.38% |
EBIT | 1,198 | 1,630 | 1,874 | 1,462 | 1,214 | 1,311 |
EBIT Margin | 17.42% | 21.34% | 31.91% | 30.37% | 34.07% | 36.15% |
Effective Tax Rate | 18.58% | 16.67% | 21.42% | 17.78% | 32.47% | 30.97% |