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X Financial (XYF)
NYSE: XYF · Real-Time Price · USD
4.960
-0.020 (-0.40%)
At close: Jul 28, 2026, 4:00 PM EDT
4.970
+0.010 (0.20%)
After-hours: Jul 28, 2026, 7:34 PM EDT

X Financial Financials Overview

Millions CNY. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
6,8787,6395,8724,8153,5633,626
Revenue Growth
4.19%30.10%21.95%35.14%-1.75%65.37%
Gross Profit
6,8787,6395,8724,8153,5633,626
Operating Income
1,1981,6301,8741,4621,2141,311
Net Income
1,0441,4651,5401,187812825.41
Earnings Per Share
24.4835.2231.5024.4815.1214.70
EPS Growth
-29.29%11.81%28.68%61.91%2.86%-

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
1,021987.63984.611,195602.27584.76
Total Debt
353.87409.53328.556570.21166.5
Net Cash (Debt)
667.36578.1656.11630.35532.06418.26
Net Cash Growth
-15.09%-11.89%4.09%18.47%27.21%5.66%
Net Cash Per Share
16.1813.9013.4213.009.907.45

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
1,4681,4681,5231,391322.7449.17
Capital Expenditures
-21.88-21.88-14.22-8.47-6.06-2.62
Free Cash Flow
1,4461,4461,5091,383316.65446.55
Free Cash Flow Growth
223.74%-4.21%9.12%336.76%-29.09%-

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
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%
Pretax Margin
19.35%22.91%32.26%30.50%34.24%32.84%
Profit Margin
15.18%19.17%26.23%24.65%22.79%22.76%
FCF Margin
0.00%18.92%25.70%28.72%8.89%12.31%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023
Period EndingJul '26 Dec '25 Dec '24 Dec '23
Dividend Per Share
0.5603.9203.0661.191
Dividend Per Share Growth
124.79%27.86%157.33%-
Dividend Yield
11.25%9.71%3.99%4.69%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
0.991.111.931.061.381.30
Forward PE
-3.463.463.463.463.46
P/FCF Ratio
0.891.061.685.5018.942.35
PS Ratio
0.170.200.431.581.680.29