X Financial (XYF)

NYSE: XYF · Real-Time Price · USD

4.960

+0.100 (2.06%)

At close: Nov 4, 2026, 4:00 PM EST

4.950

-0.010 (-0.20%)

After-hours: Nov 4, 2026, 7:45 PM EST

X Financial Financials Overview

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

Millions CNY. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Revenue	5,599	7,639	5,872	4,815	3,563	3,626
Revenue Growth	-25.37%	30.10%	21.95%	35.14%	-1.75%	65.37%
Gross Profit	3,365	5,279	3,912	3,042	2,067	1,587
Operating Income	2,922	4,836	3,700	2,876	1,902	1,302
Net Income	563.34	1,465	1,540	1,187	812	825.41
Earnings Per Share	14.46	35.22	31.50	24.48	15.12	14.70
EPS Growth	-62.06%	11.81%	28.68%	61.91%	2.86%	-

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Cash & Investments	1,132	987.63	984.61	1,195	602.27	584.76
Total Debt	425.11	455.19	368.75	615.42	132.71	190.85
Net Cash (Debt)	706.62	532.44	615.86	579.93	469.56	393.91
Net Cash Growth	-3.41%	-13.55%	6.20%	23.50%	19.20%	12.11%
Net Cash Per Share	18.12	12.80	12.60	11.96	8.74	7.02

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Operating Cash Flow	-	1,468	1,523	1,391	626.78	449.17
Capital Expenditures	-	-21.88	-14.22	-8.47	-6.06	-2.62
Free Cash Flow	-	1,446	1,509	1,383	620.73	446.55
Free Cash Flow Growth	-	-4.21%	9.12%	122.80%	39.01%	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
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

Fiscal Year	Current	FY 2025	FY 2024	FY 2023
Period Ending	Nov '26 Nov 5, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023
Dividend Per Share	0.560	3.920	3.066	1.191
Dividend Per Share Growth	5.84%	27.86%	157.33%	-
Dividend Yield	11.30%	9.27%	4.44%	4.66%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 5, 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
PE Ratio	2.33	1.13	1.87	1.05	1.41	1.27
Forward PE	-	3.46	3.46	3.46	3.46	3.46
P/FCF Ratio	0.88	1.14	1.91	0.90	1.84	2.35
PS Ratio	0.23	0.22	0.49	0.26	0.32	0.29