X Financial (XYF)
NYSE: XYF · Real-Time Price · USD
5.53
-0.04 (-0.72%)
Sep 4, 2026, 4:00 PM EDT - Market closed
X Financial Financials Overview
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 | 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 Revenue Growth | 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 Gross Profit Growth | 3,365 | 5,279 | 3,912 | 3,042 | 2,067 | 1,587 |
Operating Income Operating Income Growth | 2,922 | 4,836 | 3,700 | 2,876 | 1,902 | 1,302 |
Net Income Net Income Growth | 563.34 | 1,465 | 1,540 | 1,187 | 812 | 825.41 |
Earnings Per Share EPS Growth | 14.46 | 35.22 | 31.50 | 24.48 | 15.12 | 14.70 |
EPS Growth | -62.06% | 11.81% | 28.68% | 61.91% | 2.86% | - |
| 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 Cash & Investments Growth | 1,132 | 987.63 | 984.61 | 1,195 | 602.27 | 584.76 |
Total Debt Total Debt Growth | 425.11 | 455.19 | 368.75 | 615.42 | 132.71 | 190.85 |
Net Cash (Debt) Net Cash Growth | 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 Net Cash Per Share Growth | 18.12 | 12.80 | 12.60 | 11.96 | 8.74 | 7.02 |
| 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 Operating Cash Flow Growth | - | 1,468 | 1,523 | 1,391 | 626.78 | 449.17 |
Capital Expenditures CapEx Growth | - | -21.88 | -14.22 | -8.47 | -6.06 | -2.62 |
Free Cash Flow Free Cash Flow Growth | - | 1,446 | 1,509 | 1,383 | 620.73 | 446.55 |
Free Cash Flow Growth | - | -4.21% | 9.12% | 122.80% | 39.01% | - |
| 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% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Period Ending | Sep '26 Sep 7, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 |
Dividend Per Share Dividend Per Share Growth | 0.560 | 3.920 | 3.066 | 1.191 |
Dividend Per Share Growth | 5.84% | 27.86% | 157.33% | - |
Dividend Yield | 10.13% | 10.59% | 5.52% | 5.42% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 7, 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 | 2.60 | 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 | 0.99 | 1.14 | 1.91 | 0.90 | 1.84 | 2.35 |
PS Ratio | 0.26 | 0.22 | 0.49 | 0.26 | 0.32 | 0.29 |