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 Balance Sheet
Financials in millions CNY. Fiscal year is January - December.
Millions CNY. Fiscal year is Jan - Dec.
Assets
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 |
Cash & Equivalents | 1,021 | 987.63 | 984.61 | 1,195 | 602.27 | 584.76 |
Cash & Short-Term Investments | 1,021 | 987.63 | 984.61 | 1,195 | 602.27 | 584.76 |
Cash Growth | -26.50% | 0.31% | -17.63% | 98.47% | 2.99% | -21.65% |
Accounts Receivable | 6,817 | 8,445 | 6,858 | 6,616 | 5,103 | 3,633 |
Other Current Assets | 2,796 | 2,903 | 2,670 | 2,500 | 2,246 | 2,133 |
Total Current Assets | 10,634 | 12,335 | 10,513 | 10,312 | 7,951 | 6,351 |
Net Property, Plant & Equipment | 26.43 | 23.9 | 15.83 | 8.64 | 5.86 | 6.19 |
Other Intangible Assets | 38.84 | 39.18 | 36.59 | 36.81 | 36.55 | 36.82 |
Long-Term Investments | 2,348 | 1,759 | 1,012 | 1,102 | 688.61 | 642.88 |
Other Long-Term Assets | 559.04 | 508.72 | 242.66 | 191.22 | 155.63 | 306.15 |
Total Assets | 13,606 | 14,666 | 11,819 | 11,650 | 8,838 | 7,343 |
Liabilities
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 |
Accrued Expenses | 987.46 | 975.52 | 966.2 | 823.09 | 589.46 | 381.3 |
Short-Term Debt | 353.87 | 409.53 | 328.5 | 565 | 70.21 | 166.5 |
Unearned Revenue | 388.88 | 467.63 | 164.72 | 46.6 | - | - |
Other Current Liabilities | 3,983 | 4,872 | 3,313 | 4,301 | 3,373 | 2,806 |
Total Current Liabilities | 5,713 | 6,724 | 4,773 | 5,735 | 4,032 | 3,354 |
Other Long-Term Liabilities | 125.19 | 104.48 | 93.47 | 67.61 | 51.91 | 12.02 |
Total Long-Term Liabilities | 125.19 | 104.48 | 93.47 | 67.61 | 51.91 | 12.02 |
Total Liabilities | 5,838 | 6,829 | 4,866 | 5,803 | 4,084 | 3,366 |
Shareholders' Equity
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 |
Common Stock | 0.21 | 0.21 | 0.21 | 0.21 | 0.21 | 0.21 |
Treasury Stock | -988.21 | -967.77 | -509.64 | -111.52 | -124.6 | - |
Additional Paid-in Capital | 3,257 | 3,256 | 3,207 | 3,197 | 3,191 | 3,160 |
Accumulated Other Comprehensive Income | 50.99 | 63.72 | 81.05 | 69.48 | 63.6 | 6.31 |
Retained Earnings | 5,448 | 5,484 | 4,175 | 2,692 | 1,623 | 810.86 |
Total Common Shareholders' Equity | 7,769 | 7,837 | 6,953 | 5,847 | 4,753 | 3,977 |
Shareholders' Equity | 7,769 | 7,837 | 6,953 | 5,847 | 4,753 | 3,977 |
Total Liabilities & Equity | 13,606 | 14,666 | 11,819 | 11,650 | 8,838 | 7,343 |
Additional Metrics
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 |
Total Debt | 353.87 | 409.53 | 328.5 | 565 | 70.21 | 166.5 |
Net Cash (Debt) | 667.36 | 578.1 | 656.11 | 630.35 | 532.06 | 418.26 |
Net Cash Growth | -15.09% | -11.89% | 4.09% | 18.47% | 27.21% | 5.66% |
Net Cash Per Share | 16.18 | 13.90 | 13.42 | 13.00 | 9.90 | 7.45 |
Book Value | 7,769 | 7,837 | 6,953 | 5,847 | 4,753 | 3,977 |
Book Value Per Share | 188.32 | 188.47 | 142.21 | 120.63 | 88.46 | 70.83 |
Tangible Book Value | 7,730 | 7,798 | 6,917 | 5,810 | 4,717 | 3,940 |
Tangible Book Value Per Share | 187.38 | 187.53 | 141.47 | 119.87 | 87.78 | 70.17 |