X Financial (XYF)

X Financial Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	1,132	987.63	984.61	1,195	602.27	584.76
Cash & Short-Term Investments	1,132	987.63	984.61	1,195	602.27	584.76
Cash Growth	-1.84%	0.31%	-17.63%	98.47%	2.99%	-21.65%
Accounts Receivable	1,377	3,146	2,030	1,660	1,164	755.37
Other Receivables	-	-	-	-	15	15
Receivables	5,515	8,445	6,858	6,616	5,119	3,656
Prepaid Expenses	36.22	21.41	10.68	8.42	22.1	19.33
Restricted Cash	827.67	1,146	676.79	749.07	404.69	407.28
Other Current Assets	882.91	1,736	1,983	1,743	1,802	1,683
Total Current Assets	8,393	12,335	10,513	10,312	7,951	6,351
Property, Plant & Equipment	24.51	68.68	55.07	59.27	68.55	31.39
Long-Term Investments	3,111	1,759	1,012	1,102	688.61	642.88
Other Intangible Assets	38.23	39.18	36.59	36.81	36.55	36.82
Long-Term Deferred Tax Assets	486.39	455.36	197.71	135.96	88.43	274.87
Other Long-Term Assets	48.81	8.58	5.71	4.64	4.52	6.08
Total Assets	12,102	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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accrued Expenses	841.06	1,115	1,145	789.72	709.91	451.86
Short-Term Debt	396.21	409.53	328.5	565	70.21	166.5
Current Portion of Leases	-	10.86	12.73	12.85	11.3	12.33
Current Income Taxes Payable	659.05	677.52	591.49	446.5	270.09	117.15
Other Current Liabilities	12.19	228.24	146.64	208.97	182.08	634.88
Total Current Liabilities	1,909	2,442	2,224	2,023	1,244	1,383
Long-Term Leases	28.9	34.81	27.52	37.57	51.19	12.02
Long-Term Unearned Revenue	392.79	467.63	164.72	46.6	-	-
Long-Term Deferred Tax Liabilities	22.99	69.67	65.96	30.04	0.72	-
Other Long-Term Liabilities	1,994	3,815	2,384	3,666	2,789	1,971
Total Liabilities	4,347	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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	0.21	0.21	0.21	0.21	0.21	0.21
Additional Paid-In Capital	3,260	3,256	3,207	3,197	3,191	3,160
Retained Earnings	5,496	5,484	4,175	2,692	1,623	810.86
Treasury Stock	-1,040	-967.77	-509.64	-111.52	-124.6	-
Comprehensive Income & Other	39.23	63.72	81.05	69.48	63.6	6.31
Total Common Equity	7,755	7,837	6,953	5,847	4,753	3,977
Shareholders' Equity	7,755	7,837	6,953	5,847	4,753	3,977
Total Liabilities & Equity	12,102	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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
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
Filing Date Shares Outstanding	37.54	38.52	42.21	49.19	48.15	54.85
Total Common Shares Outstanding	37.54	39.09	41.78	48.93	47.99	54.85
Working Capital	6,485	9,894	8,288	8,289	6,707	4,968
Book Value Per Share	206.57	200.50	166.42	119.51	99.05	72.50
Tangible Book Value	7,717	7,798	6,917	5,810	4,717	3,940
Tangible Book Value Per Share	205.55	199.50	165.55	118.76	98.29	71.83
Machinery	-	40.62	33.82	26.65	26.21	23.12
Leasehold Improvements	-	33.38	27.53	24.31	23.71	22.8

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Aug 24, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 4, 2026

Data Sources Report a data error