X Financial (XYF)
NYSE: XYF · Real-Time Price · USD
5.53
-0.01 (-0.18%)
At close: Sep 2, 2026, 4:00 PM EDT
5.30
-0.23 (-4.16%)
Pre-market: Sep 3, 2026, 4:00 AM EDT
X Financial Cash Flow Statement
Financials in millions CNY. Fiscal year is January - December.
Millions CNY. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 |
Net Income | 1,465 | 1,540 | 1,187 | 812 | 825.41 |
Depreciation & Amortization | 11.16 | 7.2 | 5.26 | 6.65 | 8.14 |
Loss (Gain) From Sale of Assets | 0 | -0.06 | 0.15 | -0 | -0.18 |
Loss (Gain) From Sale of Investments | 40.63 | -58.1 | 12.31 | -12.79 | -1.22 |
Loss (Gain) on Equity Investments | -25.72 | -10.16 | 1.93 | 42.25 | -3.34 |
Stock-Based Compensation | 60.97 | 40.18 | 42.6 | 53.54 | 88.43 |
Provision & Write-off of Bad Debts | 242.72 | 35.73 | 12.23 | 21.84 | 77.25 |
Other Operating Activities | 904.78 | 311.68 | 116.92 | 58.77 | 502.62 |
Change in Accounts Receivable | -1,359 | -405.69 | -509.91 | -436.27 | -411.42 |
Change in Income Taxes | 122.47 | 143.87 | 176.41 | 152.94 | 41.23 |
Change in Other Net Operating Assets | 207.67 | -215.15 | 117.61 | -230.72 | -753.75 |
Operating Cash Flow | 1,468 | 1,523 | 1,391 | 626.78 | 449.17 |
Operating Cash Flow Growth | -3.67% | 9.48% | 122.00% | 39.54% | - |
Investing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 |
Capital Expenditures | -21.88 | -14.22 | -8.47 | -6.06 | -2.62 |
Sale of Property, Plant & Equipment | 0.06 | 0.11 | 0.02 | 0.01 | 0.24 |
Investment in Securities | -233.94 | 242.45 | -424.15 | -83.69 | -351.84 |
Other Investing Activities | -623.48 | 664.7 | -793.48 | -1,092 | -1,463 |
Investing Cash Flow | -1,066 | 122.03 | -1,684 | -1,217 | -2,348 |
Financing Activities
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 |
Short-Term Debt Issued | 725.38 | 133.5 | 802.5 | 70.21 | 266.5 |
Long-Term Debt Issued | - | - | - | 98.8 | 2,507 |
Total Debt Issued | 725.38 | 133.5 | 802.5 | 169.01 | 2,773 |
Short-Term Debt Repaid | -641.82 | -370 | -307.71 | -166.5 | -450.55 |
Long-Term Debt Repaid | -1,509 | -3,098 | -2,437 | -1,777 | -2,489 |
Total Debt Repaid | -2,150 | -3,468 | -2,745 | -1,943 | -2,940 |
Net Debt Issued (Repaid) | -1,425 | -3,335 | -1,942 | -1,774 | -166.52 |
Issuance of Common Stock | 19.09 | 0.12 | 1.1 | 0.28 | 2.96 |
Repurchase of Common Stock | -733.98 | -182.2 | -24.87 | -146.74 | - |
Common Dividends Paid | -154.77 | -116.64 | -58.4 | - | - |
Other Financing Activities | 2,374 | 1,698 | 3,252 | 2,497 | 1,465 |
Financing Cash Flow | 79.24 | -1,935 | 1,227 | 576.35 | 1,301 |
Net Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 |
Foreign Exchange Rate Adjustments | -8.24 | 6.89 | 2.29 | 29.26 | -9.37 |
Net Cash Flow | 472.26 | -282.86 | 937.55 | 14.92 | -606.48 |
Free Cash Flow
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 |
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% | - |
Free Cash Flow Margin | 18.92% | 25.70% | 28.72% | 17.42% | 12.31% |
Free Cash Flow Per Share | 34.77 | 30.87 | 28.53 | 11.55 | 7.95 |
Levered Free Cash Flow | 1,380 | 2,358 | 332.91 | -381.76 | 1,469 |
Unlevered Free Cash Flow | 1,392 | 2,372 | 352.07 | -381.76 | 1,469 |
Additional Metrics
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
Period Ending | 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 Interest Paid | 29.04 | 24.16 | 23.25 | 1.99 | 6.72 |
Cash Income Tax Paid | 333.21 | 289.08 | 102.28 | 37.37 | 30.96 |
Change in Working Capital | -1,572 | -564.66 | -215.89 | -514.04 | -1,124 |