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X Financial (XYF)
NYSE: XYF · Real-Time Price · USD
5.56
+0.32 (6.11%)
At close: Aug 13, 2026, 4:00 PM EDT
5.57
+0.01 (0.18%)
After-hours: Aug 13, 2026, 7:34 PM EDT

X Financial Cash Flow Statement

Millions CNY. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Income
1,4651,5401,187812825.41
Depreciation & Amortization
11.167.25.266.658.14
Stock-Based Compensation
60.9740.1842.653.5488.43
Other Adjustments
1,203411.1300.64282.64651.14
Change in Receivables
-1,359-405.69-509.91-436.27-411.42
Changes in Accrued Expenses
345.36122.8990.0884.19-23.87
Changes in Income Taxes Payable
122.47143.87176.41152.9441.23
Changes in Other Operating Activities
-380.39-336.0699.57-632.99-729.88
Operating Cash Flow
1,4681,5231,391322.7449.17
Operating Cash Flow Growth
-3.67%9.48%331.19%-28.16%-

Investing Activities

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Capital Expenditures
-21.88-14.22-8.47-6.06-2.62
Sale of Property, Plant & Equipment
0.060.110.020.010.24
Purchases of Investments
-291.8-148.63-424.15-90.54-427.84
Proceeds from Sale of Investments
57.86391.08-6.8576
Other Investing Activities
-810.53-106.3-1,251-823.65-1,993
Investing Cash Flow
-1,066122.03-1,684-913.39-2,348

Financing Activities

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Short-Term Debt Issued
725.38133.5802.570.21266.5
Short-Term Debt Repaid
-641.82-370-307.71-166.5-450.55
Net Short-Term Debt Issued (Repaid)
83.56-236.5494.79-96.29-184.05
Issuance of Common Stock
19.090.121.10.282.96
Repurchase of Common Stock
-733.98-182.2-24.87-146.74-
Net Common Stock Issued (Repurchased)
-714.89-182.08-23.77-146.462.96
Common Dividends Paid
-154.77-116.64-58.4--
Other Financing Activities
865.35-1,400814.84819.111,482
Financing Cash Flow
79.24-1,9351,227576.351,301

Net Cash Flow

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Foreign Exchange Rate Adjustments
-8.246.892.2929.26-9.37
Net Cash Flow
472.26-282.86937.5514.92-606.48

Free Cash Flow

Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Free Cash Flow
1,4461,5091,383316.65446.55
Free Cash Flow Growth
-4.21%9.12%336.76%-29.09%-
FCF Margin
18.92%25.70%28.72%8.89%12.31%
Free Cash Flow Per Share
34.7730.8728.535.897.95
Levered Free Cash Flow
1,6251,2272,044320.44-65.64
Unlevered Free Cash Flow
1,4351,3961,565424.43198.07
SEC Filings: 10-K · 10-Q