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 Income Statement
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 |
Operating Revenue | 2,757 | 4,917 | 3,862 | 3,338 | 2,417 | 2,861 |
Other Revenue | 2,841 | 2,722 | 2,010 | 1,477 | 1,146 | 765.28 |
| 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% |
Cost of Revenue | 2,233 | 2,361 | 1,960 | 1,773 | 1,496 | 2,039 |
Gross Profit | 3,365 | 5,279 | 3,912 | 3,042 | 2,067 | 1,587 |
Selling, General & Admin | 191.66 | 199.56 | 175.93 | 153.94 | 143.23 | 208.69 |
Operating Expenses | 442.87 | 442.28 | 211.66 | 166.18 | 165.07 | 285.94 |
Operating Income | 2,922 | 4,836 | 3,700 | 2,876 | 1,902 | 1,302 |
Interest Expense | -11.9 | -18.85 | -22.89 | -30.66 | - | - |
Interest & Investment Income | 46.51 | 29.51 | 39.46 | 16.79 | 3.76 | 19.71 |
Earnings From Equity Investments | -130.44 | 6.21 | 51.28 | -20.65 | -11.83 | 3.34 |
Currency Exchange Gain (Loss) | 8.03 | -8.54 | -9.53 | -4.02 | -19.96 | 5.15 |
Other Non Operating Income (Expenses) | 17.59 | 129.66 | 11.28 | 49.61 | 170.91 | -136.99 |
EBT Excluding Unusual Items | 2,852 | 4,974 | 3,770 | 2,887 | 2,045 | 1,193 |
Merger & Restructuring Charges | -1,106 | -2,202 | -1,582 | -1,371 | -833.11 | - |
Gain (Loss) on Sale of Investments | -3.73 | -14.53 | -0.16 | -0.09 | -17.64 | 1.22 |
Gain (Loss) on Sale of Assets | -0 | -0 | 0.06 | -0.15 | 0 | 0.18 |
Other Unusual Items | -987.7 | -1,001 | -241.74 | -67.52 | 14 | 0.02 |
Pretax Income | 754.42 | 1,756 | 1,946 | 1,448 | 1,208 | 1,194 |
Income Tax Expense | 191.08 | 291.65 | 405.7 | 261.13 | 396.07 | 368.74 |
Earnings From Continuing Operations | 563.34 | 1,465 | 1,540 | 1,187 | 812 | 825.41 |
Minority Interest in Earnings | - | - | - | - | - | 0 |
Net Income | 563.34 | 1,465 | 1,540 | 1,187 | 812 | 825.41 |
Net Income to Common | 563.34 | 1,465 | 1,540 | 1,187 | 812 | 825.41 |
Net Income Growth | -67.77% | -4.89% | 29.75% | 46.16% | -1.63% | - |
Shares Outstanding (Basic) | 39 | 41 | 48 | 48 | 53 | 55 |
Shares Outstanding (Diluted) | 39 | 42 | 49 | 48 | 54 | 56 |
Shares Change | -14.93% | -14.95% | 0.87% | -9.79% | -4.30% | 4.87% |
EPS (Basic) | 14.52 | 36.02 | 31.99 | 24.71 | 15.40 | 15.04 |
EPS (Diluted) | 14.46 | 35.22 | 31.50 | 24.48 | 15.12 | 14.70 |
EPS Growth | -62.06% | 11.81% | 28.68% | 61.91% | 2.86% | - |
Additional Metrics
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 |
Free Cash Flow | - | 1,446 | 1,509 | 1,383 | 620.73 | 446.55 |
Free Cash Flow Per Share | - | 34.77 | 30.87 | 28.53 | 11.55 | 7.95 |
Dividend Per Share | 3.816 | 3.920 | 3.066 | 1.191 | - | - |
Dividend Growth | -0.95% | 27.86% | 157.33% | - | - | - |
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% |
Profit Margin | 10.06% | 19.17% | 26.23% | 24.65% | 22.79% | 22.76% |
Free Cash Flow Margin | - | 18.92% | 25.70% | 28.72% | 17.42% | 12.31% |
EBITDA | 2,936 | 4,848 | 3,708 | 2,881 | 1,909 | 1,310 |
EBITDA Margin | 52.43% | 63.45% | 63.14% | 59.83% | 53.57% | 36.11% |
D&A For EBITDA | 13.14 | 11.16 | 7.2 | 5.26 | 6.65 | 8.14 |
EBIT | 2,922 | 4,836 | 3,700 | 2,876 | 1,902 | 1,302 |
EBIT Margin | 52.20% | 63.31% | 63.02% | 59.72% | 53.38% | 35.89% |
Effective Tax Rate | 25.33% | 16.61% | 20.85% | 18.04% | 32.79% | 30.88% |
Revenue as Reported | 5,599 | 7,639 | 5,872 | 4,815 | 3,563 | 3,626 |
Advertising Expenses | - | 10.52 | 8.56 | 8.11 | 8.49 | 7.4 |