X Financial (XYF)
NYSE: XYF · Real-Time Price · USD
4.920
-0.040 (-0.81%)
At close: Apr 28, 2026, 4:00 PM EDT
4.905
-0.015 (-0.30%)
After-hours: Apr 28, 2026, 7:00 PM EDT
X Financial Income Statement
Financials in millions CNY. Fiscal year is January - December.
Millions CNY. Fiscal year is Jan - Dec.
Fiscal Year | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2020 - 2016 |
|---|---|---|---|---|---|---|
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 | 2020 - 2016 |
| Operating Revenue | 4,917 | 3,862 | 3,338 | 2,417 | 2,861 | Upgrade
|
| Other Revenue | 2,722 | 2,010 | 1,477 | 1,146 | 765.28 | Upgrade
|
| Revenue | 7,639 | 5,872 | 4,815 | 3,563 | 3,626 | Upgrade
|
| Revenue Growth (YoY) | 30.10% | 21.95% | 35.14% | -1.75% | 65.37% | Upgrade
|
| Cost of Revenue | 2,361 | 1,960 | 1,773 | 1,496 | 2,039 | Upgrade
|
| Gross Profit | 5,279 | 3,912 | 3,042 | 2,067 | 1,587 | Upgrade
|
| Selling, General & Admin | 199.56 | 175.93 | 153.94 | 143.23 | 208.69 | Upgrade
|
| Operating Expenses | 442.28 | 211.66 | 166.18 | 165.07 | 285.94 | Upgrade
|
| Operating Income | 4,836 | 3,700 | 2,876 | 1,902 | 1,302 | Upgrade
|
| Interest Expense | - | -0.56 | -20.36 | - | - | Upgrade
|
| Interest & Investment Income | 10.66 | 17.13 | 6.5 | 3.76 | 19.71 | Upgrade
|
| Earnings From Equity Investments | 6.21 | 51.28 | -20.65 | -11.83 | 3.34 | Upgrade
|
| Currency Exchange Gain (Loss) | -8.54 | -9.53 | -4.02 | -19.96 | 5.15 | Upgrade
|
| Other Non Operating Income (Expenses) | 129.59 | 11.28 | 49.61 | 170.91 | -136.99 | Upgrade
|
| EBT Excluding Unusual Items | 4,974 | 3,770 | 2,887 | 2,045 | 1,193 | Upgrade
|
| Merger & Restructuring Charges | -2,202 | -1,582 | -1,371 | -833.11 | - | Upgrade
|
| Gain (Loss) on Sale of Investments | -14.46 | -0.16 | -0.09 | -17.64 | 1.22 | Upgrade
|
| Gain (Loss) on Sale of Assets | - | 0.06 | -0.15 | 0 | 0.18 | Upgrade
|
| Other Unusual Items | -1,001 | -241.74 | -67.52 | 14 | 0.02 | Upgrade
|
| Pretax Income | 1,756 | 1,946 | 1,448 | 1,208 | 1,194 | Upgrade
|
| Income Tax Expense | 291.65 | 405.7 | 261.13 | 396.07 | 368.74 | Upgrade
|
| Earnings From Continuing Operations | 1,465 | 1,540 | 1,187 | 812 | 825.41 | Upgrade
|
| Minority Interest in Earnings | - | - | - | - | 0 | Upgrade
|
| Net Income | 1,465 | 1,540 | 1,187 | 812 | 825.41 | Upgrade
|
| Net Income to Common | 1,465 | 1,540 | 1,187 | 812 | 825.41 | Upgrade
|
| Net Income Growth | -4.89% | 29.75% | 46.16% | -1.63% | - | Upgrade
|
| Shares Outstanding (Basic) | 41 | 48 | 48 | 53 | 55 | Upgrade
|
| Shares Outstanding (Diluted) | 42 | 49 | 48 | 54 | 56 | Upgrade
|
| Shares Change (YoY) | -14.95% | 0.87% | -9.79% | -4.30% | 4.87% | Upgrade
|
| EPS (Basic) | 36.02 | 31.99 | 24.71 | 15.40 | 15.04 | Upgrade
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| EPS (Diluted) | 35.22 | 31.50 | 24.48 | 15.12 | 14.70 | Upgrade
|
| EPS Growth | 11.81% | 28.68% | 61.91% | 2.86% | - | Upgrade
|
| Free Cash Flow | - | 1,509 | 1,383 | 620.73 | 446.55 | Upgrade
|
| Free Cash Flow Per Share | - | 30.87 | 28.53 | 11.55 | 7.95 | Upgrade
|
| Dividend Per Share | 3.920 | 3.066 | 1.191 | - | - | Upgrade
|
| Dividend Growth | 27.86% | 157.33% | - | - | - | Upgrade
|
| Gross Margin | 69.10% | 66.62% | 63.17% | 58.01% | 43.77% | Upgrade
|
| Operating Margin | 63.31% | 63.02% | 59.72% | 53.38% | 35.89% | Upgrade
|
| Profit Margin | 19.17% | 26.23% | 24.65% | 22.79% | 22.76% | Upgrade
|
| Free Cash Flow Margin | - | 25.70% | 28.72% | 17.42% | 12.31% | Upgrade
|
| EBITDA | 4,844 | 3,708 | 2,881 | 1,909 | 1,310 | Upgrade
|
| EBITDA Margin | 63.40% | 63.14% | 59.83% | 53.57% | 36.11% | Upgrade
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| D&A For EBITDA | 7.2 | 7.2 | 5.26 | 6.65 | 8.14 | Upgrade
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| EBIT | 4,836 | 3,700 | 2,876 | 1,902 | 1,302 | Upgrade
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| EBIT Margin | 63.31% | 63.02% | 59.72% | 53.38% | 35.89% | Upgrade
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| Effective Tax Rate | 16.61% | 20.85% | 18.04% | 32.79% | 30.88% | Upgrade
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| Revenue as Reported | 7,639 | 5,872 | 4,815 | 3,563 | 3,626 | Upgrade
|
| Advertising Expenses | - | 8.56 | 8.11 | 8.49 | 7.4 | Upgrade
|
Source: S&P Capital IQ. Standard template. Financial Sources.