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X Financial (XYF)

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CIK 0001725033 · NYSE · Finance Services

  • Sector Finance & Real Estate
  • Fiscal year ends Dec 31

For the year ended 2025-12-31, X Financial reported revenue of 7.64B CNY. Revenue grew 30.1% from the prior annual period.

Key ratios (year ended 2025-12-31)

73.6%
Gross margin (computed)
21.3%
Operating margin
19.2%
Net margin
18.7%
Return on year-end equity
30.1%
Revenue growth (YoY)

Computed by TickerFacts from revenue minus cost of revenue. This may differ from the issuer's reported gross profit or margin; check the revenue and cost definitions.

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Latest selected filing: Form 6-K (current report) · 2026-08-24

Annual financials

Annual flows and balances are grouped by their actual period end. Select a figure to open its SEC filing. n/a means a matching observation is unavailable. Free cash flow is operating cash flow minus capital expenditures, and EBITDA is operating income plus depreciation and amortization, for the same period, computed by TickerFacts.

Period ended2025-12-312024-12-312023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-31
Revenue7.64B CNY5.87B CNY4.81B CNY3.56B CNY3.63B CNY2.19B CNY3.09B CNY3.54B CNY1.79B CNY230.31M CNY
Cost of Revenue2.02B CNY1.74B CNY1.54B CNY1.34B CNY1.96B CNY2.07B CNY1.63B CNY1.19B CNY760.14M CNY259.05M CNY
Gross Profit (computed)5.62B CNY4.13B CNY3.27B CNY2.23B CNY1.66B CNY121.45M CNY1.45B CNY2.35B CNY1.03B CNY-28.75M CNY
Operating Income1.63B CNY1.87B CNY1.46B CNY1.21B CNY1.31B CNY-1.43B CNY812.58M CNY1.28B CNY501.69M CNY-136.77M CNY
Depreciation & Amortization11.16M CNY7.20M CNY5.26M CNY6.65M CNY8.14M CNY11.92M CNY11.38M CNY9.64M CNY5.37M CNY3.06M CNY
EBITDA1.64B CNY1.88B CNY1.47B CNY1.22B CNY1.32B CNY-1.42B CNY823.96M CNY1.28B CNY507.06M CNY-133.71M CNY
Net Income1.46B CNY1.54B CNY1.19B CNY812.00M CNY825.41M CNY-1.31B CNY774.28M CNY883.11M CNY340.28M CNY-119.57M CNY
EPS (Diluted)5.87 CNY5.25 CNY4.08 CNY2.52 CNY2.45 CNY-4.07 CNY2.42 CNY2.91 CNY1.22 CNY-0.50 CNY
Total Assets14.67B CNY11.82B CNY11.65B CNY8.84B CNY7.34B CNY7.50B CNY8.28B CNY4.64B CNY3.89B CNYn/a
Total Liabilities6.83B CNY4.87B CNY5.80B CNY4.08B CNY3.37B CNY4.42B CNY3.91B CNY1.12B CNY2.12B CNYn/a
Shareholders' Equity7.84B CNY6.95B CNY5.85B CNY4.75B CNY3.98B CNY3.08B CNY4.37B CNY3.52B CNY1.77B CNY376.50M CNY
Cash & Equivalents987.63M CNY984.61M CNY1.20B CNY602.27M CNY584.76M CNY746.39M CNY1.01B CNY1.07B CNY671.36M CNY504.21M CNY
Operating Cash Flow1.47B CNY1.52B CNY1.39B CNY626.78M CNY449.17M CNY-679.23M CNY600.57M CNY5.35M CNY-615.33M CNY82.57M CNY
Capital Expenditures21.88M CNY14.22M CNY8.47M CNY6.06M CNY2.62M CNY5.37M CNY15.14M CNY38.63M CNY20.65M CNY3.42M CNY
Free Cash Flow1.45B CNY1.51B CNY1.38B CNY620.73M CNY446.55M CNY-684.60M CNY585.42M CNY-33.28M CNY-635.97M CNY79.14M CNY
Share Repurchases733.98M CNY182.20M CNY24.87M CNY146.74M CNY0 CNYn/an/an/an/an/a
Dividends Paid154.77M CNY116.64M CNY58.40M CNY0 CNY0 CNYn/a103.20M CNYn/an/an/a
Shares Outstanding234.52M250.68M293.55M287.92M329.12M323.12M320.67M303.61M280.09Mn/a
Weighted Average Diluted Shares249.49M293.35M290.83M322.40M336.88M321.24M319.75M303.98M279.71M238.10M
EPS (Basic)6.00 CNY5.33 CNY4.12 CNY2.57 CNY2.51 CNY-4.07 CNY2.47 CNY3.08 CNY1.30 CNY-0.50 CNY

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