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X Financial (XYF)

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CIK 0001725033 · NYSE · Finance Services

  • Sector Finance & Real Estate
  • Incorporated E9
  • Fiscal year ends Dec 31

In fiscal 2025, X Financial reported revenue of 7.64B CNY, up 30.1% from the prior year. The company was profitable, with a net margin of 19.2%. It held 14.67B CNY in total assets against 6.83B CNY in total liabilities.

Key ratios (FY2025)

21.3%
Operating margin
19.2%
Net margin
18.7%
Return on equity
+30.1%
Revenue growth (YoY)
Metric (FY)2025202420232022202120202019201820172016
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
Operating Income1.63B CNY1.87B CNY1.46B CNY1.21B CNY1.31B CNY-1.43B CNY812.58M CNY1.28B CNY501.69M CNY-136.77M 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 CNY—
Total Liabilities6.83B CNY4.87B CNY5.80B CNY4.08B CNY3.37B CNY4.42B CNY3.91B CNY1.12B CNY2.12B CNY—
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
Shares Outstanding249.49M293.35M290.83M322.40M336.88M321.24M319.75M303.98M279.71M238.10M