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X Financial

XYF Clue Score79
China Fiscal year ends December CIK 0001725033
$5.15 +1.58% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $5.15 +16.78% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 19 Sep 2018. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueOperating incomeNet income
Fiscal year 2016Revenue0.23Operating income−0.14Net income−0.12EPS, diluted−0.50Fiscal year 2017Revenue1.79 +675.9%Operating income0.50Net income0.34EPS, diluted1.22Fiscal year 2018Revenue3.54 +98.1%Operating income1.28Net income0.88 +159.5%EPS, diluted2.91 +138.5%Fiscal year 2019Revenue3.09 −12.8%Operating income0.81Net income0.77 −12.3%EPS, diluted2.42 −16.8%Fiscal year 2020Revenue2.19 −29.0%Operating income−1.43Net income−1.31 −269.0%EPS, diluted−4.07 −268.2%Fiscal year 2021Revenue3.63 +65.4%Operating income1.31Net income0.83EPS, diluted2.45Fiscal year 2022Revenue3.56 −1.8%Operating income1.21Net income0.81 −1.6%EPS, diluted2.52 +2.9%Fiscal year 2023Revenue4.81 +35.1%Operating income1.46Net income1.19 +46.2%EPS, diluted4.08 +61.9%Fiscal year 2024Revenue5.87 +22.0%Operating income1.87Net income1.54 +29.8%EPS, diluted5.25 +28.7%Fiscal year 2025Revenue7.64 +30.1%Operating income1.63Net income1.46 −4.9%EPS, diluted5.87 +11.8%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 0.23 1.79 3.54 3.09 2.19 3.63 3.56 4.81 5.87 7.64
Growth +675.9% +98.1% −12.8% −29.0% +65.4% −1.8% +35.1% +22.0% +30.1%
Operating income −0.14 0.50 1.28 0.81 −1.43 1.31 1.21 1.46 1.87 1.63
Net income −0.12 0.34 0.88 0.77 −1.31 0.83 0.81 1.19 1.54 1.46
Growth +159.5% −12.3% −269.0% −1.6% +46.2% +29.8% −4.9%
EPS, diluted −0.50 1.22 2.91 2.42 −4.07 2.45 2.52 4.08 5.25 5.87
Growth +138.5% −16.8% −268.2% +2.9% +61.9% +28.7% +11.8%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Operating marginNet margin
Fiscal year 2016Operating margin−59.4%Net margin−51.9%Free cash flow margin34.4%Fiscal year 2017Operating margin28.1%Net margin19.0%Free cash flow margin−35.6%Fiscal year 2018Operating margin36.0%Net margin24.9%Free cash flow margin−0.9%Fiscal year 2019Operating margin26.3%Net margin25.1%Free cash flow margin19.0%Fiscal year 2020Operating margin−65.2%Net margin−59.7%Free cash flow margin−31.2%Fiscal year 2021Operating margin36.2%Net margin22.8%Free cash flow margin12.3%Fiscal year 2022Operating margin34.1%Net margin22.8%Free cash flow margin17.4%Fiscal year 2023Operating margin30.4%Net margin24.6%Free cash flow margin28.7%Fiscal year 2024Operating margin31.9%Net margin26.2%Free cash flow margin25.7%Fiscal year 2025Operating margin21.3%Net margin19.2%Free cash flow margin18.9%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating margin −59.4% 28.1% 36.0% 26.3% −65.2% 36.2% 34.1% 30.4% 31.9% 21.3%
Net margin −51.9% 19.0% 24.9% 25.1% −59.7% 22.8% 22.8% 24.6% 26.2% 19.2%
Free cash flow margin 34.4% −35.6% −0.9% 19.0% −31.2% 12.3% 17.4% 28.7% 25.7% 18.9%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow0.08Capital expenditure−0.00Free cash flow0.08Fiscal year 2017Operating cash flow−0.62Capital expenditure−0.02Free cash flow−0.64 −903.6%Fiscal year 2018Operating cash flow0.01Capital expenditure−0.04Free cash flow−0.03Fiscal year 2019Operating cash flow0.60Capital expenditure−0.02Free cash flow0.59Dividends paid−0.10Fiscal year 2020Operating cash flow−0.68Capital expenditure−0.01Free cash flow−0.68 −216.9%Fiscal year 2021Operating cash flow0.45Capital expenditure−0.00Free cash flow0.45Buybacks0.00Dividends paid0.00Fiscal year 2022Operating cash flow0.63Capital expenditure−0.01Free cash flow0.62 +39.0%Buybacks−0.15Dividends paid0.00Fiscal year 2023Operating cash flow1.39Capital expenditure−0.01Free cash flow1.38 +122.8%Buybacks−0.02Dividends paid−0.06Fiscal year 2024Operating cash flow1.52Capital expenditure−0.01Free cash flow1.51 +9.1%Buybacks−0.18Dividends paid−0.12Fiscal year 2025Operating cash flow1.47Capital expenditure−0.02Free cash flow1.45 −4.2%Buybacks−0.73Dividends paid−0.15
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 0.08 −0.62 0.01 0.60 −0.68 0.45 0.63 1.39 1.52 1.47
Capital expenditure −0.00 −0.02 −0.04 −0.02 −0.01 −0.00 −0.01 −0.01 −0.01 −0.02
Free cash flow 0.08 −0.64 −0.03 0.59 −0.68 0.45 0.62 1.38 1.51 1.45
Growth −903.6% −216.9% +39.0% +122.8% +9.1% −4.2%
Buybacks n/a n/a n/a n/a n/a 0.00 −0.15 −0.02 −0.18 −0.73
Dividends paid n/a n/a n/a −0.10 n/a 0.00 0.00 −0.06 −0.12 −0.15

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash0.50Shareholders’ equity0.38Fiscal year 2017Cash0.67Shareholders’ equity1.76Fiscal year 2018Cash1.07Shareholders’ equity3.52Fiscal year 2019Cash1.01Shareholders’ equity4.37Fiscal year 2020Cash0.75Shareholders’ equity3.07Fiscal year 2021Cash0.58Shareholders’ equity3.98Fiscal year 2022Cash0.60Shareholders’ equity4.75Fiscal year 2023Cash1.20Shareholders’ equity5.85Fiscal year 2024Cash0.98Shareholders’ equity6.95Fiscal year 2025Cash0.99Shareholders’ equity7.84
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 0.50 0.67 1.07 1.01 0.75 0.58 0.60 1.20 0.98 0.99
Shareholders’ equity 0.38 1.76 3.52 4.37 3.07 3.98 4.75 5.85 6.95 7.84

In billions of CNY, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
−59.4% 28.1% 36.0% 26.3% −65.2% 36.2% 34.1% 30.4% 31.9% 21.3%
−63.9% 26.8% 30.6% 21.5% −73.0% 32.8% 34.2% 30.5% 32.3% 22.9%
−51.9% 19.0% 24.9% 25.1% −59.7% 22.8% 22.8% 24.6% 26.2% 19.2%
34.4% −35.6% −0.9% 19.0% −31.2% 12.3% 17.4% 28.7% 25.7% 18.9%
Spending
26.8% 5.5% 6.2% 7.4% 8.2% 5.2% 4.0% 3.2% 3.0% 2.6%
1.5% 1.2% 1.1% 0.5% 0.2% 0.1% 0.2% 0.2% 0.2% 0.3%
n/a 28.9% −19.3% −14.0% n/a 31.0% 32.5% 17.8% 21.4% 16.7%
Returns
−31.8% 19.3% 25.1% 17.7% −42.6% 20.8% 17.1% 20.3% 22.1% 18.7%
n/a 8.8% 19.0% 9.4% −17.5% 11.2% 9.2% 10.2% 13.0% 10.0%
Balance and payout
n/a 54.6% 24.1% 47.3% 59.0% 45.8% 46.2% 49.8% 41.2% 46.6%
n/a n/a n/a 13.3% n/a 0.0% 0.0% 4.9% 7.6% 10.6%
n/a n/a n/a 17.6% n/a 0.0% 23.6% 6.0% 19.8% 61.5%

Shown in CNY as filed; the screener converts to dollars.