X Financial (XYF) Financials

$13.65 +0.32 (+2.40%)

Closing price 05/2/2025 03:59 PM Eastern

Extended Trading

$13.62 -0.03 (-0.22%)

As of 05/2/2025 04:05 PM Eastern

Annual Income Statements for X Financial

This table shows X Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	-17	52	129	111	-201	130	118	167	211
Consolidated Net Income / (Loss)	-17	52	129	111	-201	130	118	167	211
Net Income / (Loss) Continuing Operations	-17	52	190	111	-201	130	118	167	205
Total Pre-Tax Income	-21	73	158	95	-246	187	177	198	260
Total Operating Income	-20	77	186	117	-220	206	157	202	257
Total Gross Profit	-4.12	158	343	203	19	261	208	274	566
Total Revenue	33	274	515	443	337	569	517	678	804
Operating Revenue	33	274	515	443	337	569	517	678	804
Total Cost of Revenue	37	117	173	240	318	308	308	404	238
Operating Cost of Revenue	37	117	173	235	319	308	308	404	238
Other Cost of Revenue	-	-	0.00	5.40	-0.15	-0.19	-0.11	0.01	0.02
Total Operating Expenses	15	81	157	87	239	55	51	71	310
Selling, General & Admin Expense	8.85	15	32	33	28	29	25	26	24
Marketing Expense	5.48	12	30	15	5.48	3.27	2.24	1.77	217
Other Operating Expenses / (Income)	1.16	54	95	39	58	23	24	43	69
Total Other Income / (Expense), net	-1.50	-3.55	-28	-21	-26	-19	20	-4.87	2.82
Interest & Investment Income	-0.87	0.79	0.61	0.98	3.34	3.09	2.29	-4.59	2.27
Other Income / (Expense), net	-0.00	-2.84	-30	-32	-21	-21	19	-0.21	0.55
Income Tax Expense	-3.87	21	-31	-13	-46	58	56	35	56
Other Gains / (Losses), net	0.00	-0.13	1.17	2.51	-1.05	0.52	-3.20	4.67	1.39
Other Adjustments to Consolidated Net Income / (Loss)	-	-	-	-	-	-	-	-	5.63
Net Income / (Loss) Attributable to Noncontrolling Interest	-0.09	-0.12	-0.01	0.03	0.01	-0.00	0.00	0.00	0.00
Basic Earnings per Share	($0.50)	$1.30	$3.08	$2.47	($4.07)	$0.39	$0.37	$0.08	$0.10
Weighted Average Basic Shares Outstanding	238.10M	261.22M	286.59M	313.76M	321.24M	329.23M	316.44M	288.12M	288.83M
Diluted Earnings per Share	($0.50)	$1.22	$2.91	$2.42	($4.07)	$0.38	$0.37	$0.08	$0.10
Weighted Average Diluted Shares Outstanding	238.10M	279.71M	303.98M	319.75M	321.24M	336.88M	322.40M	290.83M	293.35M
Weighted Average Basic & Diluted Shares Outstanding	-	-	607.23M	641.34M	646.24M	658.24M	575.84M	587.11M	501.36M

No quarterly income statements for X Financial are available.

This table details how cash moves in and out of X Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Change in Cash & Equivalents	20	28	86	-397	12	-95	2.16	132	-56
Net Cash From Operating Activities	12	-94	0.78	86	-104	70	47	115	209
Net Cash From Continuing Operating Activities	12	-94	0.78	86	-104	70	47	115	193
Net Income / (Loss) Continuing Operations	-17	52	129	111	-201	130	118	167	211
Consolidated Net Income / (Loss)	-17	52	129	111	-201	130	118	167	211
Depreciation Expense	0.44	0.82	1.40	1.63	1.83	1.28	0.96	0.74	0.99
Non-Cash Adjustments To Reconcile Net Income	8.62	-239	8.61	74	38	-119	-62	-19	-54
Changes in Operating Assets and Liabilities, net	20	91	-138	-101	58	59	-9.48	-35	35
Net Cash From Investing Activities	-105	-1.66	60	-442	-570	-368	-132	-156	17
Net Cash From Continuing Investing Activities	-105	-1.66	60	-442	-570	-368	-133	-156	17
Purchase of Property, Plant & Equipment	-0.49	-3.17	-5.62	-2.17	-0.83	-0.41	-0.88	-1.19	-1.95
Purchase of Investments	-3.05	-8.44	-33	0.00	-1.46	-489	-1,094	-1,340	-1,801
Sale of Property, Plant & Equipment	0.00	0.00	0.00	0.02	0.01	0.04	0.00	0.00	0.01
Sale and/or Maturity of Investments	0.00	2.53	-	0.00	0.00	35	0.99	0.00	54
Other Investing Activities, net	-102	7.42	98	-440	-568	85	961	1,185	1,766
Net Cash From Financing Activities	111	127	26	389	691	204	84	173	-265
Net Cash From Continuing Financing Activities	111	127	26	-42	691	204	84	173	-265
Repayment of Debt	-47	-60	0.00	-58	-25	-71	-24	-43	-51
Repurchase of Common Equity	-	-	-	-	0.00	0.00	-21	-3.50	-25
Payment of Dividends	-	0.00	0.00	-15	0.00	-0.19	0.00	-8.23	-16
Issuance of Debt	47	44	29	29	79	42	10	113	18
Other Financing Activities, net	111	-9.70	-106	0.87	637	233	119	115	-192
Cash Interest Paid	-	0.00	0.00	0.50	1.75	1.05	0.29	3.27	3.31
Cash Income Taxes Paid	0.00	0.02	44	6.18	17	4.86	5.42	14	40

No quarterly cash flow statements for X Financial are available.

This table presents X Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Total Assets	597	675	1,189	1,153	1,152	1,281	1,641	1,619
Total Current Assets	286	456	534	308	189	266	281	232
Cash & Equivalents	103	156	144	115	92	87	168	135
Restricted Cash	-	30	74	131	64	-	106	93
Prepaid Expenses	13	17	102	62	33	10	6.87	4.67
Plant, Property, & Equipment, net	3.22	3.38	2.89	1.71	0.97	0.85	1.22	2.17
Total Noncurrent Assets	307	211	294	836	962	1,014	1,359	1,385
Long-Term Investments	8.31	42	42	46	101	100	155	139
Noncurrent Note & Lease Receivables	148	111	96	190	392	554	698	661
Intangible Assets	0.25	4.13	5.04	5.76	5.78	5.30	5.18	5.01
Noncurrent Deferred & Refundable Income Taxes	45	50	67	93	43	13	19	27
Other Noncurrent Operating Assets	105	3.90	84	501	421	343	481	553
Total Liabilities & Shareholders' Equity	597	675	1,189	1,153	1,152	1,281	1,641	1,619
Total Liabilities	326	163	562	680	528	592	817	667
Total Current Liabilities	95	156	124	87	156	130	244	266
Short-Term Debt	0.00	29	0.00	-	-	10	80	45
Accrued Expenses	21	26	39	50	42	69	81	127
Dividends Payable	-	-	-	-	-	0.00	8.34	0.00
Current Deferred & Payable Income Tax Liabilities	62	45	49	12	18	39	63	81
Other Current Liabilities	12	36	20	25	96	9.23	12	13
Total Noncurrent Liabilities	231	6.90	438	593	372	462	573	400
Long-Term Debt	-	-	-	360	367	-	41	38
Noncurrent Deferred & Payable Income Tax Liabilities	0.00	6.90	0.19	-	0.00	0.10	4.23	9.04
Other Noncurrent Operating Liabilities	231	0.00	438	234	5.18	462	528	353
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	271	512	627	473	624	689	824	953
Total Preferred & Common Equity	270	512	627	473	624	689	824	953
Total Common Equity	270	512	627	473	624	689	824	953
Common Stock	303	411	429	472	496	463	450	439
Retained Earnings	-37	93	188	-2.24	127	235	379	572
Treasury Stock	-	-	-	-	0.00	-18	-16	-70
Accumulated Other Comprehensive Income / (Loss)	5.13	7.64	9.63	3.24	0.99	9.22	9.79	11

No quarterly balance sheets for X Financial are available.

This table displays calculated financial ratios and metrics derived from X Financial's official financial filings.

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Growth Metrics	-	-	-	-	-	-	-	-	-
Revenue Growth	0.00%	730.31%	87.95%	-13.97%	-23.93%	68.72%	-9.22%	31.28%	18.62%
EBITDA Growth	0.00%	490.93%	109.29%	-44.70%	-375.48%	177.90%	-4.94%	14.71%	23.24%
EBIT Growth	0.00%	477.99%	109.73%	-45.26%	-382.92%	176.78%	-4.81%	14.92%	23.21%
NOPAT Growth	0.00%	498.78%	304.65%	-39.95%	-215.76%	192.23%	-24.68%	55.63%	19.14%
Net Income Growth	0.00%	402.30%	146.73%	-13.49%	-280.98%	164.36%	-9.11%	41.98%	26.21%
EPS Growth	0.00%	344.00%	146.73%	-13.49%	-268.18%	109.45%	-4.97%	-78.02%	-82.84%
Operating Cash Flow Growth	0.00%	-897.52%	100.83%	10,964.63%	-221.16%	167.47%	-33.62%	145.09%	6.49%
Free Cash Flow Firm Growth	0.00%	0.00%	168.99%	498.41%	-256.68%	91.31%	657.95%	-52.75%	-65.09%
Invested Capital Growth	0.00%	0.00%	93.49%	-97.09%	5,823.56%	37.70%	-30.23%	2.17%	27.99%
Revenue Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
EBITDA Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
EBIT Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
NOPAT Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Net Income Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
EPS Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Cash Flow Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Invested Capital Q/Q Growth	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Profitability Metrics	-	-	-	-	-	-	-	-	-
Gross Margin	-12.48%	57.46%	66.50%	45.84%	5.58%	45.90%	40.33%	40.39%	70.40%
EBITDA Margin	-58.07%	27.34%	30.45%	19.57%	-70.86%	32.72%	34.26%	29.94%	32.10%
Operating Margin	-59.39%	28.08%	36.02%	26.31%	-65.22%	36.15%	30.38%	29.86%	31.91%
EBIT Margin	-59.40%	27.04%	30.17%	19.20%	-71.40%	32.49%	34.07%	29.83%	31.98%
Profit (Net Income) Margin	-52.18%	19.00%	24.94%	25.08%	-59.67%	22.76%	22.79%	24.65%	26.23%
Tax Burden Percent	81.65%	70.94%	81.39%	116.65%	81.70%	69.32%	66.37%	84.58%	81.29%
Interest Burden Percent	107.60%	99.04%	101.55%	111.98%	102.28%	101.06%	100.78%	97.69%	100.88%
Effective Tax Rate	0.00%	28.89%	-19.35%	-14.02%	0.00%	30.97%	31.82%	17.78%	21.42%
Return on Invested Capital (ROIC)	0.00%	68.61%	94.59%	83.72%	-56.81%	22.42%	17.17%	32.16%	33.82%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	73.37%	153.71%	89.04%	-39.87%	7.71%	-14.94%	31.88%	30.65%
Return on Net Nonoperating Assets (RNNOA)	0.00%	-30.15%	-61.76%	-64.20%	20.22%	1.20%	0.76%	-10.06%	-10.06%
Return on Equity (ROE)	0.00%	38.46%	32.83%	19.52%	-36.59%	23.61%	17.93%	22.10%	23.76%
Cash Return on Invested Capital (CROIC)	0.00%	-131.39%	30.88%	272.39%	-250.17%	-9.30%	52.78%	30.02%	9.26%
Operating Return on Assets (OROA)	0.00%	12.43%	24.46%	9.13%	-20.57%	16.04%	14.47%	13.84%	15.78%
Return on Assets (ROA)	0.00%	8.73%	20.22%	11.93%	-17.19%	11.24%	9.68%	11.44%	12.94%
Return on Common Equity (ROCE)	0.00%	38.39%	32.80%	19.52%	-36.57%	23.61%	17.93%	22.10%	23.76%
Return on Equity Simple (ROE_SIMPLE)	0.00%	19.26%	25.11%	17.74%	-42.56%	20.76%	17.08%	20.30%	22.15%
Net Operating Profit after Tax (NOPAT)	-14	55	222	133	-154	142	107	166	202
NOPAT Margin	-41.57%	19.97%	42.99%	30.00%	-45.66%	24.96%	20.71%	24.55%	25.08%
Net Nonoperating Expense Percent (NNEP)	0.00%	-4.76%	-59.12%	-5.32%	-16.94%	14.70%	32.11%	0.28%	3.17%
Return On Investment Capital (ROIC_SIMPLE)	-	-	-	-	-	-	-	-	19.47%
Cost of Revenue to Revenue	112.48%	42.54%	33.50%	54.16%	94.42%	54.10%	59.67%	59.61%	29.60%
SG&A Expenses to Revenue	26.80%	5.50%	6.21%	7.37%	8.17%	5.18%	4.81%	3.87%	3.00%
R&D to Revenue	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Operating Expenses to Revenue	46.90%	29.39%	30.49%	19.53%	70.81%	9.75%	9.95%	10.54%	38.48%
Earnings before Interest and Taxes (EBIT)	-20	74	155	85	-241	185	176	202	257
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	-19	75	157	87	-239	186	177	203	258
Valuation Ratios	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.00	0.39	0.25	0.25	0.14	0.46	0.43	0.39	0.86
Price to Tangible Book Value (P/TBV)	0.00	0.39	0.25	0.25	0.14	0.47	0.43	0.40	0.86
Price to Revenue (P/Rev)	3.16	0.38	0.25	0.35	0.19	0.51	0.57	0.48	1.01
Price to Earnings (P/E)	0.00	2.00	0.99	1.42	0.00	2.22	2.50	1.94	3.86
Dividend Yield	0.00%	0.00%	0.00%	6.43%	0.00%	0.00%	0.00%	5.03%	6.12%
Earnings Yield	0.00%	49.97%	100.93%	70.67%	0.00%	45.02%	40.04%	51.55%	25.88%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.00	0.00	0.00	0.25	0.54	0.23	0.03	0.79
Enterprise Value to Revenue (EV/Rev)	0.00	0.00	0.00	0.00	0.39	0.70	0.23	0.02	0.66
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	0.00	0.00	0.00	2.14	0.66	0.08	2.06
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	0.00	0.00	2.15	0.66	0.08	2.07
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	0.00	0.00	0.00	2.80	1.09	0.09	2.64
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	0.00	0.00	0.00	5.64	2.50	0.14	2.55
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	0.00	0.36	0.10	9.64
Leverage & Solvency	-	-	-	-	-	-	-	-	-
Debt to Equity	0.00	0.00	0.06	0.00	0.76	0.59	0.01	0.15	0.09
Long-Term Debt to Equity	0.00	0.00	0.00	0.00	0.76	0.59	0.00	0.05	0.04
Financial Leverage	0.00	-0.41	-0.40	-0.72	-0.51	0.16	-0.05	-0.32	-0.33
Leverage Ratio	0.00	2.20	1.62	1.64	2.13	2.10	1.85	1.93	1.84
Compound Leverage Factor	0.00	2.18	1.65	1.83	2.18	2.12	1.87	1.89	1.85
Debt to Total Capital	0.00%	0.00%	5.33%	0.00%	43.18%	37.01%	1.46%	12.75%	8.05%
Short-Term Debt to Total Capital	0.00%	0.00%	5.33%	0.00%	0.00%	0.00%	1.46%	8.43%	4.34%
Long-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	43.18%	37.01%	0.00%	4.32%	3.70%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.18%	0.03%	0.03%	0.02%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	0.00%	99.82%	94.64%	99.97%	56.79%	63.00%	98.54%	87.25%	91.95%
Debt to EBITDA	0.00	0.00	0.18	0.00	-1.50	1.97	0.06	0.59	0.32
Net Debt to EBITDA	0.00	0.00	-1.27	0.00	-0.28	0.59	-1.00	-1.52	-1.10
Long-Term Debt to EBITDA	0.00	0.00	0.00	0.00	-1.50	1.97	0.00	0.20	0.15
Debt to NOPAT	0.00	0.00	0.13	0.00	-2.34	2.58	0.10	0.72	0.41
Net Debt to NOPAT	0.00	0.00	-0.90	0.00	-0.44	0.77	-1.65	-1.85	-1.40
Long-Term Debt to NOPAT	0.00	0.00	0.00	0.00	-2.34	2.58	0.00	0.25	0.19
Altman Z-Score	0.00	1.36	2.72	1.41	-0.11	1.54	1.54	1.41	2.22
Noncontrolling Interest Sharing Ratio	0.00%	0.18%	0.08%	0.03%	0.03%	0.02%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-
Current Ratio	0.00	3.02	2.92	4.31	3.54	1.21	2.04	1.15	0.87
Quick Ratio	0.00	2.89	2.29	2.06	1.32	0.59	1.96	0.69	0.51
Cash Flow Metrics	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	0.00	-105	72	433	-678	-59	329	155	55
Operating Cash Flow to CapEx	2,416.83%	-2,980.90%	13.86%	3,996.38%	-12,849.47%	18,846.95%	5,334.21%	9,634.42%	10,792.55%
Free Cash Flow to Firm to Interest Expense	0.00	-70.07	0.00	0.00	-76.84	-51.70	367.77	2,077.09	0.00
Operating Cash Flow to Interest Expense	18.94	-63.11	0.00	0.00	-11.84	61.81	52.32	1,532.64	0.00
Operating Cash Flow Less CapEx to Interest Expense	18.16	-65.22	0.00	0.00	-11.93	61.48	51.34	1,516.73	0.00
Efficiency Ratios	-	-	-	-	-	-	-	-	-
Asset Turnover	0.00	0.46	0.81	0.48	0.29	0.49	0.42	0.46	0.49
Accounts Receivable Turnover	0.00	1.61	2.77	2.84	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	0.00	85.07	156.12	141.42	146.51	424.06	567.39	656.16	475.09
Accounts Payable Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Sales Outstanding (DSO)	0.00	226.92	131.74	128.58	0.00	0.00	0.00	0.00	0.00
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Cash Conversion Cycle (CCC)	0.00	226.92	131.74	128.58	0.00	0.00	0.00	0.00	0.00
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-
Invested Capital	0.00	160	309	9.00	533	734	512	523	670
Invested Capital Turnover	0.00	3.44	2.20	2.79	1.24	0.90	0.83	1.31	1.35
Increase / (Decrease) in Invested Capital	0.00	160	149	-300	524	201	-222	11	146
Enterprise Value (EV)	0.00	-6.34	-71	-103	133	398	117	16	532
Market Capitalization	105	105	127	157	66	288	294	324	815
Book Value per Share	$0.00	$1.04	$1.79	$1.03	$0.74	$0.97	$1.05	$1.43	$1.62
Tangible Book Value per Share	$0.00	$1.03	$1.77	$1.02	$0.73	$0.96	$1.04	$1.42	$1.61
Total Capital	0.00	271	541	627	833	991	699	944	1,036
Total Debt	0.00	0.00	29	0.00	360	367	10	120	83
Total Long-Term Debt	0.00	0.00	0.00	0.00	360	367	0.00	41	38
Net Debt	0.00	-111	-199	-260	67	110	-177	-309	-283
Capital Expenditures (CapEx)	0.49	3.17	5.62	2.16	0.81	0.37	0.88	1.19	1.93
Debt-free, Cash-free Net Working Capital (DFCFNWC)	0.00	88	143	192	-25	-123	59	-158	-217
Debt-free Net Working Capital (DFNWC)	0.00	191	329	410	221	33	146	116	11
Net Working Capital (NWC)	0.00	191	300	410	221	33	136	37	-34
Net Nonoperating Expense (NNE)	3.50	2.65	93	22	47	13	-11	-0.66	-9.24
Net Nonoperating Obligations (NNO)	0.00	-111	-203	-618	60	110	-177	-300	-283
Total Depreciation and Amortization (D&A)	0.44	0.82	1.40	1.63	1.83	1.28	0.96	0.74	0.99
Debt-free, Cash-free Net Working Capital to Revenue	0.00%	32.27%	27.76%	43.26%	-7.35%	-21.61%	11.32%	-23.25%	-26.94%
Debt-free Net Working Capital to Revenue	0.00%	69.84%	63.85%	92.49%	65.55%	5.75%	28.23%	17.13%	1.36%
Net Working Capital to Revenue	0.00%	69.84%	58.26%	92.49%	65.55%	5.75%	26.26%	5.40%	-4.24%
Earnings Adjustments	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	$0.00	$1.35	$1.05	($0.62)	$0.39	$0.37	$0.08	$0.10
Adjusted Weighted Average Basic Shares Outstanding	0.00	0.00	95.53M	104.59M	321.24M	329.23M	316.44M	288.12M	288.83M
Adjusted Diluted Earnings per Share	$0.00	$0.00	$1.26	$1.05	($0.62)	$0.38	$0.37	$0.08	$0.10
Adjusted Weighted Average Diluted Shares Outstanding	0.00	0.00	101.33M	106.58M	321.24M	336.88M	322.40M	290.83M	293.35M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	0.00	202.41M	213.78M	646.24M	658.24M	575.84M	587.11M	501.36M
Normalized Net Operating Profit after Tax (NOPAT)	-14	55	130	82	-51	142	107	166	202
Normalized NOPAT Margin	-41.57%	19.97%	25.21%	18.42%	-15.01%	24.96%	20.71%	24.55%	25.08%
Pre Tax Income Margin	-63.91%	26.78%	30.64%	21.50%	-73.03%	32.84%	34.34%	29.14%	32.26%
Debt Service Ratios	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	-31.39	49.56	0.00	0.00	-27.29	162.16	196.82	2,703.68	0.00
NOPAT to Interest Expense	-21.97	36.59	0.00	0.00	-17.45	124.55	119.62	2,225.33	0.00
EBIT Less CapEx to Interest Expense	-32.17	47.44	0.00	0.00	-27.38	161.83	195.84	2,687.78	0.00
NOPAT Less CapEx to Interest Expense	-22.75	34.47	0.00	0.00	-17.54	124.22	118.64	2,209.42	0.00
Payout Ratios	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	13.32%	0.00%	0.15%	0.00%	4.92%	7.57%
Augmented Payout Ratio	0.00%	0.00%	0.00%	13.32%	0.00%	0.15%	18.07%	7.02%	19.41%

No quarterly metrics and ratios for X Financial are available.

Frequently Asked Questions About X Financial's Financials

When does X Financial's fiscal year end?

According to the most recent income statement we have on file, X Financial's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has X Financial's net income changed over the last 8 years?

X Financial's net income appears to be on an upward trend, with a most recent value of $210.97 million in 2024, falling from -$17.23 million in 2016. The previous period was $167.16 million in 2023.

What is X Financial's operating income?

X Financial's total operating income in 2024 was $256.71 million, based on the following breakdown:

Total Gross Profit: $566.29 million
Total Operating Expenses: $309.58 million

How has X Financial revenue changed over the last 8 years?

Over the last 8 years, X Financial's total revenue changed from $33.02 million in 2016 to $804.43 million in 2024, a change of 2,336.0%.

How much debt does X Financial have?

X Financial's total liabilities were at $666.66 million at the end of 2024, a 18.4% decrease from 2023, and a 104.7% increase since 2017.

How much cash does X Financial have?

In the past 7 years, X Financial's cash and equivalents has ranged from $87.32 million in 2022 to $168.36 million in 2023, and is currently $134.89 million as of their latest financial filing in 2024.

How has X Financial's book value per share changed over the last 8 years?

Over the last 8 years, X Financial's book value per share changed from 0.00 in 2016 to 1.62 in 2024, a change of 162.3%.

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This page (NYSE:XYF) was last updated on 5/4/2025 by MarketBeat.com Staff

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X Financial (XYF) Financials

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