X Financial (XYF) Financials

$17.32 -0.30 (-1.70%)

Closing price 05/23/2025 03:59 PM Eastern

Extended Trading

$17.18 -0.15 (-0.84%)

As of 05/23/2025 07:42 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	2024	2023	2022	2021	2020	2019	2018	2017	2016
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016
Net Income / (Loss) Attributable to Common Shareholders	211	167	118	130	-201	111	129	52	-17
Consolidated Net Income / (Loss)	211	167	118	130	-201	111	129	52	-17
Net Income / (Loss) Continuing Operations	205	170	113	130	-201	111	190	52	-17
Total Pre-Tax Income	260	207	177	187	-246	95	158	73	-21
Total Operating Income	257	206	176	206	-220	117	186	77	-20
Total Gross Profit	566	461	323	261	19	203	343	158	-4.12
Total Revenue	804	678	517	569	337	443	515	274	33
Operating Revenue	804	678	517	569	337	443	515	274	33
Total Cost of Revenue	238	217	194	308	318	240	173	117	37
Operating Cost of Revenue	238	217	194	308	319	235	173	117	37
Other Cost of Revenue	0.02	0.01	-0.11	-0.19	-0.15	5.40	0.00	-	-
Total Operating Expenses	310	255	147	55	239	87	157	81	15
Selling, General & Admin Expense	24	22	21	29	28	33	32	15	8.85
Marketing Expense	217	193	121	3.27	5.48	15	30	12	5.48
Other Operating Expenses / (Income)	69	40	5.25	23	58	39	95	54	1.16
Total Other Income / (Expense), net	2.82	0.91	0.92	-19	-26	-21	-28	-3.55	-1.50
Interest & Investment Income	2.27	-1.95	-2.12	3.09	3.34	0.98	0.61	0.79	-0.87
Other Income / (Expense), net	0.55	2.86	3.04	-21	-21	-32	-30	-2.84	-0.00
Income Tax Expense	56	37	57	58	-46	-13	-31	21	-3.87
Other Gains / (Losses), net	1.39	-0.27	-6.13	0.52	-1.05	2.51	1.17	-0.13	0.00
Other Adjustments to Consolidated Net Income / (Loss)	5.63	-2.64	4.41	-	-	-	-	-	-
Net Income / (Loss) Attributable to Noncontrolling Interest	0.00	0.00	0.00	-0.00	0.01	0.03	-0.01	-0.12	-0.09
Basic Earnings per Share	$0.10	$0.58	$0.37	$0.39	($4.07)	$2.47	$3.08	$1.30	($0.50)
Weighted Average Basic Shares Outstanding	288.83M	288.12M	316.44M	329.23M	321.24M	313.76M	286.59M	261.22M	238.10M
Diluted Earnings per Share	$0.10	$0.57	$0.37	$0.38	($4.07)	$2.42	$2.91	$1.22	($0.50)
Weighted Average Diluted Shares Outstanding	293.35M	290.83M	322.40M	336.88M	321.24M	319.75M	303.98M	279.71M	238.10M
Weighted Average Basic & Diluted Shares Outstanding	501.36M	587.11M	575.84M	658.24M	646.24M	641.34M	607.23M	-	-

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	2024	2023	2022	2021	2020	2019	2018	2017	2016
Period end date	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018	12/31/2017	12/31/2016
Net Change in Cash & Equivalents	-56	213	46	-95	12	-397	86	28	20
Net Cash From Operating Activities	209	196	91	70	-104	86	0.78	-94	12
Net Cash From Continuing Operating Activities	193	196	91	70	-104	86	0.78	-94	12
Net Income / (Loss) Continuing Operations	211	167	118	130	-201	111	129	52	-17
Consolidated Net Income / (Loss)	211	167	118	130	-201	111	129	52	-17
Depreciation Expense	0.99	0.74	0.96	1.28	1.83	1.63	1.40	0.82	0.44
Non-Cash Adjustments To Reconcile Net Income	-54	-7.83	-65	-119	38	74	8.61	-239	8.62
Changes in Operating Assets and Liabilities, net	35	36	38	59	58	-101	-138	91	20
Net Cash From Investing Activities	17	-237	-177	-368	-570	-442	60	-1.66	-105
Net Cash From Continuing Investing Activities	17	-156	-133	-368	-570	-442	60	-1.66	-105
Purchase of Property, Plant & Equipment	-1.95	-1.19	-0.88	-0.41	-0.83	-2.17	-5.62	-3.17	-0.49
Purchase of Investments	-1,801	-1,340	-1,094	-489	-1.46	0.00	-33	-8.44	-3.05
Sale of Property, Plant & Equipment	0.01	0.00	0.00	0.04	0.01	0.02	0.00	0.00	0.00
Sale and/or Maturity of Investments	54	0.00	0.99	35	0.00	0.00	-	2.53	0.00
Other Investing Activities, net	1,766	1,185	961	85	-568	-440	98	7.42	-102
Net Cash From Financing Activities	-265	173	84	204	691	389	26	127	111
Net Cash From Continuing Financing Activities	-265	173	84	204	691	-42	26	127	111
Repayment of Debt	-51	-43	-24	-71	-25	-58	0.00	-60	-47
Repurchase of Common Equity	-25	-3.50	-21	0.00	0.00	-	-	-	-
Payment of Dividends	-16	-8.23	0.00	-0.19	0.00	-15	0.00	0.00	-
Issuance of Debt	18	113	10	42	79	29	29	44	47
Other Financing Activities, net	-192	115	119	233	637	0.87	-106	-9.70	111
Cash Interest Paid	3.31	3.27	0.29	1.05	1.75	0.50	0.00	0.00	-
Cash Income Taxes Paid	40	14	5.42	4.86	17	6.18	44	0.02	0.00

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

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

No quarterly metrics and ratios for X Financial are available.

Frequently Asked Questions About X Financial's Financials

When does X Financial's financial year end?

According to the most recent income statement we have on file, X Financial's fiscal year ends in December. Their fiscal 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 5/24/2025 by MarketBeat.com Staff

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X Financial (XYF) Financials

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