What is X Financial's operating income?

X Financial's total operating income in 2025 was $233.10 million, based on the following breakdown: Total Gross Profit: $803.59 million Total Operating Expenses: $570.49 million

X Financial (XYF) Financials

$4.69 +0.06 (+1.34%)

As of 01:43 PM Eastern

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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	2025
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	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	-17	52	129	111	-201	130	118	167	211	209
Consolidated Net Income / (Loss)	-17	52	129	111	-201	130	118	167	211	209
Net Income / (Loss) Continuing Operations	-17	52	190	111	-201	130	113	167	211	209
Total Pre-Tax Income	-21	73	158	95	-246	187	177	207	260	250
Total Operating Income	-20	77	186	117	-220	206	176	206	257	233
Total Gross Profit	-4.12	158	343	203	19	261	323	461	566	804
Total Revenue	33	274	515	443	337	569	517	678	804	1,092
Operating Revenue	33	274	515	443	337	569	517	678	804	1,092
Total Cost of Revenue	37	117	173	240	318	308	194	217	239	289
Operating Cost of Revenue	37	117	173	235	319	308	194	217	238	289
Other Cost of Revenue	-	-	0.00	5.40	-0.15	-0.19	-0.11	-0.08	0.46	-0.10
Total Operating Expenses	15	81	157	87	239	55	147	255	309	570
Selling, General & Admin Expense	8.85	15	32	33	28	29	21	22	24	29
Marketing Expense	5.48	12	30	15	5.48	3.27	121	193	217	315
Other Operating Expenses / (Income)	1.16	54	95	39	58	23	5.25	7.20	37	178
Other Special Charges / (Income)	-	-	-	-	-	-	-	33	31	49
Total Other Income / (Expense), net	-1.50	-3.55	-28	-21	-26	-19	0.92	0.91	2.82	17
Interest Expense	0.62	1.50	-1.80	-9.21	8.83	1.14	-	4.32	3.14	2.70
Interest & Investment Income	-0.87	0.79	0.61	0.98	3.34	3.09	-2.12	2.37	5.41	2.15
Other Income / (Expense), net	-0.00	-2.84	-30	-32	-21	-21	3.04	2.86	0.55	18
Income Tax Expense	-3.87	21	-31	-13	-46	58	57	37	56	42
Other Gains / (Losses), net	0.00	-0.13	1.17	2.51	-1.05	0.52	-6.13	-2.91	7.02	0.89
Basic Earnings per Share	($0.50)	$1.30	$3.08	$2.47	($4.07)	$0.39	$0.37	$0.58	$0.73	$0.12
Weighted Average Basic Shares Outstanding	238.10M	261.22M	286.59M	313.76M	321.24M	329.23M	316.44M	288.12M	288.83M	243.98M
Diluted Earnings per Share	($0.50)	$1.22	$2.91	$2.42	($4.07)	$0.38	$0.37	$0.57	$0.72	$0.12
Weighted Average Diluted Shares Outstanding	238.10M	279.71M	303.98M	319.75M	321.24M	336.88M	322.40M	290.83M	293.35M	249.49M
Weighted Average Basic & Diluted Shares Outstanding	-	-	607.23M	641.34M	646.24M	658.24M	575.84M	587.11M	501.36M	469.04M
Cash Dividends to Common per Share	-	-	-	-	-	-	-	$0.06	$0.03	$0.09

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	2025
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	12/31/2025
Net Change in Cash & Equivalents	20	28	86	-397	12	-95	46	213	-50	94
Net Cash From Operating Activities	12	-94	0.78	86	-104	70	91	196	209	210
Net Cash From Continuing Operating Activities	12	-94	0.78	86	-104	70	91	196	197	210
Net Income / (Loss) Continuing Operations	-17	52	129	111	-201	130	118	167	211	209
Consolidated Net Income / (Loss)	-17	52	129	111	-201	130	118	167	211	209
Depreciation Expense	0.44	0.82	1.40	1.63	1.83	1.28	0.96	0.74	0.99	1.60
Non-Cash Adjustments To Reconcile Net Income	8.62	-239	8.61	74	38	-119	-65	-4.25	-54	-20
Changes in Operating Assets and Liabilities, net	20	91	-138	-101	58	59	38	32	39	19
Net Cash From Investing Activities	-105	-1.66	60	-442	-570	-368	-177	-237	17	-152
Net Cash From Continuing Investing Activities	-105	-1.66	60	-442	-570	-368	-133	-156	17	-126
Purchase of Property, Plant & Equipment	-0.49	-3.17	-5.62	-2.17	-0.83	-0.41	-0.88	-1.19	-1.95	-3.13
Purchase of Investments	-3.05	-8.44	-33	0.00	-1.46	-489	-1,094	-1,340	-1,801	-1,157
Sale of Property, Plant & Equipment	0.00	0.00	0.00	0.02	0.01	0.04	0.00	0.00	0.01	0.01
Sale and/or Maturity of Investments	0.00	2.53	-	0.00	0.00	35	0.99	0.00	54	8.27
Other Investing Activities, net	-102	7.42	98	-440	-568	85	961	1,185	1,766	1,026
Net Cash From Financing Activities	111	127	26	389	691	204	84	173	-265	11
Net Cash From Continuing Financing Activities	111	127	26	-42	691	204	84	173	-265	11
Repayment of Debt	-47	-60	0.00	-58	-25	-71	-24	-43	-51	-92
Repurchase of Common Equity	-	-	-	-	0.00	0.00	-21	-3.50	-25	-105
Payment of Dividends	-	0.00	0.00	-15	0.00	-0.19	0.00	-8.23	-16	-22
Issuance of Debt	47	44	29	29	79	42	10	113	18	104
Other Financing Activities, net	111	-9.70	-106	0.87	637	233	119	115	-192	126
Effect of Exchange Rate Changes	2.61	-3.80	-0.91	1.53	-4.37	-1.47	4.24	0.32	0.94	-1.18

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	2025
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	12/31/2025
Total Assets	597	675	1,189	1,153	1,152	1,281	1,641	1,619	2,097
Total Current Assets	286	456	534	308	189	266	281	232	311
Cash & Equivalents	103	156	144	115	92	87	168	135	141
Restricted Cash	-	30	74	131	64	-	106	93	164
Prepaid Expenses	13	17	102	62	33	10	6.87	4.67	6.23
Plant, Property, & Equipment, net	3.22	3.38	2.89	1.71	0.97	0.85	1.22	2.17	3.42
Total Noncurrent Assets	307	211	294	836	962	1,014	1,359	1,385	1,782
Long-Term Investments	8.31	42	42	46	101	100	155	139	251
Noncurrent Note & Lease Receivables	148	111	96	190	392	554	698	661	758
Intangible Assets	0.25	4.13	5.04	5.76	5.78	5.30	5.18	5.01	5.60
Noncurrent Deferred & Refundable Income Taxes	45	50	67	93	43	13	19	27	65
Other Noncurrent Operating Assets	105	3.90	84	501	421	343	481	553	703
Total Liabilities & Shareholders' Equity	597	675	1,189	1,153	1,152	1,281	1,641	1,619	2,097
Total Liabilities	326	163	562	680	528	592	817	667	977
Total Current Liabilities	95	156	124	87	156	130	244	266	317
Short-Term Debt	0.00	29	0.00	-	-	10	80	45	59
Accrued Expenses	21	26	39	50	42	69	81	127	149
Current Deferred & Payable Income Tax Liabilities	62	45	49	12	18	39	63	81	97
Other Current Liabilities	12	36	20	25	96	9.23	12	13	13
Total Noncurrent Liabilities	231	6.90	438	593	372	462	573	400	659
Long-Term Debt	-	-	-	360	367	-	41	38	32
Noncurrent Deferred & Payable Income Tax Liabilities	0.00	6.90	0.19	-	0.00	0.10	4.23	9.04	9.96
Other Noncurrent Operating Liabilities	231	0.00	438	234	5.18	462	528	353	617
Commitments & Contingencies	0.00	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	1,121
Total Preferred & Common Equity	270	512	627	473	624	689	824	953	1,121
Total Common Equity	270	512	627	473	624	689	824	953	1,121
Common Stock	303	411	429	472	496	463	450	439	466
Retained Earnings	-37	93	188	-2.24	127	235	379	572	784
Treasury Stock	-	-	-	-	0.00	-18	-16	-70	-138
Accumulated Other Comprehensive Income / (Loss)	5.13	7.64	9.63	3.24	0.99	9.22	9.79	11	9.11

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	2025
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	12/31/2025
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	469,035,802.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	469,035,802.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	0.45
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	0.00%	730.31%	87.95%	-13.97%	-23.93%	68.72%	-9.22%	31.28%	18.62%	35.80%
EBITDA Growth	0.00%	490.93%	109.29%	-44.70%	-375.48%	177.90%	-4.94%	14.71%	23.24%	-2.27%
EBIT Growth	0.00%	477.99%	109.73%	-45.26%	-382.92%	176.78%	-4.81%	14.92%	23.21%	-2.51%
NOPAT Growth	0.00%	498.78%	304.65%	-39.95%	-215.76%	192.23%	-24.68%	55.63%	19.14%	-3.71%
Net Income Growth	0.00%	402.30%	146.73%	-13.49%	-280.98%	164.36%	-9.11%	41.98%	26.21%	-0.73%
EPS Growth	0.00%	344.00%	146.73%	-13.49%	-268.18%	109.45%	-4.97%	-78.02%	-82.84%	-83.30%
Operating Cash Flow Growth	0.00%	-897.52%	100.83%	10,964.63%	-221.16%	167.47%	-33.62%	145.09%	6.49%	0.55%
Free Cash Flow Firm Growth	0.00%	0.00%	168.99%	498.41%	-256.68%	91.31%	657.95%	-52.75%	-65.09%	279.49%
Invested Capital Growth	0.00%	0.00%	93.49%	-97.09%	5,823.56%	37.70%	-30.23%	2.17%	27.99%	-2.30%
Revenue Q/Q Growth	0.00%	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%	0.00%
EBIT Q/Q Growth	0.00%	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%	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%	0.00%
EPS Q/Q Growth	0.00%	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%	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%	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%	0.00%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
Gross Margin	-12.48%	57.46%	66.50%	45.84%	5.58%	45.90%	40.33%	40.39%	70.40%	73.56%
EBITDA Margin	-58.07%	27.34%	30.45%	19.57%	-70.86%	32.72%	34.26%	29.94%	32.10%	23.10%
Operating Margin	-59.39%	28.08%	36.02%	26.31%	-65.22%	36.15%	30.38%	29.86%	31.91%	21.34%
EBIT Margin	-59.40%	27.04%	30.17%	19.20%	-71.40%	32.49%	34.07%	29.83%	31.98%	22.96%
Profit (Net Income) Margin	-52.18%	19.00%	24.94%	25.08%	-59.67%	22.76%	22.79%	24.65%	26.23%	19.17%
Tax Burden Percent	81.65%	70.94%	81.39%	116.65%	81.70%	69.32%	66.37%	84.58%	81.29%	83.69%
Interest Burden Percent	107.60%	99.04%	101.55%	111.98%	102.28%	101.06%	100.78%	97.69%	100.88%	99.78%
Effective Tax Rate	0.00%	28.89%	-19.35%	-14.02%	0.00%	30.97%	31.82%	17.78%	21.42%	16.67%
Return on Invested Capital (ROIC)	0.00%	68.61%	94.59%	83.72%	-56.81%	22.42%	17.17%	32.16%	33.82%	29.34%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	73.37%	153.71%	89.04%	-39.87%	7.71%	-14.94%	31.88%	30.65%	25.29%
Return on Net Nonoperating Assets (RNNOA)	0.00%	-30.15%	-61.76%	-64.20%	20.22%	1.20%	0.76%	-10.06%	-10.06%	-9.14%
Return on Equity (ROE)	0.00%	38.46%	32.83%	19.52%	-36.59%	23.61%	17.93%	22.10%	23.76%	20.20%
Cash Return on Invested Capital (CROIC)	0.00%	-131.39%	30.88%	272.39%	-250.17%	-9.30%	52.78%	30.02%	9.26%	31.66%
Operating Return on Assets (OROA)	0.00%	12.43%	24.46%	9.13%	-20.57%	16.04%	14.47%	13.84%	15.78%	13.50%
Return on Assets (ROA)	0.00%	8.73%	20.22%	11.93%	-17.19%	11.24%	9.68%	11.44%	12.94%	11.27%
Return on Common Equity (ROCE)	0.00%	38.39%	32.80%	19.52%	-36.57%	23.61%	17.93%	22.10%	23.76%	20.20%
Return on Equity Simple (ROE_SIMPLE)	0.00%	19.26%	25.11%	17.74%	-42.56%	20.76%	17.08%	20.30%	22.15%	0.00%
Net Operating Profit after Tax (NOPAT)	-14	55	222	133	-154	142	107	166	202	194
NOPAT Margin	-41.57%	19.97%	42.99%	30.00%	-45.66%	24.96%	20.71%	24.55%	25.08%	17.78%
Net Nonoperating Expense Percent (NNEP)	0.00%	-4.76%	-59.12%	-5.32%	-16.94%	14.70%	32.11%	0.28%	3.17%	4.05%
Return On Investment Capital (ROIC_SIMPLE)	-	-	-	-	-	-	-	-	19.47%	16.04%
Cost of Revenue to Revenue	112.48%	42.54%	33.50%	54.16%	94.42%	54.10%	59.67%	59.61%	29.60%	26.44%
SG&A Expenses to Revenue	26.80%	5.50%	6.21%	7.37%	8.17%	5.18%	4.81%	3.87%	3.00%	2.61%
R&D to Revenue	0.00%	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%	52.22%
Earnings before Interest and Taxes (EBIT)	-20	74	155	85	-241	185	176	202	257	251
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	-19	75	157	87	-239	186	177	203	258	252
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	0.39
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	0.40
Price to Revenue (P/Rev)	3.16	0.38	0.25	0.35	0.19	0.51	0.57	0.48	1.01	0.40
Price to Earnings (P/E)	0.00	2.00	0.99	1.42	0.00	2.22	2.50	1.94	3.86	2.11
Dividend Yield	0.00%	0.00%	0.00%	6.43%	0.00%	0.00%	0.00%	5.03%	6.12%	10.03%
Earnings Yield	0.00%	49.97%	100.93%	70.67%	0.00%	45.02%	40.04%	51.55%	25.88%	47.45%
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	0.00
Enterprise Value to Revenue (EV/Rev)	0.00	0.00	0.00	0.00	0.39	0.70	0.23	0.02	0.66	0.00
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	0.00	0.00	0.00	2.14	0.66	0.08	2.06	0.00
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	0.00	0.00	2.15	0.66	0.08	2.07	0.00
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	0.00	0.00	0.00	2.80	1.09	0.09	2.64	0.00
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	0.00
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	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.00	0.00	0.06	0.00	0.76	0.59	0.01	0.15	0.09	0.08
Long-Term Debt to Equity	0.00	0.00	0.00	0.00	0.76	0.59	0.00	0.05	0.04	0.03
Financial Leverage	0.00	-0.41	-0.40	-0.72	-0.51	0.16	-0.05	-0.32	-0.33	-0.36
Leverage Ratio	0.00	2.20	1.62	1.64	2.13	2.10	1.85	1.93	1.84	1.79
Compound Leverage Factor	0.00	2.18	1.65	1.83	2.18	2.12	1.87	1.89	1.85	1.79
Debt to Total Capital	0.00%	0.00%	5.33%	0.00%	43.18%	37.01%	1.46%	12.75%	8.05%	7.46%
Short-Term Debt to Total Capital	0.00%	0.00%	5.33%	0.00%	0.00%	0.00%	1.46%	8.43%	4.34%	4.84%
Long-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	43.18%	37.01%	0.00%	4.32%	3.70%	2.62%
Preferred Equity to Total Capital	0.00%	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%	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%	92.54%
Debt to EBITDA	0.00	0.00	0.18	0.00	-1.50	1.97	0.06	0.59	0.32	0.36
Net Debt to EBITDA	0.00	0.00	-1.27	0.00	-0.28	0.59	-1.00	-1.52	-1.10	-1.85
Long-Term Debt to EBITDA	0.00	0.00	0.00	0.00	-1.50	1.97	0.00	0.20	0.15	0.13
Debt to NOPAT	0.00	0.00	0.13	0.00	-2.34	2.58	0.10	0.72	0.41	0.46
Net Debt to NOPAT	0.00	0.00	-0.90	0.00	-0.44	0.77	-1.65	-1.85	-1.40	-2.40
Long-Term Debt to NOPAT	0.00	0.00	0.00	0.00	-2.34	2.58	0.00	0.25	0.19	0.16
Altman Z-Score	0.00	1.36	2.72	1.41	-0.11	1.54	1.54	1.41	2.22	1.71
Noncontrolling Interest Sharing Ratio	0.00%	0.18%	0.08%	0.03%	0.03%	0.02%	0.00%	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	0.98
Quick Ratio	0.00	2.89	2.29	2.06	1.32	0.59	1.96	0.69	0.51	0.45
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	0.00	-105	72	433	-678	-59	329	155	55	210
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%	6,725.08%
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	77.76
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	77.84
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	76.68
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.00	0.46	0.81	0.48	0.29	0.49	0.42	0.46	0.49	0.59
Accounts Receivable Turnover	0.00	1.61	2.77	2.84	0.00	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	0.00
Fixed Asset Turnover	0.00	85.07	156.12	141.42	146.51	424.06	567.39	656.16	475.09	391.08
Accounts Payable Turnover	0.00	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	0.00
Days Inventory Outstanding (DIO)	0.00	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	0.00
Cash Conversion Cycle (CCC)	0.00	226.92	131.74	128.58	0.00	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	654
Invested Capital Turnover	0.00	3.44	2.20	2.79	1.24	0.90	0.83	1.31	1.35	1.65
Increase / (Decrease) in Invested Capital	0.00	160	149	-300	524	201	-222	11	146	-15
Enterprise Value (EV)	0.00	-6.34	-71	-103	133	398	117	16	532	-25
Market Capitalization	105	105	127	157	66	288	294	324	815	441
Book Value per Share	$0.00	$1.04	$1.79	$1.03	$0.74	$0.97	$1.05	$1.43	$1.62	$2.24
Tangible Book Value per Share	$0.00	$1.03	$1.77	$1.02	$0.73	$0.96	$1.04	$1.42	$1.61	$2.22
Total Capital	0.00	271	541	627	833	991	699	944	1,036	1,211
Total Debt	0.00	0.00	29	0.00	360	367	10	120	83	90
Total Long-Term Debt	0.00	0.00	0.00	0.00	360	367	0.00	41	38	32
Net Debt	0.00	-111	-199	-260	67	110	-177	-309	-283	-466
Capital Expenditures (CapEx)	0.49	3.17	5.62	2.16	0.81	0.37	0.88	1.19	1.93	3.12
Debt-free, Cash-free Net Working Capital (DFCFNWC)	0.00	88	143	192	-25	-123	59	-158	-217	-253
Debt-free Net Working Capital (DFNWC)	0.00	191	329	410	221	33	146	116	11	52
Net Working Capital (NWC)	0.00	191	300	410	221	33	136	37	-34	-6.07
Net Nonoperating Expense (NNE)	3.50	2.65	93	22	47	13	-11	-0.66	-9.24	-15
Net Nonoperating Obligations (NNO)	0.00	-111	-203	-618	60	110	-177	-300	-283	-466
Total Depreciation and Amortization (D&A)	0.44	0.82	1.40	1.63	1.83	1.28	0.96	0.74	0.99	1.60
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%	-23.12%
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%	4.81%
Net Working Capital to Revenue	0.00%	69.84%	58.26%	92.49%	65.55%	5.75%	26.26%	5.40%	-4.24%	-0.56%
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	$0.12
Adjusted Weighted Average Basic Shares Outstanding	0.00	0.00	95.53M	104.59M	321.24M	329.23M	316.44M	288.12M	288.83M	243.98M
Adjusted Diluted Earnings per Share	$0.00	$0.00	$1.26	$1.05	($0.62)	$0.38	$0.37	$0.08	$0.10	$0.12
Adjusted Weighted Average Diluted Shares Outstanding	0.00	0.00	101.33M	106.58M	321.24M	336.88M	322.40M	290.83M	293.35M	249.49M
Adjusted Basic & Diluted Earnings per Share	$0.00	$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	469.04M
Normalized Net Operating Profit after Tax (NOPAT)	-14	55	130	82	-51	142	107	166	202	235
Normalized NOPAT Margin	-41.57%	19.97%	25.21%	18.42%	-15.01%	24.96%	20.71%	24.55%	25.08%	21.49%
Pre Tax Income Margin	-63.91%	26.78%	30.64%	21.50%	-73.03%	32.84%	34.34%	29.14%	32.26%	22.91%
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	93.02
NOPAT to Interest Expense	-21.97	36.59	0.00	0.00	-17.45	124.55	119.62	2,225.33	0.00	72.05
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	91.86
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	70.89
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	13.32%	0.00%	0.15%	0.00%	4.92%	7.57%	10.57%
Augmented Payout Ratio	0.00%	0.00%	0.00%	13.32%	0.00%	0.15%	18.07%	7.02%	19.41%	60.68%

No quarterly metrics and ratios for X Financial are available.

Financials Breakdown Chart

X Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, X Financial's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

X Financial's net income appears to be on an upward trend, with a most recent value of $209.43 million in 2025, falling from -$17.23 million in 2016. The previous period was $210.97 million in 2024. See X Financial's forecast for analyst expectations on what's next for the company.

X Financial's total operating income in 2025 was $233.10 million, based on the following breakdown:

Total Gross Profit: $803.59 million
Total Operating Expenses: $570.49 million

Over the last 9 years, X Financial's total revenue changed from $33.02 million in 2016 to $1.09 billion in 2025, a change of 3,208.0%.

X Financial's total liabilities were at $976.53 million at the end of 2025, a 46.5% increase from 2024, and a 199.9% increase since 2017.

In the past 8 years, X Financial's cash and equivalents has ranged from $87.32 million in 2022 to $168.36 million in 2023, and is currently $141.23 million as of their latest financial filing in 2025.

Over the last 9 years, X Financial's book value per share changed from 0.00 in 2016 to 2.24 in 2025, a change of 223.5%.

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Financial statements for NYSE:XYF last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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X Financial (XYF) Financials

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X Financial (XYF) Financials

Annual Income Statements for X Financial

Quarterly Income Statements for X Financial

Annual Cash Flow Statements for X Financial

Quarterly Cash Flow Statements for X Financial

Annual Balance Sheets for X Financial

Quarterly Balance Sheets for X Financial

Annual Metrics And Ratios for X Financial

Quarterly Metrics And Ratios for X Financial

Financials Breakdown Chart

X Financial Financials - Frequently Asked Questions

When does X Financial's fiscal year end?

How has X Financial's net income changed over the last 9 years?

What is X Financial's operating income?

How has X Financial's revenue changed over the last 9 years?

How much debt does X Financial have?

How much cash does X Financial have?

How has X Financial's book value per share changed over the last 9 years?

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