XYF · CIK 0001725033
X Financial
Annual figures as reported, FY2015–FY2025. Ratios and growth rates derived on-page.
Finance Services
Company profile
Revenue
CN¥7.6B
▲ +30.1% vs FY2024
Net income
CN¥1.5B
▼ −4.9% vs FY2024
Free cash flow
CN¥1.4B
▼ −4.2% vs FY2024
Diluted EPS
CN¥5.87
▲ +11.8% vs FY2024
Revenue
Annual, as reported
Net income
Losses shown in terracotta
Profitability & returns
quality of earningsMargins
Share of revenue kept at each line
Gross marginOperating marginNet margin
Returns on capital
Net income vs year-end equity and assets
Return on equityReturn on assets
Cash flow
cash generationFree cash flow
Operating cash flow less capital expenditure
Operating cash flow
Net cash from operations
Shareholder returns
capital allocationCapital returned
Cash paid out as dividends and share repurchases
Dividends paidBuybacks
Diluted shares outstanding
Falling count means buybacks outpace dilution
Balance sheet
financial positionStockholders’ equity
At fiscal year end
Growth rates
compounding, annualizedRevenue CAGR
+28.9%
3y
+28.4%
5y
Net income CAGR
+21.7%
3y
Diluted EPS CAGR
+32.6%
3y
Free cash flow CAGR
+32.6%
3y
Share count change (split-adjusted)
−22.3%
5y
Key ratios
derived per fiscal year| Fiscal year | Gross margin | Op. margin | Net margin | FCF margin | ROE | ROA |
|---|---|---|---|---|---|---|
| FY2025 | 73.6% | 21.3% | 19.2% | 18.9% | 18.7% | 10.0% |
| FY2024 | 70.4% | 31.9% | 26.2% | 25.7% | 22.1% | 13.0% |
| FY2023 | 67.9% | 30.4% | 24.6% | 28.7% | 20.3% | 10.2% |
| FY2022 | 62.5% | 34.1% | 22.8% | 17.4% | 17.1% | 9.2% |
| FY2021 | 45.9% | 36.2% | 22.8% | 12.3% | 20.8% | 11.2% |
| FY2020 | 5.5% | −65.2% | −59.7% | −31.2% | −42.6% | −17.5% |
| FY2019 | 47.1% | 26.3% | 25.1% | 19.0% | 17.7% | 9.4% |
| FY2018 | 66.5% | 36.0% | 24.9% | −0.9% | 25.1% | 19.0% |
| FY2017 | 57.5% | 28.1% | 19.0% | −35.6% | 19.3% | 8.8% |
| FY2016 | −12.5% | −59.4% | −51.9% | 34.4% | −31.8% | — |
| FY2015 | — | — | — | — | — | — |
Annual figures
as reported| Fiscal year | Revenue | Gross profit | Op. income | Net income | Diluted EPS | Op. cash flow | Capex | Total assets | Liabilities | Equity | Cash | LT debt |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FY2025 | CN¥7.6B | CN¥5.6B | CN¥1.6B | CN¥1.5B | CN¥5.87 | CN¥1.5B | CN¥21.9M | CN¥14.7B | CN¥6.8B | CN¥7.8B | CN¥987.6M | — |
| FY2024 | CN¥5.9B | CN¥4.1B | CN¥1.9B | CN¥1.5B | CN¥5.25 | CN¥1.5B | CN¥14.2M | CN¥11.8B | CN¥4.9B | CN¥7.0B | CN¥984.6M | — |
| FY2023 | CN¥4.8B | CN¥3.3B | CN¥1.5B | CN¥1.2B | CN¥4.08 | CN¥1.4B | CN¥8.5M | CN¥11.7B | CN¥5.8B | CN¥5.8B | CN¥1.2B | — |
| FY2022 | CN¥3.6B | CN¥2.2B | CN¥1.2B | CN¥812.0M | CN¥2.52 | CN¥626.8M | CN¥6.1M | CN¥8.8B | CN¥4.1B | CN¥4.8B | CN¥602.3M | — |
| FY2021 | CN¥3.6B | CN¥1.7B | CN¥1.3B | CN¥825.4M | CN¥2.45 | CN¥449.2M | CN¥2.6M | CN¥7.3B | CN¥3.4B | CN¥4.0B | CN¥584.8M | — |
| FY2020 | CN¥2.2B | CN¥121.5M | −CN¥1.4B | −CN¥1.3B | −CN¥4.07 | −CN¥679.2M | CN¥5.4M | CN¥7.5B | CN¥4.4B | CN¥3.1B | CN¥746.4M | — |
| FY2019 | CN¥3.1B | CN¥1.5B | CN¥812.6M | CN¥774.3M | CN¥2.42 | CN¥600.6M | CN¥15.1M | CN¥8.3B | CN¥3.9B | CN¥4.4B | CN¥1.0B | — |
| FY2018 | CN¥3.5B | CN¥2.4B | CN¥1.3B | CN¥883.1M | CN¥2.91 | CN¥5.4M | CN¥38.6M | CN¥4.6B | CN¥1.1B | CN¥3.5B | CN¥1.1B | — |
| FY2017 | CN¥1.8B | CN¥1.0B | CN¥501.7M | CN¥340.3M | CN¥1.22 | −CN¥615.3M | CN¥20.6M | CN¥3.9B | CN¥2.1B | CN¥1.8B | CN¥671.4M | — |
| FY2016 | CN¥230.3M | −CN¥28.7M | −CN¥136.8M | −CN¥119.6M | −CN¥0.50 | CN¥82.6M | CN¥3.4M | — | — | CN¥376.5M | CN¥504.2M | — |
| FY2015 | — | — | — | — | — | — | — | — | — | CN¥410.0M | CN¥363.5M | — |
Latest filings
the most recent regulatory filings4/AOWNERSHIP DOCUMENT2026-06-24 ↗6-KForeign issuer report2026-06-17 ↗144Notice of proposed insider sale2026-06-12 ↗4OWNERSHIP DOCUMENT2026-06-02 ↗6-KForeign issuer report2026-05-27 ↗3OWNERSHIP DOCUMENT2026-05-11 ↗3OWNERSHIP DOCUMENT2026-05-11 ↗3OWNERSHIP DOCUMENT2026-05-11 ↗3OWNERSHIP DOCUMENT2026-05-11 ↗SCHEDULE 13G/ASEC filing2026-05-01 ↗
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