For fiscal 2025 (ended Dec 31, 2025), X Financial reported CN¥7.64B of revenue and CN¥1.46B of net income. Figures are in CNY, the currency of its SEC filings.
XYF revenue was CN¥7.64B for fiscal 2025 (ended Dec 31, 2025), up 30.1% from fiscal 2024. Compound annual growth was +28.4% over 5 years. It rose in 6 of the last 9 fiscal years. Fiscal 2025 is the highest of the 10 fiscal years on file.
XYF net income was CN¥1.46B for fiscal 2025 (ended Dec 31, 2025), down 4.9% from fiscal 2024. It rose in 2 of the last 4 fiscal years.
XYF diluted EPS was CN¥5.87 for fiscal 2025 (ended Dec 31, 2025), up 11.8% from fiscal 2024.
XYF free cash flow was CN¥1.45B for fiscal 2025 (ended Dec 31, 2025), down 4.2% from fiscal 2024. It rose in 3 of the last 4 fiscal years.
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 | Dec 31, 2018 | Dec 31, 2017 | Dec 31, 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | CN¥7.64B | CN¥5.87B | CN¥4.81B | CN¥3.56B | CN¥3.63B | CN¥2.19B | CN¥3.09B | CN¥3.54B | CN¥1.79B | CN¥230.31M |
| Cost of revenue | CN¥2.02B | CN¥1.74B | CN¥1.54B | CN¥1.34B | CN¥1.96B | CN¥2.07B | CN¥1.63B | CN¥1.19B | CN¥760.14M | CN¥259.05M |
| Gross profit | CN¥5.62B | CN¥4.13B | CN¥3.27B | CN¥2.23B | CN¥1.66B | CN¥121.45M | CN¥1.45B | CN¥2.35B | CN¥1.03B | -CN¥28.75M |
| Selling, general and admin | CN¥199.56M | CN¥175.93M | CN¥153.94M | CN¥143.23M | CN¥187.86M | CN¥179.23M | CN¥227.48M | CN¥220.02M | CN¥98.24M | CN¥61.71M |
| Operating income | CN¥1.63B | CN¥1.87B | CN¥1.46B | CN¥1.21B | CN¥1.31B | -CN¥1.43B | CN¥812.58M | CN¥1.28B | CN¥501.69M | -CN¥136.77M |
| Pre-tax income | CN¥1.75B | CN¥1.89B | CN¥1.47B | CN¥1.22B | CN¥1.19B | -CN¥1.60B | CN¥663.92M | CN¥1.08B | CN¥478.58M | -CN¥147.20M |
| Income tax | CN¥291.65M | CN¥405.70M | CN¥261.13M | CN¥396.07M | CN¥368.74M | -CN¥299.88M | -CN¥93.10M | -CN¥209.92M | CN¥138.25M | -CN¥27.02M |
| Net income | CN¥1.46B | CN¥1.54B | CN¥1.19B | CN¥812.00M | CN¥825.41M | -CN¥1.31B | CN¥774.28M | CN¥883.11M | CN¥340.28M | -CN¥119.57M |
| EPS, basic | CN¥6.00 | CN¥5.33 | CN¥4.12 | CN¥2.57 | CN¥2.51 | -CN¥4.07 | CN¥2.47 | CN¥3.08 | CN¥1.30 | -CN¥0.50 |
| EPS, diluted | CN¥5.87 | CN¥5.25 | CN¥4.08 | CN¥2.52 | CN¥2.45 | -CN¥4.07 | CN¥2.42 | CN¥2.91 | CN¥1.22 | -CN¥0.50 |
| Diluted shares | 249.5M | 293.4M | 290.8M | 322.4M | 336.9M | 321.2M | 319.7M | 304.0M | 279.7M | 238.1M |
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 | Dec 31, 2018 | Dec 31, 2017 | Dec 31, 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | CN¥987.63M | CN¥984.61M | CN¥1.20B | CN¥1.01B | CN¥992.04M | CN¥1.60B | CN¥1.52B | CN¥1.28B | CN¥683.98M | CN¥504.70M |
| Short-term investments | - | - | - | - | - | CN¥6.00M | - | - | - | - |
| Total assets | CN¥14.67B | CN¥11.82B | CN¥11.65B | CN¥8.84B | CN¥7.34B | CN¥7.50B | CN¥8.28B | CN¥4.64B | CN¥3.89B | - |
| Short-term debt | CN¥409.53M | CN¥328.50M | CN¥565.00M | CN¥50.21M | CN¥166.50M | CN¥350.55M | - | - | - | - |
| Total liabilities | CN¥6.83B | CN¥4.87B | CN¥5.80B | CN¥4.08B | CN¥3.37B | CN¥4.42B | CN¥3.91B | CN¥1.12B | CN¥2.12B | - |
| Shareholders' equity | CN¥7.84B | CN¥6.95B | CN¥5.85B | CN¥4.75B | CN¥3.98B | CN¥3.08B | CN¥4.37B | CN¥3.52B | CN¥1.77B | CN¥376.50M |
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 | Dec 31, 2018 | Dec 31, 2017 | Dec 31, 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | CN¥1.47B | CN¥1.52B | CN¥1.39B | CN¥626.78M | CN¥449.17M | -CN¥679.23M | CN¥600.57M | CN¥5.35M | -CN¥615.33M | CN¥82.57M |
| Capital expenditures | CN¥21.88M | CN¥14.22M | CN¥8.47M | CN¥6.06M | CN¥2.62M | CN¥5.37M | CN¥15.14M | CN¥38.63M | CN¥20.65M | CN¥3.42M |
| Free cash flow | CN¥1.45B | CN¥1.51B | CN¥1.38B | CN¥620.73M | CN¥446.55M | -CN¥684.60M | CN¥585.42M | -CN¥33.28M | -CN¥635.97M | CN¥79.14M |
| Investing cash flow | -CN¥1.07B | CN¥122.03M | -CN¥1.68B | -CN¥1.22B | -CN¥2.35B | -CN¥3.70B | -CN¥3.08B | CN¥412.87M | -CN¥10.81M | -CN¥734.72M |
| Financing cash flow | CN¥79.24M | -CN¥1.94B | CN¥1.23B | CN¥576.35M | CN¥1.30B | CN¥4.49B | CN¥2.71B | CN¥181.79M | CN¥830.15M | CN¥775.16M |
| Dividends paid | CN¥154.77M | CN¥116.64M | CN¥58.40M | CN¥0 | CN¥0 | - | CN¥103.20M | - | - | - |
| Share repurchases | CN¥733.98M | CN¥182.20M | CN¥24.87M | CN¥146.74M | CN¥0 | - | - | - | - | - |
| Stock-based compensation | CN¥60.97M | CN¥40.18M | CN¥42.60M | CN¥53.54M | CN¥88.43M | CN¥80.14M | CN¥157.12M | CN¥171.84M | CN¥74.01M | CN¥37.89M |
| Depreciation and amortization | CN¥11.16M | CN¥7.20M | CN¥5.26M | CN¥6.65M | CN¥8.14M | CN¥11.92M | CN¥11.38M | CN¥9.64M | CN¥5.37M | CN¥3.06M |
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 | Dec 31, 2018 | Dec 31, 2017 | Dec 31, 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue growth, YoY | 30.1% | 22.0% | 35.1% | -1.8% | 65.4% | -29.0% | -12.8% | 98.1% | 675.9% | - |
| Net income growth, YoY | -4.9% | 29.8% | 46.2% | -1.6% | - | - | -12.3% | 159.5% | - | - |
| EPS growth, YoY | 11.8% | 28.7% | 61.9% | 2.9% | - | - | -16.8% | 138.5% | - | - |
| Gross margin | 73.6% | 70.4% | 67.9% | 62.5% | 45.9% | 5.5% | 47.1% | 66.5% | 57.5% | -12.5% |
| Operating margin | 21.3% | 31.9% | 30.4% | 34.1% | 36.2% | -65.2% | 26.3% | 36.0% | 28.1% | -59.4% |
| Net margin | 19.2% | 26.2% | 24.6% | 22.8% | 22.8% | -59.7% | 25.1% | 24.9% | 19.0% | -51.9% |
| Free cash flow margin | 18.9% | 25.7% | 28.7% | 17.4% | 12.3% | -31.2% | 19.0% | -0.9% | -35.6% | 34.4% |
| Return on equity | 18.7% | 22.1% | 20.3% | 17.1% | 20.8% | -42.5% | 17.7% | 25.1% | 19.3% | -31.8% |
| Return on assets | 10.0% | 13.0% | 10.2% | 9.2% | 11.2% | -17.5% | 9.4% | 19.0% | 8.8% | - |
Source: XBRL data X Financial files with the SEC, latest filing dated Apr 30, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.
Per-share figures are as filed. The filings show no stock split in these periods.
EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.
Foreign private issuers file annual reports with the SEC, so there are no quarterly statements here.
| Company | Revenue | Growth | Net income | Net margin | Market cap |
|---|---|---|---|---|---|
| XYF | CN¥7.64B | +30.1% | CN¥1.46B | 19.2% | $304.6M |
| AXP | $77.59B | +10.2% | $12.26B | 15.8% | $217.47B |
| SPGI | $17.21B | +18.2% | $4.99B | 29.0% | $136.57B |
| MCO | $8.18B | +9.0% | $2.88B | 35.3% | $88.11B |
| NU | $15.77B | +37.0% | $2.87B | 18.2% | $60.02B |
| RKT | $11.46B | +90.4% | $1.30B | 11.4% | $43.11B |
| COIN | $5.63B | -26.6% | -$701.62M | -12.5% | $36.03B |
| AFRM | $4.59B | +32.7% | $2.01B | 43.9% | $23.06B |
| SYF | $19.31B | +2.6% | $3.33B | 17.3% | $22.80B |