CANG vs XYF
Cango Inc. and X Financial, side by side — 10 fiscal years reported in CNY, drawn from SEC filings.
At a glance
Most recent reported year
| Metric | CANG | XYF |
|---|---|---|
| Revenue | ¥688.1M | ¥7.6B |
| Net income | ¥-622.0M | ¥1.5B |
| Gross margin | 4.1% | 73.6% |
| Net margin | −90.4% | 19.2% |
| Return on equity | −130.8% | 19.8% |
| Diluted EPS | ¥1.35 | ¥5.87 |
| Dividend / share | — | ¥0.09 |
| Payout ratio | −168.4% | 10.6% |
| Free cash flow | ¥-119.2M | ¥1.4B |
| Equity | ¥397.0M | ¥7.8B |
| Net debt / equity | 1.30× | −0.07× |
| Current ratio | 0.71× | — |
| Revenue CAGR 5y | −19.6% | 28.4% |
| Profit CAGR 5y | — | — |
XYF bills 11.1× the revenue of CANG, and CANG closed the last reported year at a loss.
The stronger figure of the pair is set in bold. That is arithmetic, not a recommendation — this page does not pick a winner.
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Revenue by year
10 years side by side
| Fiscal year | CANG | XYF |
|---|---|---|
| FY2025 | ¥688.1M | ¥7.6B |
| FY2024 | ¥89.9M | ¥5.9B |
| FY2023 | ¥1.7B | ¥4.8B |
| FY2022 | ¥2.0B | ¥3.6B |
| FY2021 | ¥3.9B | ¥3.6B |
| FY2020 | ¥2.1B | ¥2.2B |
| FY2019 | ¥1.4B | ¥3.1B |
| FY2018 | ¥1.1B | ¥3.5B |
| FY2017 | ¥1.1B | ¥1.8B |
| FY2016 | ¥434.3M | ¥230.3M |
Net income by year
Bottom line
| Fiscal year | CANG | XYF |
|---|---|---|
| FY2025 | ¥-622.0M | ¥1.5B |
| FY2024 | ¥41.7M | ¥1.5B |
| FY2023 | ¥-5.5M | ¥1.2B |
| FY2022 | ¥-1.1B | ¥812.0M |
| FY2021 | ¥-8.5M | ¥825.4M |
| FY2020 | ¥3.4B | ¥-1.3B |
| FY2019 | ¥390.9M | ¥774.3M |
| FY2018 | ¥302.7M | ¥883.1M |
| FY2017 | ¥341.0M | ¥340.3M |
| FY2016 | ¥128.9M | ¥-119.6M |
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