FINV vs XYF
FinVolution Group and X Financial, side by side — 10 fiscal years reported in CNY, drawn from SEC filings.
At a glance
Most recent reported year
| Metric | FINV | XYF |
|---|---|---|
| Revenue | ¥13.6B | ¥7.6B |
| Net income | ¥2.5B | ¥1.5B |
| Gross margin | — | 73.6% |
| Net margin | 18.7% | 19.2% |
| Return on equity | 16.0% | 19.8% |
| Diluted EPS | — | ¥5.87 |
| Dividend / share | — | ¥0.09 |
| Payout ratio | 20.1% | 10.6% |
| Free cash flow | ¥1.8B | ¥1.4B |
| Equity | ¥16.6B | ¥7.8B |
| Net debt / equity | −0.24× | −0.07× |
| Current ratio | — | — |
| Revenue CAGR 5y | 12.4% | 28.4% |
| Profit CAGR 5y | 5.2% | — |
FINV bills 1.8× the revenue of XYF, and XYF keeps more of each dollar of revenue as profit (19.2% against 18.7%).
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 | FINV | XYF |
|---|---|---|
| FY2025 | ¥13.6B | ¥7.6B |
| FY2024 | ¥13.1B | ¥5.9B |
| FY2023 | ¥12.5B | ¥4.8B |
| FY2022 | ¥11.1B | ¥3.6B |
| FY2021 | ¥9.5B | ¥3.6B |
| FY2020 | ¥7.6B | ¥2.2B |
| FY2019 | ¥6.0B | ¥3.1B |
| FY2018 | ¥4.2B | ¥3.5B |
| FY2017 | ¥3.9B | ¥1.8B |
| FY2016 | ¥1.2B | ¥230.3M |
Net income by year
Bottom line
| Fiscal year | FINV | XYF |
|---|---|---|
| FY2025 | ¥2.5B | ¥1.5B |
| FY2024 | ¥2.4B | ¥1.5B |
| FY2023 | ¥2.3B | ¥1.2B |
| FY2022 | ¥2.3B | ¥812.0M |
| FY2021 | ¥2.5B | ¥825.4M |
| FY2020 | ¥2.0B | ¥-1.3B |
| FY2019 | ¥2.4B | ¥774.3M |
| FY2018 | ¥2.5B | ¥883.1M |
| FY2017 | ¥1.1B | ¥340.3M |
| FY2016 | ¥501.5M | ¥-119.6M |
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