X Financial XYF
Slide the table for earlier years · "·" marks a figure not available in our data for that year.
What this company does
Written from the business description in X Financial's annual report to the U.S. Securities and Exchange Commission, filed 30 April 2026. Every sentence was checked against that document before publication.
Growth
Revenue compounded at +28.4% a year over the five years to FY2025.
Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.
Profitability
Each CNY of equity produced 20 cents of profit this year.
The 10-year record
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue CNY B | 7.6 | 5.9 | 4.8 | 3.6 | 3.6 | 2.2 | 3.1 | 3.5 | 1.8 | 0.2 |
| Operating income CNY B | 1.6 | 1.9 | 1.5 | 1.2 | 1.3 | −1.4 | 0.8 | 1.3 | 0.5 | −0.1 |
| EBITDA CNY B | 1.6 | 1.9 | 1.5 | 1.2 | 1.3 | −1.4 | 0.8 | 1.3 | 0.5 | −0.1 |
| Income tax CNY B | 0.3 | 0.4 | 0.3 | 0.4 | 0.4 | −0.3 | −0.1 | −0.2 | 0.1 | −0.0 |
| Net income CNY B | 1.5 | 1.5 | 1.2 | 0.8 | 0.8 | −1.3 | 0.8 | 0.9 | 0.3 | −0.1 |
| Free cash flow CNY B | 1.4 | 1.5 | 1.4 | 0.6 | 0.4 | −0.7 | 0.6 | −0.0 | −0.6 | 0.1 |
| EPS, diluted CNY | 5.87 | 5.25 | 4.08 | 2.52 | 2.45 | −4.07 | 2.42 | 2.91 | 1.22 | −0.50 |
| Dividend / sh $ | 0.09 | 0.03 | 0.06 | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ | ◌ |
| Payout % | 11 | 8 | 5 | 0 | 0 | — | 13 | — | — | — |
| ROE % | 19.8 | 24.1 | 22.4 | 18.6 | 23.4 | −35.2 | 19.6 | 33.5 | 31.8 | −31.8 |
| Shares out B | 0.23 | 0.25 | 0.29 | 0.29 | 0.33 | 0.32 | 0.32 | 0.30 | 0.28 | ◌ |
Slide the table for earlier years. "—" not applicable · "◌" not available in our data.
This company against its peers
Company facts, as filed
Reconciled in 6 of the 10 fiscal years we could check. 10 checks were skipped: the balance sheet is not tagged before 2017. Nine checks were skipped: EPS is not tagged before 2016. Nine checks were skipped: revenue is not tagged before 2016.