NYSE · FINANCE SERVICES · MID CAP
X Financial XYF
10 fiscal years on record · CNY · FY2025 reported · SEC filings only
In brief
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
CNY 7.6B
Revenue, FY2025 · full 10-year series below
Revenue CNY B
Net income CNY B
FY2025 · Revenue 7.6 · Net income 1.5
Compound annual growth
+28.9%
+28.4%
+21.7%
+32.6%
+81.1%
3 yrs
5 yrs
10 yrs
15 yrs
Revenue compounded at +28.4% a year over five years.
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
19 cents
of every revenue dollar became profit
Operating margin
Net margin
FY2025 · Operating 21.3% · Net 19.2%
ROE
FY2025 · ROE 19.8%
Each CNY of equity produced 20 cents of profit this year.
The 10-year record
10 fiscal years
Every figure from documents filed with the SEC · CNY
row low → row highnegative
| 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 | 19.3 | · |
| 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 · "·" marks a figure not available in our data for that year.
Compare
This company against its peers
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Provenance
Company facts, as filed
How we verify · 4 failures in 29 reconciliationsAUDITED
Reconciled in 6 of 19 fiscal years. 37 checks could not be computed.
EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente4 failures
ActivityFinance Services
Listed onNYSE
Incorporated inoutside the United States — SEC code E9
Fiscal year endsDecember 31
Data on record since2016