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MARKETS / NYSE / XYF
NYSE · FINANCE SERVICES · MID CAP

X Financial XYF

10 fiscal years on record · CNY · FY2025 reported
SEC FILINGS ONLY
Revenue · FY2025
¥7.6B
▲ 30.1% vs FY2024
Dividend streak
1 yrs
Raised every year since 2025
EPS · FY25
¥5.87
Dividend / sh · FY25
¥0.09
Payout · FY25
11%
ROE · FY25
19.8%
Net margin · FY25
19.2%
Dividend coverage
66.2×
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Result
CNY 7.6B
Revenue, FY2025 · full 10-year series below
Revenue Net income
24687.61.52016201920222025
24687.61.52016201920222025

19 cents of every revenue dollar became profit this year.

Per share
CNY 5.87
Diluted EPS, FY2025
EPS Dividend
2460.095.872016201920222025
2460.095.872016201920222025

Earnings covered the dividend 66.2 times — the rest stayed in the company.

Profitability
19.8%
Return on equity, FY2025
ROE
1020304019.8%2016201920222025
1020304019.8%2016201920222025
Operating margin21.3%
Net margin19.2%
Return on assets11.1%

Each CNY of equity produced 20 cents of profit this year.

Returned to shareholders
CNY 869.7M
returned in FY2025 · dividends + net buybacks
Dividends paidCNY 154.8M
Net buybacksCNY 714.9M
Share of profit59.4%
Consecutive raises1 years

CNY 154.8M in dividends and CNY 714.9M in buybacks — 59% of the year's profit went back to shareholders.

Growth
+28.4% a year
revenue, compounded over five years
CAGR
3 yrs
5 yrs
10 yrs
15 yrs
Revenue
+28.9%
+28.4%
Net income
+21.7%
EPS, diluted
+32.6%
Returned to shareholders
+81.1%

Compound annual rates per period — left blank where the series crosses a loss.

Share base
0.23B
Shares outstanding, FY2025
0.280.232016201920222025
0.280.232016201920222025
Change, 5 years−27.4%
Change, 10 years—

The share count shrank 27% in five years — the same company, cut into fewer, larger slices.

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Balance sheet
CNY 14.7B
total assets, end of FY2025
Total assetsCNY 14.7B
EquityCNY 7.8B
CashCNY 987.6M
Gross debtCNY 409.5M
Net debtCNY -578.1M
DepositsCNY 12.0M

The company holds more cash than debt.

History
10 fiscal years
Every figure from documents filed with the SEC · CNY
Metric
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
Revenue ¥B
7.6
5.9
4.8
3.6
3.6
2.2
3.1
3.5
1.8
0.2
Operating income ¥B
1.6
1.9
1.5
1.2
1.3
−1.4
0.8
1.3
0.5
−0.1
EBITDA ¥B
1.6
1.9
1.5
1.2
1.3
−1.4
0.8
1.3
0.5
−0.1
Income tax ¥B
0.3
0.4
0.3
0.4
0.4
−0.3
−0.1
−0.2
0.1
−0.0
Net income ¥B
1.5
1.5
1.2
0.8
0.8
−1.3
0.8
0.9
0.3
−0.1
EPS, diluted ¥
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 figures not disclosed in the filing for that year.

How we verifyAUDITED
19 of 19
checks passed before publication
EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidity

Every figure was compared against the original statement: 0 failures and 0 presentation gaps.

What we don’t show

We’d rather say what’s missing than fill the gap with an estimate.

P/E rationeeds a market quote — not yet licensed
Market capitalizationneeds a market quote — not yet licensed
Dividend yieldneeds a market quote — not yet licensed
Price-to-bookneeds a market quote — not yet licensed