stock
X Financial Class A
NYSE | XYF
12.67
USD
+$0.00
(+0.00%
)At Close (As of Oct 23, 2025)
$509.00M
Market Cap
2.31
P/E Ratio
5.39
EPS
$19.95
52 Week High
$5.83
52 Week Low
FINANCIAL SERVICES
Sector
XYF Chart
Recent Chart
Price Action
XYF Technicals
XYF Earnings
Yearly Income Statement (As of Dec 31, 2024)
| Field | Value (CNY) |
|---|---|
| Gross Profit | $3.9B |
| Total Revenue | $5.9B |
| Cost Of Revenue | $2B |
| Costof Goods And Services Sold | $2B |
| Operating Income | $1.9B |
| Selling General And Administrative | $176M |
| Research And Development | - |
| Operating Expenses | $2B |
| Investment Income Net | - |
| Net Interest Income | -$211M |
| Interest Income | $1.4B |
| Interest Expense | $1.6B |
| Non Interest Income | - |
| Other Non Operating Income | - |
| Depreciation | - |
| Depreciation And Amortization | $7.2M |
| Income Before Tax | $1.9B |
| Income Tax Expense | $406M |
| Interest And Debt Expense | - |
| Net Income From Continuing Operations | $1.5B |
| Comprehensive Income Net Of Tax | - |
| Ebit | $3.7B |
| Ebitda | $3.7B |
| Net Income | $1.5B |
Revenue & Profitability
Earnings Performance
XYF Financials
yearly Balance Sheet (As of Dec 31, 2024)
| Field | Value (CNY) |
|---|---|
| Total Assets | $12B |
| Total Current Assets | $5B |
| Cash And Cash Equivalents At Carrying Value | $2.9B |
| Cash And Short Term Investments | $2.9B |
| Inventory | - |
| Current Net Receivables | $2B |
| Total Non Current Assets | $1.3B |
| Property Plant Equipment | - |
| Accumulated Depreciation Amortization Ppe | - |
| Intangible Assets | $37M |
| Intangible Assets Excluding Goodwill | $37M |
| Goodwill | - |
| Investments | - |
| Long Term Investments | $1B |
| Short Term Investments | - |
| Other Current Assets | $11M |
| Other Non Current Assets | - |
| Total Liabilities | $4.9B |
| Total Current Liabilities | $743M |
| Current Accounts Payable | $258M |
| Deferred Revenue | - |
| Current Debt | - |
| Short Term Debt | $329M |
| Total Non Current Liabilities | $4.1B |
| Capital Lease Obligations | $13M |
| Long Term Debt | - |
| Current Long Term Debt | $329M |
| Long Term Debt Noncurrent | - |
| Short Long Term Debt Total | $341M |
| Other Current Liabilities | -$715M |
| Other Non Current Liabilities | - |
| Total Shareholder Equity | $7B |
| Treasury Stock | - |
| Retained Earnings | $4.2B |
| Common Stock | $207K |
| Common Stock Shares Outstanding | $49M |
yearly Cash Flow (As of Dec 31, 2024)
| Field | Value (CNY) |
|---|---|
| Operating Cashflow | $1.5B |
| Payments For Operating Activities | - |
| Proceeds From Operating Activities | - |
| Change In Operating Liabilities | - |
| Change In Operating Assets | - |
| Depreciation Depletion And Amortization | $7.2M |
| Capital Expenditures | $14M |
| Change In Receivables | - |
| Change In Inventory | - |
| Profit Loss | - |
| Cashflow From Investment | $122M |
| Cashflow From Financing | -$1.9B |
| Proceeds From Repayments Of Short Term Debt | - |
| Payments For Repurchase Of Common Stock | - |
| Payments For Repurchase Of Equity | - |
| Payments For Repurchase Of Preferred Stock | - |
| Dividend Payout | $117M |
| Dividend Payout Common Stock | $117M |
| Dividend Payout Preferred Stock | - |
| Proceeds From Issuance Of Common Stock | - |
| Proceeds From Issuance Of Long Term Debt And Capital Securities Net | - |
| Proceeds From Issuance Of Preferred Stock | - |
| Proceeds From Repurchase Of Equity | -$182M |
| Proceeds From Sale Of Treasury Stock | - |
| Change In Cash And Cash Equivalents | - |
| Change In Exchange Rate | - |
| Net Income | $1.5B |
yearly Income Statement (As of Dec 31, 2024)
| Field | Value (CNY) |
|---|---|
| Gross Profit | $3.9B |
| Total Revenue | $5.9B |
| Cost Of Revenue | $2B |
| Costof Goods And Services Sold | $2B |
| Operating Income | $1.9B |
| Selling General And Administrative | $176M |
| Research And Development | - |
| Operating Expenses | $2B |
| Investment Income Net | - |
| Net Interest Income | -$211M |
| Interest Income | $1.4B |
| Interest Expense | $1.6B |
| Non Interest Income | - |
| Other Non Operating Income | - |
| Depreciation | - |
| Depreciation And Amortization | $7.2M |
| Income Before Tax | $1.9B |
| Income Tax Expense | $406M |
| Interest And Debt Expense | - |
| Net Income From Continuing Operations | $1.5B |
| Comprehensive Income Net Of Tax | - |
| Ebit | $3.7B |
| Ebitda | $3.7B |
| Net Income | $1.5B |
Dividends
| Field | Value |
|---|---|
| Ex Dividend Date | 2025-09-26 |
| Declaration Date | 2025-08-18 |
| Record Date | 2025-09-26 |
| Payment Date | 2025-10-15 |
| Amount | 0.28 |
XYF News
XYF Profile
X Financial Class A Profile
Sector: FINANCIAL SERVICES
Industry: CREDIT SERVICES
X Financial Class A is a leading provider in the personal finance services sector in China, known for its innovative technology-driven solutions that cater to consumers' financial needs. Headquartered in Shenzhen, the company operates a comprehensive platform that offers a wide range of services, such as consumer loan facilitation and wealth management, effectively addressing the growing demand for personalized financial products. With a strong emphasis on technology and a deep understanding of customer preferences, X Financial is well-positioned for sustained growth and market expansion in one of the world's largest and most dynamic economies.
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