XYF
X Financial
Price Chart
Latest Quote
$5.25
Current Price| Previous Close | $5.15 |
| Open | $5.10 |
| Day High | $5.28 |
| Day Low | $5.03 |
| Volume | 185,197 |
Stock Information
Note: Financial values converted from CNY to USD
| Quarterly Dividend / Yield | $0.53 / 10.29% |
| Shares Outstanding | 22.80M |
| Total Debt | $86.93M |
| Cash Equivalents | $128.26M |
| Revenue | $1.13B |
| Net Income | $258.14M |
| Sector | Financial Services |
| Industry | Credit Services |
| Market Cap | $214.64M |
| P/E Ratio | 0.89 |
| EPS (TTM) | $5.88 |
| Exchange | NYQ |
📊 Custom Metrics & Score
Score: 29/42| Debt to Equity | 0.05 |
| Debt to Earnings | 0.18 |
| Avg Revenue Growth | 17.31% |
| Profit Margin | 60.17% |
| Return on Equity | 22.15% |
| Avg FCF Growth | 59.49% |
| FCF Yield | 703.12% |
Score Explanation: The perfect score is 42/42 based on debt levels, profitability, growth rates, and cash flow metrics. FCF Yield is weighted most heavily as it shows what return the business currently generates.
Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-02-02 | $5.25 | 183,583 |
| 2026-01-30 | $5.15 | 310,800 |
| 2026-01-29 | $5.21 | 722,100 |
| 2026-01-28 | $5.74 | 147,000 |
| 2026-01-27 | $5.85 | 234,400 |
| 2026-01-26 | $5.59 | 424,500 |
| 2026-01-23 | $5.99 | 131,100 |
| 2026-01-22 | $6.00 | 350,400 |
| 2026-01-21 | $5.79 | 271,300 |
| 2026-01-20 | $6.00 | 250,800 |
| 2026-01-16 | $6.11 | 162,000 |
| 2026-01-15 | $6.00 | 152,200 |
| 2026-01-14 | $6.11 | 131,100 |
| 2026-01-13 | $6.06 | 242,400 |
| 2026-01-12 | $6.39 | 216,700 |
| 2026-01-09 | $6.23 | 217,600 |
| 2026-01-08 | $6.01 | 150,900 |
| 2026-01-07 | $6.03 | 144,600 |
| 2026-01-06 | $6.05 | 187,300 |
| 2026-01-05 | $6.07 | 198,500 |
About X Financial
X Financial, together with its subsidiaries, operates as an online personal finance company in the People's Republic of China. The company offers Xiaoying credit loans, which are online personal credit loan products comprising Xiaoying card loans and other unsecured loan products; and Xiaoying housing loans, a secured home equity loan product. It also provides guarantee, consulting, e-commerce, and microcredit services. In addition, the company engages in the technology development and service, as well as the sale of products. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.
📰 Latest News
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X Financial (XYF) Q3 2025 Earnings Call Highlights: Navigating Growth Amidst Regulatory Challenges
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Investor's Business Daily • 2025-09-10T07:00:00Z
With a 54% stake, X Financial (NYSE:XYF) insiders have a lot riding on the company
Simply Wall St. • 2025-09-01T17:59:09Z
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Asian Equities Traded in the US as American Depositary Receipts Edge Higher in Thursday Trading
MT Newswires • 2025-08-21T15:12:16ZIncome Statement (Annual)
Revenue
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Total Revenue | $2,559,093,547 | $1,906,387,085 | $1,490,113,878 | $1,511,932,959 |
| Operating Revenue | $2,559,093,547 | $1,906,387,085 | $1,490,113,878 | $1,511,932,959 |
Expenses
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Interest Expense | $1,582,472,287 | $1,370,942,033 | $833,109,421 | - |
| Other Non Operating Income Expenses | $13,520,019 | $24,351,280 | $40,723,863 | $32,506,084 |
| General And Administrative Expense | $175,932,509 | $153,943,169 | $143,234,358 | $187,859,411 |
| Selling And Marketing Expense | - | $12,538,815 | $15,448,209 | $20,829,534 |
Income & Earnings
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Net Income From Continuing Operation Net Minority Interest | $1,539,905,765 | $1,186,793,974 | $811,996,439 | $825,407,023 |
| Net Interest Income | $-211,027,895 | $-253,970,400 | $136,924,277 | $691,610,635 |
| Interest Income | $1,371,444,392 | $1,116,971,633 | $970,033,698 | $691,610,635 |
| Normalized Income | $1,539,905,765 | $1,186,793,974 | $811,996,439 | $825,407,023 |
| Net Income From Continuing And Discontinued Operation | $1,539,905,765 | $1,186,793,974 | $811,996,439 | $825,407,023 |
| Net Income Common Stockholders | $1,539,905,765 | $1,186,793,974 | $811,996,439 | $825,407,023 |
| Net Income | $1,539,905,765 | $1,186,793,974 | $811,996,439 | $825,407,023 |
| Net Income Including Noncontrolling Interests | $1,539,905,765 | $1,186,793,974 | $811,996,439 | $825,406,545 |
| Net Income Continuous Operations | $1,539,905,765 | $1,186,793,974 | $811,996,439 | $825,406,545 |
| Earnings From Equity Interest Net Of Tax | $51,277,383 | $-20,653,512 | $-11,825,691 | $3,341,862 |
| Pretax Income | $1,894,330,096 | $1,468,577,989 | $1,219,896,176 | $1,190,800,384 |
Per Share Metrics
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Diluted EPS | $31.50 | $24.48 | $15.12 | $14.70 |
| Basic EPS | $31.98 | $24.72 | $15.42 | $15.06 |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $7,198,776 | $5,260,605 | $6,646,312 | $8,135,552 |
| Diluted Average Shares | $48,892,445 | $48,472,202 | $53,733,898 | $56,146,847 |
| Basic Average Shares | $48,138,062 | $48,019,328 | $52,740,804 | $54,871,712 |
| Diluted NI Availto Com Stockholders | $1,539,905,765 | $1,186,793,974 | $811,996,439 | $825,407,023 |
| Minority Interests | $0 | $0 | $0 | $478 |
| Tax Provision | $405,701,714 | $261,130,503 | $396,074,046 | $368,735,701 |
| Gain On Sale Of Security | $18,016,556 | $30,846,539 | $113,849,817 | $-176,382,417 |
| Selling General And Administration | $175,932,509 | $153,943,169 | $143,234,358 | $208,688,945 |
| Other Gand A | $175,932,509 | $153,943,169 | $143,234,358 | $187,859,411 |
Balance Sheet (Annual)
Assets
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Net Tangible Assets | $6,916,562,673 | $5,810,313,903 | $4,716,704,770 | $3,840,842,577 |
| Total Assets | $11,819,289,603 | $11,650,024,640 | $8,837,663,448 | $7,342,738,892 |
| Goodwill And Other Intangible Assets | $36,591,969 | $36,810,384 | $36,549,922 | $136,052,384 |
| Other Intangible Assets | $36,591,969 | $36,810,384 | $36,549,922 | $136,052,384 |
| Prepaid Assets | $10,679,051 | $8,424,956 | $22,513,102 | $20,531,039 |
| Receivables | $2,047,469,152 | $1,684,137,791 | $1,199,428,363 | $834,237,372 |
| Other Receivables | $17,918,681 | $24,549,816 | $35,676,758 | $78,867,418 |
| Accounts Receivable | $2,029,550,471 | $1,659,587,975 | $1,163,751,605 | $755,369,954 |
| Allowance For Doubtful Accounts Receivable | $-24,172,284 | $-9,266,619 | $-21,875,166 | $-25,867,957 |
| Gross Accounts Receivable | $2,053,722,755 | $1,668,854,594 | $1,185,626,771 | $781,237,911 |
| Cash And Cash Equivalents | $2,942,908,653 | $2,897,824,126 | $2,372,588,032 | $2,085,169,244 |
| Cash Cash Equivalents And Federal Funds Sold | $3,619,702,064 | $3,646,893,952 | $2,777,277,282 | $2,492,445,586 |
Debt
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Total Debt | $341,232,875 | $577,852,494 | $81,513,493 | $178,831,166 |
| Long Term Debt And Capital Lease Obligation | $12,732,875 | $12,852,494 | $11,304,693 | $12,331,166 |
| Current Debt And Capital Lease Obligation | $328,500,000 | $565,000,000 | $70,208,800 | $166,500,000 |
| Current Debt | $328,500,000 | $565,000,000 | $70,208,800 | $166,500,000 |
| Other Current Borrowings | $328,500,000 | $565,000,000 | $70,208,800 | $166,500,000 |
Liabilities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Total Liabilities Net Minority Interest | $4,866,134,961 | $5,802,900,353 | $4,084,408,756 | $3,365,843,931 |
| Non Current Deferred Liabilities | $247,363,593 | $149,825,587 | $28,279,049 | - |
| Non Current Deferred Taxes Liabilities | $65,958,569 | $30,039,799 | $721,677 | - |
| Payables And Accrued Expenses | $3,920,401,946 | $4,879,484,838 | $3,749,199,028 | $2,519,096,629 |
| Payables | $3,776,320,846 | $4,744,794,306 | $3,666,561,390 | $2,445,781,407 |
| Other Payable | $2,646,828,871 | $3,769,417,432 | $2,945,692,276 | $2,026,004,459 |
| Dividends Payable | $0 | $59,226,084 | $0 | - |
| Total Tax Payable | $871,485,320 | $736,320,869 | $525,779,697 | $336,694,379 |
| Income Tax Payable | $871,485,320 | $736,320,869 | $525,779,697 | $336,694,379 |
| Accounts Payable | $258,006,655 | $179,829,921 | $195,089,417 | $83,082,569 |
| Derivative Product Liabilities | - | $0 | $107,890,394 | $565,953,269 |
Equity
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Common Stock Equity | $6,953,154,642 | $5,847,124,287 | $4,753,254,692 | $3,976,894,961 |
| Total Equity Gross Minority Interest | $6,953,154,642 | $5,847,124,287 | $4,753,254,692 | $3,976,894,961 |
| Stockholders Equity | $6,953,154,642 | $5,847,124,287 | $4,753,254,692 | $3,976,894,961 |
| Gains Losses Not Affecting Retained Earnings | $81,052,030 | $69,476,651 | $63,598,591 | $6,309,554 |
| Other Equity Adjustments | $81,052,030 | $69,476,651 | $63,598,591 | $6,309,554 |
| Retained Earnings | $4,174,511,191 | $2,692,018,850 | $1,622,852,316 | $810,855,877 |
| Long Term Equity Investment | $498,038,310 | $493,411,355 | $495,994,880 | $560,038,353 |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Treasury Shares Number | $78,439,504 | $35,564,336 | $41,199,374 | - |
| Ordinary Shares Number | $250,678,439 | $293,553,607 | $287,918,569 | $329,117,943 |
| Share Issued | $329,117,943 | $329,117,943 | $329,117,943 | $329,117,943 |
| Tangible Book Value | $6,916,562,673 | $5,810,313,903 | $4,716,704,770 | $3,840,842,577 |
| Invested Capital | $7,281,654,642 | $6,412,124,287 | $4,823,463,492 | $4,143,394,961 |
| Capital Lease Obligations | $12,732,875 | $12,852,494 | $11,304,693 | $12,331,166 |
| Treasury Stock | $509,643,763 | $111,520,291 | $124,596,781 | $0 |
| Additional Paid In Capital | $3,207,028,391 | $3,196,942,284 | $3,191,193,773 | $3,159,522,737 |
| Capital Stock | $206,793 | $206,793 | $206,793 | $206,793 |
| Common Stock | $206,793 | $206,793 | $206,793 | $206,793 |
| Non Current Deferred Revenue | $181,405,024 | $119,785,788 | $27,557,372 | - |
| Long Term Capital Lease Obligation | $12,732,875 | $12,852,494 | $11,304,693 | $12,331,166 |
| Current Accrued Expenses | $144,081,100 | $134,690,532 | $82,637,638 | $73,315,222 |
| Investments And Advances | $1,011,513,847 | $1,101,609,604 | $688,614,730 | $642,882,153 |
| Available For Sale Securities | $513,475,537 | $608,198,249 | $192,619,850 | $82,843,800 |
| Net PPE | $15,833,490 | $8,642,392 | $5,861,360 | $6,188,262 |
| Accumulated Depreciation | $-45,514,674 | $-42,318,765 | $-44,052,344 | $-39,734,571 |
| Gross PPE | $61,348,164 | $50,961,157 | $49,913,704 | $45,922,833 |
| Leases | $27,530,407 | $24,306,234 | $23,707,764 | $22,803,702 |
| Other Properties | $816,103 | $816,103 | $816,103 | $816,103 |
| Machinery Furniture Equipment | $33,001,654 | $25,838,820 | $25,389,837 | $22,303,028 |
| Minority Interest | - | $0 | $0 | $0 |
| Other Short Term Investments | - | - | - | $82,843,800 |
Cash Flow Statement (Annual)
Free Cash Flow
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Free Cash Flow | $1,509,163,176 | $1,382,976,040 | $620,726,619 | $446,551,143 |
Operating Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Operating Cash Flow | $1,523,386,291 | $1,391,444,390 | $626,781,729 | $449,171,181 |
| Cash Flow From Continuing Operating Activities | $1,523,386,291 | $1,391,444,390 | $626,781,729 | $449,171,181 |
| Operating Gains Losses | $-28,387,259 | $-29,384,770 | $-77,004,664 | $166,816,594 |
Investing Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Capital Expenditure | $-14,223,115 | $-8,468,350 | $-6,055,110 | $-2,620,038 |
| Investing Cash Flow | $122,034,285 | $-1,683,641,707 | $-1,217,467,865 | $-2,347,593,831 |
| Cash Flow From Continuing Investing Activities | $122,034,285 | $-1,683,641,707 | $-1,217,467,865 | $-2,347,593,831 |
Financing Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Repurchase Of Capital Stock | $-182,204,126 | $-24,872,828 | $-146,740,902 | $0 |
| Financing Cash Flow | $-1,935,176,217 | $1,227,458,379 | $576,351,240 | $1,301,311,826 |
| Cash Flow From Continuing Financing Activities | $-1,935,176,217 | $1,227,458,379 | $576,351,240 | $1,301,311,826 |
| Net Other Financing Charges | $-1,399,955,090 | $814,841,744 | $819,106,000 | $1,482,397,315 |
| Cash Dividends Paid | $-116,639,508 | $-58,401,356 | $0 | $0 |
| Net Common Stock Issuance | $-182,204,126 | $-24,872,828 | $-146,740,902 | $0 |
| Dividend Received Cfo | $7,500,000 | $19,912,647 | $0 | - |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Repayment Of Debt | $-370,000,000 | $-307,708,800 | $-166,500,000 | $-450,545,000 |
| Issuance Of Debt | $133,500,000 | $802,500,000 | $70,208,800 | $266,500,000 |
| Interest Paid Supplemental Data | $24,162,853 | $23,247,119 | $1,991,007 | $6,719,912 |
| Income Tax Paid Supplemental Data | $289,084,125 | $102,284,875 | $37,369,220 | $30,958,576 |
| End Cash Position | $1,661,646,218 | $1,944,507,575 | $1,006,959,857 | $992,038,836 |
| Beginning Cash Position | $1,944,507,575 | $1,006,959,857 | $992,038,836 | $1,598,522,894 |
| Effect Of Exchange Rate Changes | $6,894,284 | $2,286,656 | $29,255,917 | $-9,373,234 |
| Changes In Cash | $-289,755,641 | $935,261,062 | $-14,334,896 | $-597,110,824 |
| Proceeds From Stock Option Exercised | $122,507 | $1,099,619 | $277,342 | $2,959,511 |
| Common Stock Payments | $-182,204,126 | $-24,872,828 | $-146,740,902 | $0 |
| Net Issuance Payments Of Debt | $-236,500,000 | $494,791,200 | $-96,291,200 | $-184,045,000 |
| Net Short Term Debt Issuance | $-236,500,000 | $494,791,200 | $-96,291,200 | $-184,045,000 |
| Short Term Debt Payments | $-370,000,000 | $-307,708,800 | $-166,500,000 | $-450,545,000 |
| Short Term Debt Issuance | $133,500,000 | $802,500,000 | $70,208,800 | $266,500,000 |
| Net Investment Purchase And Sale | $242,448,415 | $-424,149,412 | $-83,687,453 | $-351,843,800 |
| Sale Of Investment | $391,081,258 | $0 | $6,852,347 | $76,000,000 |
| Purchase Of Investment | $-148,632,843 | $-424,149,412 | $-90,539,800 | $-427,843,800 |
| Net Intangibles Purchase And Sale | $0 | $0 | $100,000,000 | $160,000,000 |
| Sale Of Intangibles | $0 | $0 | $100,000,000 | $160,000,000 |
| Net PPE Purchase And Sale | $-14,115,166 | $-8,450,297 | $-6,049,670 | $-2,383,255 |
| Sale Of PPE | $107,949 | $18,053 | $5,440 | $236,783 |
| Purchase Of PPE | $-14,223,115 | $-8,468,350 | $-6,055,110 | $-2,620,038 |
| Change In Working Capital | $-428,435,902 | $-125,125,543 | $-544,469,223 | $-1,123,941,919 |
| Change In Other Working Capital | $-266,730,941 | $-14,405,565 | $-496,462,393 | $-33,368,496 |
| Change In Other Current Liabilities | $-116,003,939 | $-5,613,471 | $14,000,000 | $-9,789,626 |
| Change In Other Current Assets | $-1,075,299 | $-121,124 | $1,562,738 | $162,653 |
| Change In Payables And Accrued Expense | $256,931,117 | $326,065,772 | $273,276,134 | $163,829,659 |
| Change In Accrued Expense | $122,891,666 | $115,524,600 | $84,190,816 | $-23,870,572 |
| Change In Payable | $134,039,451 | $210,541,172 | $189,085,318 | $187,700,231 |
| Change In Tax Payable | $134,039,451 | $210,541,172 | $189,085,318 | $187,700,231 |
| Change In Income Tax Payable | $134,039,451 | $210,541,172 | $189,085,318 | $187,700,231 |
| Change In Prepaid Assets | $14,315,022 | $7,921,314 | $121,759,157 | $21,232,196 |
| Change In Receivables | $-405,694,629 | $-509,909,978 | $-436,267,247 | $-411,420,820 |
| Changes In Account Receivables | $-405,694,629 | $-509,909,978 | $-436,267,247 | $-411,420,820 |
| Other Non Cash Items | $-89,830,477 | $651,227 | $6,826,634 | $7,148,895 |
| Stock Based Compensation | $40,177,807 | $42,598,210 | $53,537,815 | $88,434,772 |
| Deferred Tax | $-27,248,759 | $-17,565,186 | $202,305,809 | $333,420,104 |
| Deferred Income Tax | $-27,248,759 | $-17,565,186 | $202,305,809 | $333,420,104 |
| Depreciation Amortization Depletion | $7,198,776 | $5,260,605 | $6,646,312 | $8,135,552 |
| Depreciation And Amortization | $7,198,776 | $5,260,605 | $6,646,312 | $8,135,552 |
| Amortization Cash Flow | $2,332,653 | $2,234,031 | $2,253,257 | $1,920,299 |
| Amortization Of Intangibles | $2,332,653 | $2,234,031 | $2,253,257 | $1,920,299 |
| Depreciation | $4,866,123 | $3,026,574 | $4,393,055 | $6,215,253 |
| Earnings Losses From Equity Investments | $-10,159,031 | $1,930,792 | $42,251,538 | $-3,341,862 |
| Gain Loss On Investment Securities | $-17,133,677 | $-6,497,518 | $9,525,822 | $0 |
| Gain Loss On Sale Of PPE | $-56,293 | $148,198 | $-2,678 | $-180,537 |
| Net Income From Continuing Operations | $1,539,905,765 | $1,186,793,974 | $811,996,439 | $825,406,545 |
| Purchase Of Intangibles | - | - | - | $0 |