XYF
X Financial
Price Chart
No historical data available
Latest Quote
$5.70
+0.16 (+2.89%)
Current Price
| Previous Close | $5.54 |
| Open | $5.54 |
| Day High | $5.66 |
| Day Low | $5.35 |
| Volume | 99,678 |
Stock Information
Note: Financial values converted from CNY to USD
| Quarterly Dividend / Yield | $0.56 / 10.11% |
| Shares Outstanding | 22.25M |
| Quarterly Dividend Yield | 10.11% |
| Quarterly Dividend | $0.56 |
| Total Debt | $63.35M |
| Cash Equivalents | $168.66M |
| Revenue | $834.34M |
| Net Income | $83.95M |
| Sector | Financial Services |
| Industry | Credit Services |
| Market Cap | $214.54M |
| P/E Ratio | 2.53 |
| EPS (TTM) | $2.20 |
| Exchange | NYQ |
Recent Price History
No history data available. Data will be fetched automatically.
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.
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Reconciled Cost Of Revenue | $303,491,139 | $262,065,232 | $234,333,456 | $199,019,300 |
| Cost Of Revenue | $303,491,139 | $262,065,232 | $234,333,456 | $199,019,300 |
| Total Revenue | $1,136,852,925 | $873,803,035 | $716,521,911 | $530,216,680 |
| Operating Revenue | $1,034,406,756 | $808,893,621 | $669,571,899 | $503,448,252 |
| Expenses | ||||
| Total Expenses | $896,579,171 | $598,520,349 | $507,137,467 | $369,156,263 |
| Other Income Expense | $15,757,483 | $3,297,514 | $7,628,322 | $19,918,171 |
| Other Non Operating Income Expenses | $19,680,689 | $2,011,967 | $3,623,810 | $6,060,279 |
| Net Non Operating Interest Income Expense | $4,391,805 | $3,322,544 | $1,532,126 | $558,980 |
| Operating Expense | $593,088,032 | $336,455,117 | $272,804,011 | $170,136,963 |
| Other Operating Expenses | $149,003,372 | $35,974,006 | $10,047,915 | $-2,083,395 |
| Selling And Marketing Expense | $327,744,098 | $235,493,952 | $204,015,299 | $123,978,304 |
| General And Administrative Expense | $29,697,192 | $26,181,212 | $22,908,891 | $21,315,271 |
| Interest Expense | - | $235,493,952 | $204,015,299 | $123,978,304 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $217,945,801 | $229,159,460 | $176,611,499 | $120,836,397 |
| Net Interest Income | $4,391,805 | $3,322,544 | $1,532,126 | $558,980 |
| Interest Income | $4,391,805 | $3,322,544 | $1,532,126 | $558,980 |
| Normalized Income | $221,213,832 | $228,149,234 | $173,319,037 | $111,477,865 |
| Net Income From Continuing And Discontinued Operation | $217,945,801 | $229,159,460 | $176,611,499 | $120,836,397 |
| Total Operating Income As Reported | $242,578,342 | $278,843,028 | $217,583,414 | $180,627,337 |
| Net Income Common Stockholders | $217,945,801 | $229,159,460 | $176,611,499 | $120,836,397 |
| Net Income | $217,945,801 | $229,159,460 | $176,611,499 | $120,836,397 |
| Net Income Including Noncontrolling Interests | $217,945,801 | $229,159,460 | $176,611,499 | $120,836,397 |
| Net Income Continuous Operations | $217,945,801 | $229,159,460 | $176,611,499 | $120,836,397 |
| Earnings From Equity Interest Net Of Tax | $924,247 | $7,630,790 | $-3,073,531 | $-1,759,828 |
| Pretax Income | $260,423,043 | $281,902,744 | $218,544,891 | $181,537,569 |
| Interest Income Non Operating | $4,391,805 | $3,322,544 | $1,532,126 | $558,980 |
| Operating Income | $240,273,755 | $275,282,687 | $209,384,444 | $161,060,417 |
| Gross Profit | $833,361,786 | $611,737,803 | $482,188,455 | $331,197,380 |
| Special Income Charges | - | $0 | $-6,960,242 | $-1,320,687 |
| Per Share | ||||
| Diluted EPS | $5.24 | $4.69 | $3.64 | $2.25 |
| Basic EPS | $5.36 | $4.76 | $3.68 | $2.29 |
| Other | ||||
| Tax Effect Of Unusual Items | $-655,175 | $275,321 | $712,049 | $4,499,360 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Normalized EBITDA (Bullshit earnings) | $245,857,884 | $275,068,418 | $206,162,783 | $148,191,589 |
| Total Unusual Items | $-3,923,206 | $1,285,546 | $4,004,512 | $13,857,893 |
| Total Unusual Items Excluding Goodwill | $-3,923,206 | $1,285,546 | $4,004,512 | $13,857,893 |
| Reconciled Depreciation | $1,660,923 | $1,071,278 | $782,851 | $989,064 |
| EBITDA (Bullshit earnings) | $241,934,677 | $276,353,965 | $210,167,295 | $162,049,481 |
| EBIT | $240,273,755 | $275,282,687 | $209,384,444 | $161,060,417 |
| Diluted Average Shares | $6,187,912 | $7,275,878 | $7,213,340 | $7,996,354 |
| Basic Average Shares | $6,051,171 | $7,163,615 | $7,145,946 | $7,848,567 |
| Diluted NI Availto Com Stockholders | $217,945,801 | $229,159,460 | $176,611,499 | $120,836,397 |
| Tax Provision | $43,401,488 | $60,374,075 | $38,859,862 | $58,941,343 |
| Gain On Sale Of Security | $-3,923,206 | $1,285,546 | $4,004,512 | $15,178,579 |
| Provision For Doubtful Accounts | $86,643,369 | $38,805,947 | $35,831,906 | $26,926,784 |
| Selling General And Administration | $357,441,290 | $261,675,163 | $226,924,190 | $145,293,574 |
| Other Gand A | $29,697,192 | $26,181,212 | $22,908,891 | $21,315,271 |
| Minority Interests | - | $0 | $0 | $0 |
| Write Off | - | $0 | $6,960,242 | $1,320,687 |
Fetched: 2026-09-01
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $1,160,394,264 | $1,029,281,012 | $864,655,763 | $701,911,468 |
| Total Assets | $2,182,467,364 | $1,758,875,172 | $1,733,686,184 | $1,315,167,606 |
| Total Non Current Assets | $346,796,614 | $194,595,309 | $199,155,406 | $131,947,078 |
| Other Non Current Assets | $7,941,255 | $6,689,405 | $8,224,131 | $10,000,825 |
| Non Current Deferred Assets | $67,763,550 | $29,422,386 | $20,232,391 | $13,159,385 |
| Non Current Deferred Taxes Assets | $67,763,550 | $29,422,386 | $20,232,391 | $13,159,385 |
| Financial Assets | $0 | $154,507 | $0 | $0 |
| Investmentin Financial Assets | $184,987,088 | $76,412,323 | $90,508,384 | $28,664,521 |
| Goodwill And Other Intangible Assets | $5,830,994 | $5,445,395 | $5,477,899 | $5,439,138 |
| Other Intangible Assets | $5,830,994 | $5,445,395 | $5,477,899 | $5,439,138 |
| Current Assets | $1,835,670,750 | $1,564,279,863 | $1,534,530,778 | $1,183,220,529 |
| Other Current Assets | $1,196,747 | $815,614 | $2,350,251 | $1,644,783 |
| Restricted Cash | $425,541,776 | $392,138,249 | $364,823,682 | $323,671,335 |
| Prepaid Assets | $3,186,736 | $1,589,192 | $1,253,751 | $3,350,264 |
| Receivables | $1,258,772,223 | $1,023,212,896 | $988,218,082 | $764,927,879 |
| Taxes Receivable | $2,096,889 | $2,666,550 | $3,653,355 | $3,076,990 |
| Loans Receivable | $788,510,266 | $718,520,924 | $737,594,885 | $586,436,207 |
| Accounts Receivable | $468,165,068 | $302,025,422 | $246,969,842 | $172,908,676 |
| Allowance For Doubtful Accounts Receivable | $-28,628,371 | $-3,597,173 | $-1,379,002 | $-3,255,330 |
| Gross Accounts Receivable | $496,793,439 | $305,622,595 | $248,348,844 | $176,164,005 |
| Cash Cash Equivalents And Short Term Investments | $146,973,267 | $146,523,913 | $177,885,013 | $89,626,268 |
| Cash And Cash Equivalents | $146,973,267 | $146,523,913 | $177,885,013 | $89,626,268 |
| Other Receivables | - | $2,666,550 | $3,653,355 | $2,232,209 |
| Cash Cash Equivalents And Federal Funds Sold | - | $538,662,162 | $542,708,694 | $413,297,603 |
| Accrued Interest Receivable | - | - | $0 | $273,798 |
| Debt | ||||
| Net Debt | $25,328,973 | - | - | - |
| Total Debt | $173,917,976 | $78,703,766 | $95,205,064 | $12,130,345 |
| Long Term Debt And Capital Lease Obligation | $112,974,198 | $29,818,383 | $11,125,183 | $1,682,296 |
| Long Term Debt | $111,358,462 | $27,923,554 | $9,212,552 | - |
| Current Debt And Capital Lease Obligation | $60,943,778 | $48,885,383 | $84,079,882 | $10,448,049 |
| Current Debt | $60,943,778 | $48,885,383 | $84,079,882 | $10,448,049 |
| Other Current Borrowings | - | $48,885,383 | $84,079,882 | $10,448,049 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,016,242,106 | $724,148,765 | $863,552,523 | $607,817,000 |
| Total Non Current Liabilities Net Minority Interest | $130,817,779 | $43,728,761 | $21,186,621 | $25,463,527 |
| Other Non Current Liabilities | $5,179,753 | $4,094,823 | $5,591,097 | $7,618,240 |
| Derivative Product Liabilities | $2,295,557 | $0 | $0 | $16,055,596 |
| Non Current Deferred Liabilities | $10,368,270 | $9,815,555 | $4,470,341 | $107,396 |
| Non Current Deferred Taxes Liabilities | $10,368,270 | $9,815,555 | $4,470,341 | $107,396 |
| Current Liabilities | $885,424,327 | $680,420,003 | $842,365,902 | $582,353,473 |
| Current Deferred Liabilities | $73,192,525 | $26,995,598 | $17,825,796 | $4,100,921 |
| Payables And Accrued Expenses | $751,288,024 | $604,539,023 | $740,460,224 | $567,804,503 |
| Payables | $698,142,339 | $560,195,346 | $703,410,833 | $546,741,504 |
| Other Payable | $109,666,126 | $105,483,758 | $51,667,086 | $56,402,707 |
| Total Tax Payable | $133,852,354 | $129,689,173 | $109,574,817 | $78,243,354 |
| Income Tax Payable | $100,824,586 | $88,022,131 | $66,445,395 | $40,193,005 |
| Accounts Payable | $454,623,859 | $325,022,415 | $533,355,262 | $412,095,443 |
| Interest Payable | - | $1,376,014 | $5,612,420 | $1,825,650 |
| Dividends Payable | - | $0 | $8,813,668 | $0 |
| Equity | ||||
| Common Stock Equity | $1,166,225,258 | $1,034,726,407 | $870,133,661 | $707,350,606 |
| Total Equity Gross Minority Interest | $1,166,225,258 | $1,034,726,407 | $870,133,661 | $707,350,606 |
| Stockholders Equity | $1,166,225,258 | $1,034,726,407 | $870,133,661 | $707,350,606 |
| Gains Losses Not Affecting Retained Earnings | $9,483,084 | $12,061,673 | $10,339,095 | $9,464,358 |
| Other Equity Adjustments | $9,483,084 | $12,061,673 | $10,339,095 | $9,464,358 |
| Retained Earnings | $816,139,348 | $621,225,500 | $400,609,959 | $241,503,063 |
| Long Term Equity Investment | $76,717,140 | $74,115,048 | $73,426,493 | $73,810,957 |
| Other | ||||
| Treasury Shares Number | $14,077,806 | $11,672,892 | $5,292,469 | $6,131,042 |
| Ordinary Shares Number | $34,899,535 | $37,304,449 | $43,684,872 | $42,846,300 |
| Share Issued | $48,977,341 | $48,977,341 | $48,977,341 | $48,977,341 |
| Tangible Book Value | $1,160,394,264 | $1,029,281,012 | $864,655,763 | $701,911,468 |
| Invested Capital | $1,338,527,498 | $1,111,535,344 | $963,426,095 | $717,798,655 |
| Working Capital | $950,246,423 | $883,859,860 | $692,164,876 | $600,867,055 |
| Capital Lease Obligations | $1,615,736 | $1,894,829 | $1,912,630 | $1,682,296 |
| Total Capitalization | $1,277,583,721 | $1,062,649,961 | $879,346,213 | $707,350,606 |
| Treasury Stock | $144,018,136 | $75,842,101 | $16,595,775 | $18,541,739 |
| Additional Paid In Capital | $484,590,189 | $477,250,563 | $475,749,609 | $474,894,151 |
| Capital Stock | $30,774 | $30,774 | $30,774 | $30,774 |
| Common Stock | $30,774 | $30,774 | $30,774 | $30,774 |
| Long Term Capital Lease Obligation | $1,615,736 | $1,894,829 | $1,912,630 | $1,682,296 |
| Current Deferred Revenue | $73,192,525 | $26,995,598 | $17,825,796 | $4,100,921 |
| Line Of Credit | $60,943,778 | $48,885,383 | $84,079,882 | - |
| Current Accrued Expenses | $53,145,685 | $44,343,677 | $37,049,391 | $21,062,999 |
| Investments And Advances | $261,704,228 | $150,527,371 | $163,934,877 | $102,475,478 |
| Available For Sale Securities | $184,987,088 | $76,412,323 | $90,508,384 | $28,664,521 |
| Net PPE | $3,556,587 | $2,356,244 | $1,286,108 | $872,252 |
| Accumulated Depreciation | $-7,454,621 | $-6,773,218 | $-6,297,623 | $-6,555,603 |
| Gross PPE | $11,011,208 | $9,129,463 | $7,583,731 | $7,427,855 |
| Leases | $4,966,755 | $4,096,909 | $3,617,107 | $3,528,046 |
| Machinery Furniture Equipment | $6,044,453 | $5,032,554 | $3,966,624 | $3,899,809 |
| Properties | $0 | $0 | $0 | $0 |
| Non Current Deferred Revenue | - | $26,995,598 | $17,825,796 | $4,100,921 |
| Other Properties | - | $121,448 | $121,448 | $121,448 |
| Minority Interest | - | - | $0 | $0 |
| Other Short Term Investments | - | - | - | - |
Fetched: 2026-09-01
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $215,135,001 | $224,584,533 | $205,806,127 | $92,372,780 |
| Operating Activities | ||||
| Operating Cash Flow | $218,391,094 | $226,701,131 | $207,066,336 | $93,273,865 |
| Cash Flow From Continuing Operating Activities | $218,391,094 | $226,701,131 | $207,066,336 | $93,273,865 |
| Operating Gains Losses | $6,070,812 | $-9,227,300 | $1,455,668 | $-16,389,915 |
| Investing Activities | ||||
| Capital Expenditure | $-3,256,093 | $-2,116,598 | $-1,260,209 | $-901,085 |
| Investing Cash Flow | $-158,678,991 | $18,160,404 | $-250,549,373 | $-181,176,202 |
| Cash Flow From Continuing Investing Activities | $-158,678,991 | $18,160,404 | $-250,549,373 | $-181,176,202 |
| Net Other Investing Changes | $-120,618,402 | $-15,818,769 | $-186,172,501 | $-182,703,461 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-109,225,798 | $-27,114,516 | $-24,727,170 | $-84,372,523 |
| Financing Cash Flow | $11,792,689 | $-287,981,217 | $182,662,930 | $85,769,105 |
| Cash Flow From Continuing Financing Activities | $11,792,689 | $-287,981,217 | $182,662,930 | $85,769,105 |
| Net Other Financing Charges | $128,775,790 | $-208,332,847 | $142,285,564 | $172,898,289 |
| Cash Dividends Paid | $-23,031,953 | $-17,357,586 | $-8,690,936 | $0 |
| Net Common Stock Issuance | $-109,225,798 | $-27,114,516 | $-24,727,170 | $-69,669,705 |
| Issuance Of Capital Stock | - | $0 | $0 | $14,702,818 |
| Common Stock Issuance | - | $0 | $0 | $14,702,818 |
| Dividend Received Cfo | - | $1,116,105 | $2,963,280 | $0 |
| Other | ||||
| Repayment Of Debt | $-95,511,964 | $-55,061,162 | $-45,791,362 | $-27,948,800 |
| Issuance Of Debt | $107,946,147 | $19,866,662 | $119,423,195 | $10,448,049 |
| Interest Paid Supplemental Data | $4,321,668 | $3,595,770 | $3,459,496 | $296,290 |
| Income Tax Paid Supplemental Data | $49,585,713 | $43,019,751 | $15,221,416 | $5,561,061 |
| End Cash Position | $317,555,172 | $247,276,137 | $289,369,853 | $149,849,674 |
| Beginning Cash Position | $247,276,137 | $289,369,853 | $149,849,674 | $147,629,218 |
| Effect Of Exchange Rate Changes | $-1,225,758 | $1,025,966 | $340,286 | $4,353,689 |
| Changes In Cash | $71,504,792 | $-43,119,681 | $139,179,893 | $-2,133,232 |
| Proceeds From Stock Option Exercised | $2,840,468 | $18,231 | $163,639 | $41,272 |
| Common Stock Payments | $-109,225,798 | $-27,114,516 | $-24,727,170 | $-84,372,523 |
| Net Issuance Payments Of Debt | $12,434,183 | $-35,194,499 | $73,631,833 | $-17,500,751 |
| Net Short Term Debt Issuance | $12,434,183 | $-35,194,499 | $73,631,833 | $-14,329,474 |
| Short Term Debt Payments | $-95,511,964 | $-55,061,162 | $-45,791,362 | $-24,777,523 |
| Short Term Debt Issuance | $107,946,147 | $19,866,662 | $119,423,195 | $10,448,049 |
| Net Investment Purchase And Sale | $-34,813,175 | $36,079,706 | $-63,119,349 | $-12,453,860 |
| Sale Of Investment | $8,609,996 | $58,198,347 | $0 | $1,019,725 |
| Purchase Of Investment | $-43,423,171 | $-22,118,640 | $-63,119,349 | $-13,473,585 |
| Net PPE Purchase And Sale | $-3,247,414 | $-2,100,534 | $-1,257,522 | $-900,275 |
| Sale Of PPE | $8,679 | $16,064 | $2,687 | $810 |
| Purchase Of PPE | $-3,256,093 | $-2,116,598 | $-1,260,209 | $-901,085 |
| Change In Working Capital | $-42,911,562 | $-40,375,250 | $-20,571,265 | $-78,580,221 |
| Change In Other Working Capital | $44,651,270 | $12,199,135 | $10,721,075 | $-195,244 |
| Change In Other Current Liabilities | $1,948,996 | $0 | $-12,340,271 | $-33,325,967 |
| Change In Other Current Assets | $-427,567 | $-160,019 | $-18,025 | $232,557 |
| Change In Payables And Accrued Expense | $78,052,558 | $42,471,340 | $44,736,365 | $40,667,301 |
| Change In Accrued Expense | $51,393,705 | $22,524,400 | $13,404,902 | $12,528,768 |
| Change In Payable | $26,658,853 | $19,946,940 | $31,331,463 | $28,138,533 |
| Change In Tax Payable | $26,658,853 | $19,946,940 | $31,331,463 | $28,138,533 |
| Change In Income Tax Payable | $26,658,853 | $19,946,940 | $31,331,463 | $28,138,533 |
| Change In Prepaid Assets | $35,121,631 | $-36,419,550 | $11,375,324 | $-22,239,857 |
| Change In Receivables | $-202,258,450 | $-58,466,155 | $-75,045,734 | $-63,719,010 |
| Changes In Account Receivables | $-202,259,656 | $-60,373,020 | $-75,881,718 | $-64,922,652 |
| Other Non Cash Items | $-105,124,949 | $-13,368,028 | $17,861 | $97,968 |
| Stock Based Compensation | $9,072,687 | $5,979,018 | $6,339,208 | $7,967,174 |
| Provisionand Write Offof Assets | $170,078,278 | $57,516,949 | $45,044,458 | $26,926,784 |
| Deferred Tax | $-38,400,896 | $-4,054,995 | $-2,613,945 | $30,105,927 |
| Deferred Income Tax | $-38,400,896 | $-4,054,995 | $-2,613,945 | $30,105,927 |
| Depreciation Amortization Depletion | $1,660,923 | $1,071,278 | $782,851 | $989,064 |
| Depreciation And Amortization | $1,660,923 | $1,071,278 | $782,851 | $989,064 |
| Amortization Cash Flow | $356,069 | $347,131 | $332,455 | $335,316 |
| Amortization Of Intangibles | $356,069 | $347,131 | $332,455 | $335,316 |
| Depreciation | $1,304,854 | $724,147 | $450,396 | $653,748 |
| Earnings Losses From Equity Investments | $-3,826,939 | $-1,511,806 | $287,329 | $6,287,618 |
| Gain Loss On Investment Securities | $9,897,202 | $-7,707,117 | $1,146,285 | $-22,677,135 |
| Gain Loss On Sale Of PPE | $550 | $-8,377 | $22,054 | $-399 |
| Net Income From Continuing Operations | $217,945,801 | $229,159,460 | $176,611,499 | $120,836,397 |
| Net Long Term Debt Issuance | - | $0 | $0 | $-3,171,278 |
| Long Term Debt Payments | - | $0 | $0 | $-3,171,278 |
| Net Intangibles Purchase And Sale | - | $0 | $0 | $14,881,395 |
| Sale Of Intangibles | - | $0 | $0 | $14,881,395 |
| Asset Impairment Charge | - | $0 | $6,960,242 | $1,320,687 |
| Long Term Debt Issuance | - | - | $0 | $0 |
| Purchase Of Intangibles | - | - | - | - |
Fetched: 2026-09-01