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X Financial reports to SEC EDGAR in CNY (it files a 20-F/40-F as a foreign private issuer), so every monetary figure below is in CNY as filed, not US dollars.
XYF CIK 0001725033

Source: EDGAR filings · Built 2026-06-19T01:48:13Z

Key metrics by reporting period

Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.

Derived Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Free Cash Flow 1.45B 1.51B 1.38B 620.73M 446.55M -684.60M
EBITDA 1.64B 1.88B 1.47B 1.22B 1.32B -1.42B
Net Debt -532.44M -615.86M -579.93M -489.56M -393.91M -351.36M
Gross Margin 73.55% 70.40% 67.93% 62.46% 45.87% 5.54%
Operating Margin 21.34% 31.91% 30.37% 34.07% 36.15% -65.22%
Net Margin 19.17% 26.23% 24.65% 22.79% 22.76% -59.67%
Return on Equity (ROE) 18.69% 22.15% 20.30% 17.08% 20.76% -42.56%
Return on Assets (ROA) 9.99% 13.03% 10.19% 9.19% 11.24% -17.45%
Debt-to-Equity 0.06× 0.05× 0.11× 0.02× 0.05× 0.13×
Effective Tax Rate 16.67% 21.42% 17.78% 32.47% 30.97% 18.72%
Cash Conversion Ratio 1.00× 0.99× 1.17× 0.77× 0.54× 0.52×
Accruals Ratio -0.00× 0.00× -0.02× 0.02× 0.05× -0.08×
SBC % of Revenue 0.80% 0.68% 0.88% 1.50% 2.44% 3.65%
CapEx Coverage 67.07× 107.11× 164.31× 103.51× 171.44× -126.59×
Free Cash Flow Per Share ¥5.79 ¥5.14 ¥4.76 ¥1.93 ¥1.33 ¥-2.13

Income Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenue from Contract with Customer, Excluding Assessed Tax 1.09B 804.43M 678.16M 516.58M 569.07M 336.09M
Cost of Revenue 288.93M 238.12M 404.21M 308.35M 308.04M 317.47M
Operating Income (Loss) 233.10M 256.71M 202.49M 156.92M 205.73M -219.21M
Income Tax Expense (Benefit) 41.71M 55.58M 35.13M 56.45M 57.86M 45.96M
Net Income (Loss) Attributable to Parent 209.43M 210.97M 167.16M 117.73M 129.52M -200.54M
Earnings Per Share, Basic $0.86 $0.73 $0.58 $0.37 $0.39 $-0.62
Weighted Average Number of Shares Outstanding, Basic 243.98M 288.83M 288.12M 316.44M 329.23M 321.24M
Earnings Per Share, Diluted $0.84 $0.72 $0.57 $0.37 $0.38 $-0.62
Weighted Average Number of Shares Outstanding, Diluted 249.49M 293.35M 290.83M 322.40M 336.88M 321.24M

Balance Sheet

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash and Cash Equivalents, at Carrying Value 141.23M 134.89M 168.36M 87.32M 91.76M 114.39M
Assets 2.10B 1.62B 1.64B 1.28B 1.15B 1.15B
Liabilities 976.53M 666.66M 817.32M 592.18M 528.17M 677.70M
Stockholders' Equity Attributable to Parent 1.12B 952.58M 823.55M 689.16M 624.06M 471.23M
Common Stock, Shares, Outstanding 234.52M 250.68M 293.55M 287.92M 329.12M 323.12M

Cash Flow Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Net Cash Provided by (Used in) Operating Activities 209.86M 208.70M 114.67M 46.79M 70.48M -104.10M
Payments to Acquire Property, Plant, and Equipment 3.13M 1.95M 1.19M 877.91K 411.14K 822.29K
Net Cash Provided by (Used in) Investing Activities -152.48M 16.72M -155.82M -132.43M -368.39M -567.79M
Payments for Repurchase of Common Stock 104.96M 24.96M 3.50M 21.28M 0 —
Payments of Dividends 22.13M 15.98M 8.23M 0 0 —
Net Cash Provided by (Used in) Financing Activities 11.33M -265.12M 172.88M 83.56M 204.20M 688.23M

Raw XBRL tagging for a single filing

Every us-gaap and custom concept the filer tagged for one fiscal period, grouped by statement. Start here when a number in the trend table above surprises you and you want to see the exact tag behind it. Derived and valuation rows are omitted here because they already appear in the trend table.

Most recent filing shown by default.

Compare filings side-by-side

Diff any two filings with deltas and added / removed tags.

Immaterial rows are USD line items under 1% of the period's revenue — the noise floor below which a single tag rarely moves the investment thesis. Revenue is read from the filer's top-line concept (Revenues / RevenueFromContractWithCustomerExcludingAssessedTax, with a fallback chain). Non-USD rows, rows without a numeric value, and every row on a filing with no identifiable revenue anchor stay visible. Flip the switch off to see every tag the filer reported for the period.

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Methodology

All facts on this page come straight from SEC EDGAR XBRL company-facts filings (XYF CIK 0001725033), grouped by financial statement using FASB's base us-gaap presentation taxonomy. Filers may re-parent concepts onto different statements in their own extension taxonomy, so a handful of rows can show up under a different statement than on the actual 10-K / 10-Q; custom concepts and any we couldn't map fall into Other. Hover a cell to see the fully-qualified concept name and the filer's description.

For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.

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