X Financial(XYF)Earnings, Financials & Key Ratios
XYF•NYSE•Banking & Credit
0.2× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryConsumer Credit Issuers and Installment Lenders
AboutX Financial provides personal finance services in the People's Republic of China. The company offers services as an online marketplace connecting borrowers and investors. Its loan products include Xiaoying credit loan, which consists of Xiaoying card loan; and Xiaoying preferred loan to small business owners, as well as Xiaoying revolving loan. The company also offers Xiaoying housing loan, a home equity loan product for property owners; investment products through Xiaoying wealth management platform, such as loans, money market, and insurance products; and loan facilitation services to other platforms. X Financial was founded in 2014 and is headquartered in Shenzhen, the People's Republic of China.Show more
- Net Interest Income$1.37B+748.9%
- Total Revenue$7.43B+26.6%
- Net Income$1.42B-7.5%
- Return on Equity19.26%-20.0%
- Net Interest Margin9.33%+622.6%
- Efficiency Ratio52.13%+50.2%
- ROA10.75%-18.0%
- Equity / Assets53.44%-9.2%
- Book Value per Share1131.52+695.6%
XYF Key Insights
X Financial (XYF) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Excellent 3Y average ROE of 21.9%
- ✓Strong Piotroski F-Score: 8/9
- ✓Strong NIM of 9.3%
- ✓Efficient operations: 52.1% efficiency ratio
- ✓Well capitalized: 53.4% equity/assets
✗Weaknesses
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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XYF Price & Volume
X Financial (XYF) stock price & volume — 10-year historical chart
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XYF Growth Metrics
X Financial (XYF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years-
3 Years47.34%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years20.61%
TTM-4.94%
EPS CAGR
10 Years-
5 Years-
3 Years31.34%
TTM8.48%
Return on Capital
10 Years10.42%
5 Years15.59%
3 Years15.01%
Last Year12.57%
XYF Recent Earnings
X Financial (XYF) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 1/12 qtrs (33%)●Beat Revenue 0/12 qtrs (0%)
Q2 2026Latest
May 27, 2026Metric
Actual
Est
EPS
$0.30+3.3%
$0.29
Rev
—
$233M
Q2 2026
Mar 26, 2026Metric
Actual
Est
EPS
$0.22-22.8%
$0.28
Rev
$207M+0.0%
$207M
Q2 2026
Mar 25, 2026Metric
Actual
Est
EPS
$0.22-22.8%
$0.28
Rev
$207M+0.0%
$207M
Q4 2025
Nov 20, 2025Metric
Actual
Est
EPS
$1.47
—
Rev
$275M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 27, 2026 | $0.30vs $0.29+3.3% | —vs $233M |
| Q2 2026 | Mar 26, 2026 | $0.22vs $0.28-22.8% | $207Mvs $207M+0.0% |
| Q2 2026 | Mar 25, 2026 | $0.22vs $0.28-22.8% | $207Mvs $207M+0.0% |
| Q4 2025 | Nov 20, 2025 | $1.47 | $275M |
Based on last 12 quarters of dataView full earnings history →
XYF Peer Comparison
X Financial (XYF) competitors in Consumer Credit Issuers and Installment Lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 QFIN | 1.98B | 15.21 | 1.20 | 8.83% | 33.86% | 24.95% | 0.16 | |
 FINV | 1.18B | 4.67 | 3.38 | 1.03% | 18.75% | 6.05% | 0.08 | |
 LX | 337.33M | 2.00 | 1.48 | -9.94% | 11.52% | 14.68% | 0.40 | |
 CNF | 1.04M | 3.09 | -0.02 | -60.88% | -14.04% | -1.25% | 1.18 | |
 JFIN | 209.42M | 4.01 | 6.52 | -85.08% | 24.72% | 37.66% | 0.16 | |
 BEKE | 16.73B | 14.91 | 40.01 | 1.2% | 3.17% | 4.4% | 0.28 | |
 JD | 37.81B | 27.57 | 14.45 | 12.97% | 1.5% | 6.52% | 0.36 | |
 BABA | 249.84B | 107.06 | 16.45 | 2.74% | 10.12% | 9.35% | 0.23 |
Compare XYF vs Peers
X Financial (XYF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
XYF Income Statement
X Financial (XYF) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 134.37M | 80.33M | 427.79M | 634.59M | 691.61M | 136.92M | -253.97M | -211.03M | 1.37B |
NII Growth % | 336.89% | -40.22% | 432.54% | 48.34% | 8.99% | -80.2% | -285.48% | 16.91% | 748.86% |
Net Interest Margin % | 3.46% | 1.73% | 5.17% | 8.46% | 9.42% | 1.55% | -2.18% | -1.79% | 9.33% |
Interest Income | 134.37M | 80.33M | 427.79M | 634.59M | 691.61M | 970.03M | 1.12B | 1.37B | 1.37B |
Interest Expense | 0 | 0 | 0 | 0 | 0 | 833.11M | 1.37B | 1.58B | 0 |
Loan Loss Provision | 350.28M | 653.71M | 310.01M | 1.34B | 144.95M | 167.71M | 308.22M | 377.33M | 1.97B |
Non-Interest Income | 869.21M | 2.09B | 850.7M | -696.09M | 820.32M | 1.35B | 2.16B | 4.5B | 6.06B |
Non-Interest Income % | 86.61% | 96.3% | 66.54% | 1131.83% | 54.26% | 58.25% | 65.92% | 76.64% | 81.57% |
Total Revenue | 1B▲ 0% | 2.17B▲ 116.3% | 1.28B▼ 41.1% | -61.5M▼ 104.8% | 1.51B▲ 2558.4% | 2.32B▲ 53.7% | 3.28B▲ 41.1% | 5.87B▲ 79.2% | 7.43B▲ 26.6% |
Revenue Growth % | 2662.22% | 116.25% | -41.09% | -104.81% | 2558.38% | 53.66% | 41.07% | 79.16% | 26.56% |
Non-Interest Expense | 174.73M | 431.65M | 304.56M | 202.15M | 176.18M | 102.51M | 129.59M | 2.04B | 3.87B |
Efficiency Ratio | 17.41% | 19.89% | 23.82% | -328.69% | 11.65% | 4.41% | 3.95% | 34.71% | 52.13% |
Operating Income | 478.58M▲ 0% | 1.08B▲ 126.7% | 663.92M▼ 38.8% | -1.6B▼ 341.2% | 1.19B▲ 174.4% | 1.22B▲ 2.4% | 1.47B▲ 20.4% | 1.87B▲ 27.6% | 1.59B▼ 15.0% |
Operating Margin % | 47.69% | 49.99% | 51.93% | 2604.07% | 78.76% | 52.51% | 44.81% | 31.91% | 21.43% |
Operating Income Growth % | 425.12% | 126.7% | -38.81% | -341.23% | 174.35% | 2.44% | 20.39% | 27.59% | -15.03% |
Pretax Income | 478.58M▲ 0% | 1.08B▲ 126.7% | 663.92M▼ 38.8% | -1.61B▼ 342.3% | 1.19B▲ 174.0% | 1.21B▲ 1.5% | 1.45B▲ 19.9% | 1.95B▲ 34.4% | 1.71B▼ 12.2% |
Pretax Margin % | 47.69% | 49.99% | 51.93% | 2615.14% | 78.76% | 52% | 44.18% | 33.13% | 22.99% |
Income Tax | 138.25M | 209.92M | -93.1M | -299.88M | 368.74M | 396.07M | 261.13M | 405.7M | 283.7M |
Effective Tax Rate % | 28.89% | 19.35% | -14.02% | 18.65% | 30.97% | 32.79% | 18.03% | 20.85% | 16.61% |
Net Income | 340.28M▲ 0% | 883.11M▲ 159.5% | 774.28M▼ 12.3% | -1.31B▼ 269.0% | 825.41M▲ 163.1% | 812M▼ 1.6% | 1.19B▲ 46.2% | 1.54B▲ 29.8% | 1.42B▼ 7.5% |
Net Margin % | 33.91% | 40.69% | 60.56% | 2127.61% | 54.59% | 34.95% | 36.21% | 26.23% | 19.17% |
Net Income Growth % | 384.57% | 159.53% | -12.32% | -269% | 163.08% | -1.62% | 46.16% | 29.75% | -7.48% |
Net Income (Continuing) | 339.49M | 883.06M | 774.48M | -1.31B | 825.41M | 812M | 1.19B | 1.54B | 1.42B |
EPS (Diluted) | 6.76▲ 0% | 17.43▲ 157.8% | 14.52▼ 16.7% | -24.30▼ 267.4% | 88.20▲ 463.0% | 90.72▲ 2.9% | 146.88▲ 61.9% | 189.00▲ 28.7% | 205.56▲ 8.8% |
EPS Growth % | 385.23% | 157.84% | -16.7% | -267.36% | 462.96% | 2.86% | 61.9% | 28.68% | 8.76% |
EPS (Basic) | 6.76 | 17.46 | 14.82 | -24.30 | 90.36 | 92.52 | 148.32 | 191.88 | 210.18 |
Diluted Shares Outstanding | 46.62M | 50.66M | 53.29M | 53.54M | 56.15M | 53.73M | 48.47M | 48.89M | 6.93M |
XYF Balance Sheet
X Financial (XYF) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 671.36M | 1.11B | 1.52B | 1.66B | 2.17B | 2.37B | 2.9B | 2.94B | 3.38B |
Cash & Due from Banks | 671.36M | 1.11B | 1.52B | 1.65B | 2.09B | 2.37B | 2.9B | 2.94B | 2.13B |
Short Term Investments | 0 | 0 | 0 | 6M | 82.84M | 0 | 0 | 0 | 1.24B |
Total Investments | 1.69B | 1.44B | 4.17B | 3.47B | 3.54B | 4.63B | 6.06B | 5.84B | 7.06B |
Investments Growth % | 88.36% | -14.72% | 189.89% | -16.89% | 2.07% | 30.75% | 30.86% | -3.59% | 20.9% |
Long-Term Investments | 1.69B | 1.44B | 4.17B | 3.46B | 3.46B | 4.63B | 6.06B | 5.84B | 5.82B |
Accounts Receivables | 1.11B | 1.38B | 807.81M | 424.67M | 755.37M | 1.16B | 1.66B | 2.03B | 3.15B |
Goodwill & Intangibles | 1.62M | 28.4M | 415.13M | 295.45M | 136.05M | 36.55M | 36.81M | 36.59M | 39.21M |
Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Intangible Assets | 1.62M | 28.4M | 415.13M | 295.45M | 136.05M | 36.55M | 36.81M | 36.59M | 39.21M |
PP&E (Net) | 21M | 23.21M | 20.14M | 11.14M | 6.19M | 5.86M | 8.64M | 15.83M | 23.92M |
Other Assets | 16.37M | 240.16M | 627.71M | 915.04M | 445.16M | 482.95M | 820.13M | 727.23M | 1.81B |
Total Current Assets | 1.86B | 2.56B | 2.58B | 2.21B | 3.02B | 3.59B | 4.59B | 5B | 6.53B |
Total Non-Current Assets | 2.02B | 2.08B | 5.7B | 5.29B | 4.32B | 5.24B | 7.06B | 6.82B | 8.15B |
Total Assets | 3.89B▲ 0% | 4.64B▲ 19.3% | 8.28B▲ 78.6% | 7.5B▼ 9.5% | 7.34B▼ 2.1% | 8.84B▲ 20.4% | 11.65B▲ 31.8% | 11.82B▲ 1.5% | 14.68B▲ 24.2% |
Asset Growth % | 131.33% | 19.27% | 78.58% | -9.45% | -2.07% | 20.36% | 31.82% | 1.45% | 24.16% |
Return on Assets (ROA) | 12.22% | 20.72% | 11.99% | -16.59% | 11.12% | 10.04% | 11.59% | 13.12% | 10.75% |
Accounts Payable | 54.8M | 75.28M | 103.38M | 126.61M | 83.08M | 195.09M | 179.83M | 258.01M | 0 |
Total Debt | 0 | 198M | 20.21M | 367.42M | 178.83M | 81.51M | 577.85M | 341.23M | 409.79M |
Net Debt | -671.36M | -911.36M | -1.5B | -1.29B | -1.91B | -2.29B | -2.32B | -2.6B | -1.73B |
Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Short-Term Debt | 0 | 198M | 0 | 350.55M | 166.5M | 70.21M | 565M | 328.5M | 409.79M |
Other Liabilities | 1.85B | 521.34M | 3.54B | 3.8B | 3.01B | 3.68B | 4.74B | 3.86B | 5.87B |
Total Current Liabilities | 276.68M | 550.13M | 349.81M | 603.63M | 343.91M | 367.64M | 899.22M | 742.6M | 409.79M |
Total Non-Current Liabilities | 1.85B | 568.77M | 3.56B | 3.82B | 3.02B | 3.72B | 4.9B | 4.12B | 6.41B |
Total Liabilities | 2.12B | 1.12B | 3.91B | 4.42B | 3.37B | 4.08B | 5.8B | 4.87B | 6.82B |
Total Equity | 1.77B▲ 0% | 3.52B▲ 99.3% | 4.37B▲ 24.1% | 3.08B▼ 29.6% | 3.98B▲ 29.3% | 4.75B▲ 19.5% | 5.85B▲ 23.0% | 6.95B▲ 18.9% | 7.84B▲ 12.8% |
Equity Growth % | 368.93% | 99.26% | 24.13% | -29.56% | 29.29% | 19.52% | 23.01% | 18.92% | 12.78% |
Equity / Assets (Capital Ratio) | 45.41% | 75.87% | 52.74% | 41.02% | 54.16% | 53.78% | 50.19% | 58.83% | 53.44% |
Return on Equity (ROE) | 31.77% | 33.43% | 19.64% | -35.16% | 23.41% | 18.6% | 22.39% | 24.06% | 19.26% |
Book Value per Share | 37.87 | 69.44 | 81.95 | 57.45 | 70.83 | 88.46 | 120.63 | 142.21 | 1131.52 |
Tangible BV per Share | 37.84 | 68.88 | 74.16 | 51.94 | 68.41 | 87.78 | 119.87 | 141.47 | 1125.86 |
Common Stock | 173.44K | 189.59K | 201.24K | 202.87K | 206.79K | 206.79K | 206.79K | 206.79K | 207.13K |
Additional Paid-in Capital | 1.97B | 2.82B | 2.99B | 3.07B | 3.16B | 3.19B | 3.2B | 3.21B | 3.26B |
Retained Earnings | -243M | 640.11M | 1.31B | -14.55M | 810.86M | 1.62B | 2.69B | 4.17B | 5.49B |
Accumulated OCI | 33.45M | 52.49M | 67.1M | 21.06M | 6.31M | 63.6M | 69.48M | 81.05M | 63.76M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | -124.6M | -111.52M | -509.64M | -968.39M |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
XYF Cash Flow Statement
X Financial (XYF) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | -615.33M | 5.35M | 600.57M | -679.23M | 449.17M | 322.7M | 814.14M | 1.52B | 1.47B |
Operating CF Growth % | -845.25% | 100.87% | 11116.84% | -213.1% | 166.13% | -28.16% | 152.29% | 87.12% | -3.67% |
Net Income | 340.28M | 883.11M | 774.48M | -1.31B | 825.41M | 812M | 1.19B | 1.54B | 1.46B |
Depreciation & Amortization | 5.37M | 9.64M | 11.38M | 11.92M | 8.14M | 6.65M | 5.26M | 7.2M | 11.16M |
Deferred Taxes | 185.14M | -3.16M | -164.91M | -142.55M | 333.42M | 195.59M | -17.57M | -27.25M | -258.05M |
Other Non-Cash Items | -602.12M | 528.75M | 785.32M | 1.56B | 358.95M | 240M | 230.77M | 391.79M | 477.27M |
Working Capital Changes | -618M | -1.58B | -962.81M | -883.25M | -1.17B | -985.06M | -633.72M | -428.44M | -288.36M |
Cash from Investing | -10.81M | 412.87M | -3.08B | -3.7B | -2.35B | -913.39M | -1.11B | 122.03M | -1.07B |
Purchase of Investments | -55M | -225M | 0 | -9.5M | -427.84M | -90.54M | -424.15M | -148.63M | -291.8M |
Sale/Maturity of Investments | 16.5M | 0 | 0 | 0 | 76M | 6.85M | 0 | 391.08M | 57.86M |
Net Investment Activity | -38.5M | -225M | 0 | -9.5M | -351.84M | -83.69M | -424.15M | 242.45M | -233.94M |
Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Investing | 48.34M | 676.5M | -3.06B | -3.69B | -1.99B | -823.65M | -673.72M | -106.19M | -810.47M |
Cash from Financing | 830.15M | 181.79M | 2.71B | 4.49B | 1.3B | 576.35M | 1.23B | -1.94B | 79.24M |
Dividends Paid | 0 | 0 | -103.2M | 0 | 0 | 0 | -58.4M | -116.64M | -154.77M |
Share Repurchases | 0 | 0 | 0 | -68.94K | 0 | -146.74M | -24.87M | -182.2M | -733.98M |
Stock Issued | 1B | 713.09M | 0 | 0 | 0 | 0 | 0 | 0 | 19.09M |
Net Stock Activity | 1B | 713.09M | 0 | -68.94K | 0 | -146.74M | -24.87M | -182.2M | -714.89M |
Debt Issuance (Net) | -1000K | 1000K | 1000K | 1000K | 1000K | -1000K | 1000K | -1000K | 1000K |
Other Financing | -106.65M | -698.2M | -191.96M | 4.14B | 1.28B | 819.38M | 815.94M | -1.4B | 865.35M |
Net Change in Cash | 179.28M▲ 0% | 593.73M▲ 231.2% | 242.6M▼ 59.1% | 78.22M▼ 67.8% | -606.48M▼ 875.4% | 14.92M▲ 102.5% | 937.55M▲ 6183.4% | -282.86M▼ 130.2% | 472.26M▲ 267.0% |
Exchange Rate Effect | -24.74M | -6.28M | 10.62M | -28.41M | -9.37M | 29.26M | 2.29M | 6.89M | -8.24M |
Cash at Beginning | 504.7M | 683.98M | 1.28B | 1.52B | 1.6B | 992.04M | 1.01B | 1.94B | 1.66B |
Cash at End | 683.98M | 1.28B | 1.52B | 1.6B | 992.04M | 1.01B | 1.94B | 1.66B | 2.13B |
Interest Paid | 0 | 0 | 3.47M | 11.41M | 6.72M | 1.99M | 23.25M | 24.16M | 29.04M |
Income Taxes Paid | 147.85K | 302.18M | 43.05M | 107.75M | 30.96M | 37.37M | 102.28M | 289.08M | 333.21M |
Free Cash Flow | -635.97M▲ 0% | -33.28M▲ 94.8% | 205.42M▲ 717.3% | -684.6M▼ 433.3% | 446.55M▲ 165.2% | 316.65M▼ 29.1% | 805.67M▲ 154.4% | 1.51B▲ 87.3% | 1.45B▼ 4.2% |
FCF Growth % | -903.59% | 94.77% | 717.25% | -433.26% | 165.23% | -29.09% | 154.44% | 87.32% | -4.21% |
XYF Banking Ratios
X Financial (XYF) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | -31.76% | 31.77% | 33.43% | 19.64% | -35.16% | 23.41% | 18.6% | 22.39% | 24.06% | 19.26% |
Return on Assets (ROA) | -7.11% | 12.22% | 20.72% | 11.99% | -16.59% | 11.12% | 10.04% | 11.59% | 13.12% | 10.75% |
Net Interest Margin | 1.83% | 3.46% | 1.73% | 5.17% | 8.46% | 9.42% | 1.55% | -2.18% | -1.79% | 9.33% |
Efficiency Ratio | -255.13% | 17.41% | 19.89% | 23.82% | -328.69% | 11.65% | 4.41% | 3.95% | 34.71% | 52.13% |
Equity / Assets | 22.4% | 45.41% | 75.87% | 52.74% | 41.02% | 54.16% | 53.78% | 50.19% | 58.83% | 53.44% |
Book Value / Share | 9.49 | 37.87 | 69.44 | 81.95 | 57.45 | 70.83 | 88.46 | 120.63 | 142.21 | 1.13K |
NII Growth | - | 336.89% | -40.22% | 432.54% | 48.34% | 8.99% | -80.2% | -285.48% | 16.91% | 748.86% |
Dividend Payout | - | - | - | 13.33% | - | - | - | 4.92% | 7.57% | 10.86% |
Related:XYF Dividend History·XYF Revenue History·XYF Price History·XYF P/E History·XYF Financial Ratios·XYF Institutional Holders
XYF Frequently Asked Questions
X Financial (XYF) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
X Financial (XYF) grew revenue by 26.6% over the past year. This is strong growth.
Yes, X Financial (XYF) is profitable, generating $1.46B in net income for fiscal year 2025 (19.2% net margin).
Dividend & Returns
Yes, X Financial (XYF) pays a dividend with a yield of 68.66%. This makes it attractive for income-focused investors.
X Financial (XYF) has a return on equity (ROE) of 19.3%. This is reasonable for most industries.
Industry Metrics
X Financial (XYF) has a net interest margin (NIM) of 9.3%. This indicates healthy earnings from lending activities.
X Financial (XYF) has an efficiency ratio of 52.1%. This is excellent, indicating strong cost control.