X Financial (XYF) quarterly balance sheet — complete assets, liabilities & equity history
X Financial (XYF) balance sheet — 10-year assets, liabilities & shareholders' equity history
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 |
|---|
| Cash & Short Term Investments | 2.84B | 3.77B | 987.63M | 890.85M | 1.15B | 1.39B | 2.94B | 2.78B | 3.2B | 3.01B | 2.9B | 1.43B | 1.32B | 921.16M | 2.37B | 653.72M | 702.92M | 649.2M | 2.17B | 2.46B |
| Cash & Due from Banks | 2.84B | 3.77B | 987.63M | 890.85M | 1.15B | 1.39B | 2.94B | 2.78B | 3.2B | 3.01B | 2.9B | 3.26B | 3.08B | 2.81B | 2.37B | 2.28B | 2.39B | 2.22B | 2.09B | 2.46B |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1.83B | -1.76B | -1.88B | 0 | -1.63B | -1.69B | -1.57B | 82.84M | 0 |
| Total Investments | 7.25B | 6.64B | 1.76B | 1.85B | 934.62M | 924.92M | 1.01B | 1.36B | 6.34B | 6.46B | 6.06B | -1.05B | -1.04B | -1.2B | 4.63B | -897.34M | -977.42M | -893.1M | 3.54B | 386.3M |
| Investments Growth % | 675.82% | 618.1% | 73.86% | 36.05% | -85.26% | -85.69% | -83.3% | 229.71% | 709.43% | 638.66% | 30.86% | -16.72% | -6.45% | -34.34% | 30.75% | -332.29% | -337.1% | -368.27% | 2.07% | 27.9% |
| Long-Term Investments | 7.25B | 6.64B | 1.76B | 1.85B | 934.62M | 924.92M | 1.01B | 1.36B | 6.34B | 6.46B | 6.06B | 781.48M | 718.95M | 684.92M | 4.63B | 733.79M | 714.53M | 681.2M | 3.46B | 386.3M |
| Accounts Receivables | 1.38B | 2.5B | 3.15B | 3.07B | 3.16B | 2.41B | 2.03B | 1.71B | 1.51B | 1.6B | 1.66B | 1.74B | 1.49B | 1.27B | 1.16B | 922.24M | 730.81M | 742.76M | 755.37M | 888.46M |
| Goodwill & Intangibles | 38.24M | 38.69M | 39.18M | 37.81M | 37.15M | 36.51M | 36.59M | 36.24M | 5.02M | 5.12M | 36.81M | 36.51M | 35.93M | 36.16M | 36.55M | 37.15M | 36.34M | 36.32M | 136.05M | 36.88M |
| Goodwill | 0 | 0 | 0 | 37.81M | 37.15M | 36.51M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 38.24M | 38.69M | 39.18M | 0 | 0 | 0 | 36.59M | 36.24M | 5.02M | 5.12M | 36.81M | 36.51M | 35.93M | 36.16M | 36.55M | 37.15M | 36.34M | 36.32M | 136.05M | 36.88M |
| PP&E (Net) | 24.51M | 26.33M | 23.9M | 20.82M | 18.53M | 16.77M | 55.07M | 11.57M | 10.42M | 9.55M | 8.64M | 8.55M | 7.46M | 5.92M | 5.86M | 5.33M | 5.43M | 4.84M | 6.19M | 6.13M |
| Other Assets | 85.06M | 89.81M | 53.36M | 148.47M | 175.85M | 76.6M | 5.52B | 53.26M | 682.74M | 855.78M | 820.13M | 686.34M | 684.04M | 553.46M | 482.95M | 531.08M | 396.74M | 674.3M | 445.16M | 368.62M |
| Total Current Assets | 4.22B | 6.25B | 12.34B | 12.33B | 12.26B | 10.85B | 5B | 11.71B | 4.71B | 4.61B | 4.59B | 10.16B | 9.51B | 8.46B | 3.59B | 7.71B | 7.47B | 7.33B | 3.02B | 8.33B |
| Total Non-Current Assets | 7.89B | 7.3B | 2.33B | 2.36B | 1.43B | 1.24B | 6.82B | 1.65B | 7.26B | 7.53B | 7.06B | 826.54M | 762.35M | 727M | 5.24B | 776.27M | 756.3M | 722.36M | 4.32B | 429.31M |
| Total Assets | 12.11B | 13.56B | 14.67B | 14.69B | 13.69B | 12.09B | 11.82B | 11.62B | 11.98B | 12.14B | 11.65B | 11.16B | 10.42B | 9.33B | 8.84B | 8.67B | 8.41B | 8.24B | 7.34B | 7.21B |
| Asset Growth % | -11.55% | 12.1% | 24.08% | 26.41% | 14.3% | -0.38% | 1.45% | 4.11% | 14.96% | 30.13% | 31.82% | 28.69% | 23.91% | 13.24% | 20.36% | 20.26% | 17.06% | 17.56% | -2.07% | -11.38% |
| Return on Assets (ROA) | 0.37% | 0.27% | 0.38% | 2.97% | 4.1% | 3.83% | 3.29% | 3.19% | 3.44% | 3.05% | 1.66% | 3.22% | 3.71% | 3.13% | 3.14% | 2.48% | 2.23% | 1.8% | 1.78% | 3.71% |
| Accounts Payable | 0 | 2.41B | 3.05B | 2.86B | 2.45B | 1.72B | 258.01M | 0 | 0 | 0 | 179.83M | 0 | 0 | 0 | 195.09M | 0 | 0 | 0 | 83.08M | 0 |
| Total Debt | 396.35M | 352.55M | 1.17B | 566.38M | 401.5M | 603.5M | 341.23M | 433.5M | 474.5M | 434.5M | 577.85M | 557.5M | 662.71M | 462.71M | 81.51M | 90.21M | 20M | 119.5M | 178.83M | 75.05M |
| Net Debt | -2.45B | -3.41B | 181.06M | -324.48M | -751.49M | -785.96M | -2.6B | -2.35B | -2.73B | -2.57B | -2.32B | -2.7B | -2.42B | -2.34B | -2.29B | -2.19B | -2.37B | -2.1B | -1.91B | -2.38B |
| Long-Term Debt | 0 | 0 | 748.31M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 396.35M | 352.55M | 409.53M | 566.38M | 401.5M | 603.5M | 328.5M | 433.5M | 474.5M | 434.5M | 565M | 557.5M | 662.71M | 462.71M | 70.21M | 90.21M | 20M | 119.5M | 166.5M | 75.05M |
| Other Liabilities | 3.93B | 5.37B | 50.23M | 137.54M | 19.5M | 50.45M | 3.86B | 4.06B | 4.67B | 5.31B | 4.74B | 4.75B | 4.3B | 2.73B | 3.68B | 2.78B | 2.72B | 3.95B | 3.01B | 2.02B |
| Total Current Liabilities | 396.35M | 352.55M | 5.95B | 6.08B | 5.57B | 4.43B | 742.6M | 526.55M | 533.26M | 465.63M | 899.22M | 5.08B | 4.89B | 4.14B | 367.64M | 3.96B | 3.88B | 3.96B | 343.91M | 3.13B |
| Total Non-Current Liabilities | 3.95B | 5.46B | 879.07M | 676.6M | 399.23M | 227.62M | 4.12B | 4.2B | 4.79B | 5.45B | 4.9B | 42.82M | 8.73M | 2.73B | 3.72B | 2.78B | 2.72B | 119.5M | 3.02B | 2.02B |
| Total Liabilities | 4.35B | 5.82B | 6.83B | 6.76B | 5.97B | 4.66B | 4.87B | 4.72B | 5.32B | 5.92B | 5.8B | 5.44B | 5.04B | 4.28B | 4.08B | 4.14B | 4.05B | 4.11B | 3.37B | 3.39B |
| Total Equity | 7.76B | 7.74B | 7.84B | 7.93B | 7.72B | 7.44B | 6.95B | 6.9B | 6.65B | 6.22B | 5.85B | 5.72B | 5.38B | 5.04B | 4.75B | 4.53B | 4.36B | 4.13B | 3.98B | 3.82B |
| Equity Growth % | 0.48% | 4.09% | 12.71% | 14.97% | 16.03% | 19.49% | 18.92% | 20.62% | 23.75% | 23.39% | 23.01% | 26.21% | 23.29% | 22.17% | 19.52% | 18.59% | 23.68% | 25.25% | 29.29% | 1.78% |
| Equity / Assets (Capital Ratio) | 64.08% | 57.09% | 53.44% | 53.98% | 56.41% | 61.49% | 58.83% | 59.35% | 55.57% | 51.26% | 50.19% | 51.23% | 51.62% | 54.07% | 53.78% | 52.23% | 51.88% | 50.11% | 54.16% | 52.97% |
| Return on Equity (ROE) | 0.6% | 0.48% | 0.72% | 5.38% | 6.97% | 6.37% | 5.57% | 5.55% | 6.45% | 6.02% | 3.27% | 6.26% | 7.03% | 5.81% | 5.92% | 4.76% | 4.37% | 3.45% | 3.32% | 7.28% |
| Book Value per Share | 1227.38 | 1178.02 | 1183.98 | 1135.89 | 1053.06 | 1026.11 | 867.51 | 849.27 | 797.30 | 754.51 | 714.44 | 692.76 | 658.73 | 616.83 | 538.59 | 495.74 | 462.45 | 437.59 | 422.94 | 401.72 |
| Tangible BV per Share | 1221.33 | 1172.13 | 1178.06 | 1130.47 | 1047.99 | 1021.07 | 862.95 | 844.81 | 796.70 | 753.89 | 709.94 | 688.33 | 654.33 | 612.40 | 534.45 | 491.67 | 458.60 | 433.74 | 408.47 | 397.84 |
| Common Stock | 207.07K | 206.22K | 206.79K | 207K | 207K | 207K | 206.79K | 207K | 207K | 207K | 206.79K | 207K | 207K | 207K | 206.79K | 207K | 207K | 207K | 206.79K | 207K |
| Additional Paid-in Capital | 3.26B | 3.25B | 3.26B | 3.26B | 3.24B | 3.23B | 3.21B | 3.19B | 3.21B | 3.2B | 3.2B | 3.21B | 3.21B | 3.2B | 3.19B | 3.2B | 3.19B | 3.17B | 3.16B | 3.12B |
| Retained Earnings | 5.5B | 5.43B | 5.48B | 5.51B | 5.08B | 4.63B | 4.17B | 3.79B | 3.47B | 3.06B | 2.69B | 2.56B | 2.21B | 1.91B | 1.62B | 1.35B | 1.14B | 950.79M | 810.86M | 681.39M |
| Accumulated OCI | 39.25M | 50.8M | 63.72M | 69.13M | 77.27M | 80.09M | 81.05M | 67.57M | 79.21M | 72.95M | 69.48M | 77.27M | 83.57M | 56.34M | 63.6M | 76.45M | 39.1M | 3.44M | 6.31M | 16.54M |
| Treasury Stock | -1.04B | -984.52M | -967.77M | -904.5M | -685.24M | -503.45M | -509.64M | -155.01M | -101.79M | -106.68M | -111.52M | -131.55M | -132.2M | -121.5M | -124.6M | -95.86M | -3.3M | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |