X Financial (XYF) Quarterly Income Statement

120+ quarters historyFree accessUpdated daily

X Financial (XYF) quarterly income statement — complete revenue, gross profit & net income history

Quarterly statement

XYF Income Statement

X Financial (XYF) annual income statement — 10-year revenue, gross profit & net income 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

Net Interest Income	291.76M	340.95M	392.93M	-147.08M	-752.28M	-706.09M	-148.77M	-169.78M	25.56M	81.96M	305.1M	-126.26M	-65.94M	-19.89M	249.04M	252.25M	236.45M	232.3M	222.81M	178.73M
NII Growth %	138.78%	148.29%	364.13%	13.37%	-3043.42%	-961.47%	-148.76%	-34.47%	138.76%	512.19%	22.51%	-150.05%	-127.89%	-108.56%	11.77%	41.13%	51.29%	73.64%	25.58%	23.62%
Net Interest Margin %	2.41%	2.52%	2.68%	-1%	-5.5%	-5.84%	-1.26%	-1.46%	0.21%	0.68%	2.62%	-1.13%	-0.63%	-0.21%	2.82%	2.91%	2.81%	2.82%	3.03%	2.48%
Interest Income	293.32M	343M	392.93M	377.86M	3.98M	2.92M	354.94M	336.98M	349.19M	330.34M	305.1M	293.63M	266.18M	252.06M	249.04M	252.25M	236.45M	232.3M	222.81M	178.73M
Interest Expense	1.55M	2.05M	0	524.94M	756.26M	709.01M	503.7M	506.76M	323.64M	248.37M	0	419.89M	332.12M	271.94M	0	0	0	0	0	0
Loan Loss Provision	418.24M	480.37M	498.4M	101.53M	-242.29M	-229.64M	192.83M	59.73M	131.75M	118.04M	131.3M	99.09M	58.42M	19.4M	48.01M	7.42M	51.74M	60.53M	59.72M	25.83M
Non-Interest Income	697.46M	826.02M	1.05B	1.58B	2.27B	1.93B	877.09M	746.43M	594.87M	454.7M	87.8M	678.28M	597.89M	396.64M	217.87M	98.28M	75.3M	175.93M	173.74M	267.13M
Non-Interest Income %	70.51%	70.78%	72.86%	110.24%	149.59%	157.48%	120.43%	129.44%	95.88%	84.73%	22.35%	122.87%	112.4%	105.28%	46.66%	28.04%	24.15%	43.1%	43.81%	59.91%
Total Net Revenue	989.22M	1.17B	1.45B	1.44B	1.52B	1.23B	728.33M	576.65M	620.43M	536.66M	392.9M	552.02M	531.96M	376.76M	466.91M	350.53M	311.75M	408.23M	396.56M	445.86M
Revenue Growth %	-34.78%	-5.01%	98.75%	149.03%	144.49%	128.91%	85.37%	4.46%	16.63%	42.44%	-15.85%	57.48%	70.64%	-7.71%	17.74%	-21.38%	-11.67%	35.66%	173.95%	4541.24%
Non-Interest Expense	376.58M	546.79M	929.28M	972.56M	1.09B	896.29M	44.8M	43.45M	39.73M	34.43M	50.51M	35.46M	29.63M	26.74M	36.35M	40.21M	39.8M	29.88M	51.76M	34.88M
Efficiency Ratio	38.07%	46.86%	64.2%	67.73%	72.1%	72.96%	6.15%	7.54%	6.4%	6.42%	12.85%	6.42%	5.57%	7.1%	7.79%	11.47%	12.77%	7.32%	13.05%	7.82%
Operating Income	194.4M	139.81M	19.9M	361.93M	665.48M	561.85M	490.7M	473.47M	448.94M	384.2M	211.1M	417.47M	443.9M	330.62M	382.54M	302.89M	220.21M	317.82M	285.07M	385.15M
Operating Margin %	19.65%	11.98%	1.38%	25.2%	43.87%	45.73%	67.37%	82.11%	72.36%	71.59%	53.73%	75.63%	83.45%	87.75%	81.93%	86.41%	70.64%	77.85%	71.89%	86.38%
Operating Income Growth %	-70.79%	-75.12%	-95.94%	-23.56%	48.23%	46.24%	132.45%	13.41%	1.14%	16.21%	-44.82%	37.83%	101.58%	4.03%	34.19%	-21.36%	-21.38%	41.61%	132.5%	455.86%
Pretax Income	101.25M	109.48M	40.75M	501.42M	638.81M	574.65M	536.4M	476.17M	504.87M	428.16M	224.63M	421.36M	453.33M	336.91M	349.62M	302.89M	227.94M	320.97M	283.64M	386.7M
Pretax Margin %	10.23%	9.38%	2.81%	34.92%	42.11%	46.78%	73.65%	82.58%	81.37%	79.78%	57.17%	76.33%	85.22%	89.42%	74.88%	86.41%	73.12%	78.62%	71.52%	86.73%
Income Tax	54.4M	71.77M	-15.63M	80.18M	110.8M	116.53M	150.78M	100.33M	89.57M	65.03M	35.66M	74.17M	87.04M	52.56M	74.98M	91.1M	42.24M	181.03M	154.17M	119.46M
Effective Tax Rate %	53.73%	65.55%	-38.36%	15.99%	17.34%	20.28%	28.11%	21.07%	17.74%	15.19%	15.87%	17.6%	19.2%	15.6%	21.45%	30.08%	18.53%	56.4%	54.35%	30.89%
Net Income	46.85M	37.72M	56.38M	421.24M	528.02M	458.13M	385.63M	375.84M	415.3M	363.14M	188.97M	347.19M	366.29M	284.35M	274.64M	211.72M	185.7M	139.93M	129.47M	267.24M
Net Margin %	4.74%	3.23%	3.89%	29.33%	34.81%	37.29%	52.95%	65.18%	66.94%	67.67%	48.1%	62.89%	68.86%	75.47%	58.82%	60.4%	59.57%	34.28%	32.65%	59.94%
Net Income Growth %	-91.13%	-91.77%	-85.38%	12.08%	27.14%	26.16%	104.07%	8.25%	13.38%	27.71%	-31.19%	63.98%	97.25%	103.2%	112.13%	-20.77%	-16.89%	-26.04%	119.75%	336.45%
Net Income (Continuing)	46.85M	37.72M	56.38M	421.24M	528.02M	458.13M	385.63M	375.84M	415.3M	363.14M	188.97M	347.19M	366.29M	284.35M	274.64M	211.72M	185.7M	139.93M	129.47M	267.24M
EPS (Diluted)	7.50	5.76	8.40	60.48	72.00	63.36	48.24	46.44	49.68	43.92	22.92	42.12	45.00	34.92	31.20	23.04	19.80	14.76	15.66	28.08
EPS Growth %	-89.58%	-90.91%	-82.59%	30.23%	44.93%	44.26%	110.47%	10.26%	10.4%	25.77%	-26.54%	82.81%	127.27%	136.59%	99.23%	-17.95%	-16.67%	-28.07%	121.36%	321.8%
EPS (Basic)	7.50	5.76	8.82	63.48	75.54	65.40	49.26	47.34	50.88	44.52	23.34	43.44	45.84	35.52	31.68	23.70	20.16	15.18	15.84	28.92
Diluted Shares Outstanding	6.32M	6.57M	6.62M	6.98M	7.33M	7.25M	8.02M	8.12M	8.35M	8.25M	8.18M	8.25M	8.16M	8.18M	8.83M	9.14M	9.43M	9.43M	9.4M	9.51M