X Financial (XYF) quarterly income statement — complete revenue, gross profit & net income history
| Net Interest Income | 392.93M | -147.08M | -432.34M | -401.59M | -148.77M | -169.78M | 25.56M | 81.96M | 305.1M | -126.26M | -65.94M | -19.89M |
| NII Growth % | 364.13% | 13.37% | -1791.61% | -589.96% | -148.76% | -34.47% | 138.76% | 512.19% | 22.51% | -150.05% | -127.89% | -108.56% |
| Net Interest Margin % | 2.68% | -1% | -3.16% | -3.32% | -1.26% | -1.46% | 0.21% | 0.68% | 2.62% | -1.13% | -0.63% | -0.21% |
| Interest Income | 392.93M | 377.86M | 323.92M | 307.42M | 354.94M | 336.98M | 349.19M | 330.34M | 305.1M | 293.63M | 266.18M | 252.06M |
| Interest Expense | 0 | 524.94M | 756.26M | 709.01M | 503.7M | 506.76M | 323.64M | 248.37M | 0 | 419.89M | 332.12M | 271.94M |
| Loan Loss Provision | 498.4M | 101.53M | 287.86M | 135.54M | 192.83M | 59.73M | 131.75M | 118.04M | 131.3M | 99.09M | 58.42M | 19.4M |
| Non-Interest Income | 1.05B | 1.58B | 1.44B | 1.14B | 877.09M | 746.43M | 594.87M | 454.7M | 87.8M | 678.28M | 597.89M | 396.64M |
| Non-Interest Income % | 72.86% | 80.73% | 81.59% | 78.8% | 71.19% | 68.9% | 63.01% | 57.92% | 22.35% | 69.79% | 69.19% | 61.14% |
| Total Revenue | 1.45B | 1.96B | 1.76B | 1.45B | 1.23B | 1.08B | 944.06M | 785.04M | 392.9M | 971.91M | 864.08M | 648.7M |
| Revenue Growth % | 17.5% | 81% | 86.37% | 84.74% | 213.57% | 11.47% | 9.26% | 21.02% | -15.85% | 177.27% | 177.17% | 58.91% |
| Non-Interest Expense | 929.28M | 972.56M | 49.32M | 49.81M | 44.8M | 43.45M | 39.73M | 34.43M | 50.51M | 35.46M | 29.63M | 26.74M |
| Efficiency Ratio | 64.2% | 49.6% | 2.8% | 3.43% | 3.64% | 4.01% | 4.21% | 4.39% | 12.85% | 3.65% | 3.43% | 4.12% |
| Operating Income | 19.9M | 361.93M | 665.98M | 555.96M | 490.7M | 473.47M | 448.94M | 384.2M | 211.1M | 417.47M | 443.9M | 330.62M |
| Operating Margin % | 1.38% | 18.46% | 37.85% | 38.33% | 39.83% | 43.7% | 47.55% | 48.94% | 53.73% | 42.95% | 51.37% | 50.97% |
| Operating Income Growth % | -95.94% | -23.56% | 48.35% | 44.71% | 132.45% | 13.41% | 1.14% | 16.21% | -44.82% | 37.83% | 101.58% | 4.03% |
| Pretax Income | 40.75M | 501.42M | 638.81M | 574.65M | 536.4M | 476.17M | 504.87M | 428.16M | 224.63M | 421.36M | 453.33M | 336.91M |
| Pretax Margin % | 2.81% | 25.57% | 36.31% | 39.62% | 43.54% | 43.95% | 53.48% | 54.54% | 57.17% | 43.35% | 52.46% | 51.94% |
| Income Tax | -15.63M | 80.18M | 110.8M | 116.53M | 150.78M | 100.33M | 89.57M | 65.03M | 35.66M | 74.17M | 87.04M | 52.56M |
| Effective Tax Rate % | -38.36% | 15.99% | 17.34% | 20.28% | 28.11% | 21.07% | 17.74% | 15.19% | 15.87% | 17.6% | 19.2% | 15.6% |
| Net Income | 56.38M | 421.24M | 528.02M | 458.13M | 385.63M | 375.84M | 415.3M | 363.14M | 188.97M | 347.19M | 366.29M | 284.35M |
| Net Margin % | 3.89% | 21.48% | 30.01% | 31.59% | 31.3% | 34.69% | 43.99% | 46.26% | 48.1% | 35.72% | 42.39% | 43.83% |
| Net Income Growth % | -85.38% | 12.08% | 27.14% | 26.16% | 104.07% | 8.25% | 13.38% | 27.71% | -31.19% | 63.98% | 97.25% | 103.2% |
| Net Income (Continuing) | 56.38M | 421.24M | 528.02M | 458.13M | 385.63M | 375.84M | 415.3M | 363.14M | 188.97M | 347.19M | 366.29M | 284.35M |
| EPS (Diluted) | 8.40 | 60.48 | 72.00 | 63.36 | 48.24 | 46.44 | 49.68 | 43.92 | 22.92 | 42.12 | 45.00 | 34.92 |
| EPS Growth % | -82.59% | 30.23% | 44.93% | 44.26% | 110.47% | 10.26% | 10.4% | 25.77% | -26.54% | 82.81% | 127.27% | 136.59% |
| EPS (Basic) | 8.82 | 63.48 | 75.54 | 65.40 | 49.26 | 47.34 | 50.88 | 44.52 | 23.34 | 43.44 | 45.84 | 35.52 |
| Diluted Shares Outstanding | 6.62M | 6.98M | 7.33M | 7.25M | 8.02M | 8.12M | 8.35M | 8.25M | 8.18M | 8.25M | 8.16M | 8.18M |