X Financial (XYF) Revenue History
Annual and quarterly revenue from 2016 to 2024
Compound Annual Growth Rate (CAGR)
Loading revenue history...
XYF Revenue Growth
Revenue Breakdown (FY 2024)
XYF's revenue distribution by segment and geography for fiscal year 2024
By Product/Segment
XYF Revenue Analysis (2016–2024)
As of May 8, 2026, X Financial (XYF) generated trailing twelve-month (TTM) revenue of $6.40 billion, reflecting explosive growth of +81.0% year-over-year. The most recent quarter (Q3 2025) recorded $1.96 billion in revenue, up 11.5% sequentially.
Looking at the longer-term picture, XYF's 5-year compound annual growth rate (CAGR) stands at +35.6%, indicating outstanding long-term growth trajectory. The company achieved its highest annual revenue of $5.87 billion in 2024, representing a new all-time high.
Revenue diversification analysis shows XYF's business is primarily driven by Xiaoying Credit Loan (50%), Loan Facilitation Service (28%), and Financial Service (12%).
When compared to Financial Services sector peers including QFIN, FINV, and LX, XYF has outperformed the peer group in terms of revenue growth. Compare XYF vs QFIN →
XYF Revenue vs Peers
Revenue metrics vs comparable public companies
| Company | TTM Revenue | YoY Growth | 5Y CAGR | Op. Margin | Compare |
|---|---|---|---|---|---|
| XYFCurrent | $6.4B | +81.0% | +35.6% | 31.9% | |
 QFIN | $17.2B | - | - | 43.9% | |
 FINV | $13.1B | - | - | 19.4% | |
 LX | $14.2B | - | - | 16.1% | |
 CNF | $626M | - | - | -11.2% | |
 JFIN | $5.8B | +9.0% | +21.1% | 21.5% |
XYF Historical Revenue Data (2016–2024)
| Year | Revenue | YoY % | Gross Profit | Gross Margin | Op. Income | Op. Margin |
|---|---|---|---|---|---|---|
| 2024 | $5.87B | - | $3.91B | 66.6% | $1.87B | 31.9% |
| 2023 | $3.28B | - | $1.60B | 48.8% | $1.47B | 44.8% |
| 2022 | $2.32B | - | $1.32B | 56.9% | $1.22B | 52.5% |
| 2021 | $1.51B | - | $1.37B | 90.4% | $1.19B | 78.8% |
| 2020 | $-61,501,115 | - | $-1,399,388,991 | 2275.4% | $-1,601,534,136 | 2604.1% |
| 2019 | $1.28B | - | $968.5M | 75.8% | $663.9M | 51.9% |
| 2018 | $2.17B | - | $1.52B | 69.9% | $1.08B | 50.0% |
| 2017 | $1.00B | - | $653.3M | 65.1% | $478.6M | 47.7% |
| 2016 | $-39,168,522 | - | $-47,267,674 | 120.7% | $-147,199,063 | 375.8% |
See XYF's True Return
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorIs XYF Undervalued?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare XYF vs BRK-A
Side-by-side business, growth, and profitability comparison vs Berkshire Hathaway Inc..
Start ComparisonXYF — Frequently Asked Questions
Quick answers to the most common questions about buying XYF stock.
Is XYF's revenue growth accelerating or slowing?
XYF revenue is accelerating at +81.0% year-over-year, exceeding the 5-year CAGR of +35.6%. TTM revenue reached $6.4B. Growth momentum has increased versus prior periods.
What is XYF's long-term revenue growth rate?
X Financial's 5-year revenue CAGR of +35.6% reflects the sustained expansion pattern. Current YoY growth of +81.0% is above this long-term average.
How is XYF's revenue distributed by segment?
XYF reports revenue by product line and geographic region. Annual and quarterly breakdowns from 2016-2024 are available for download. Segment mix reveals concentration and diversification trends.