X Financial (XYF)

5.54 +2.59% (+0.14)

Over 3Y: +78.9%

2026-08-28
Style
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5 10 15
2023 2024 2025 2026

Financials Annual

Figures
Revenue Gross Profit Operating Income Cost of Revenue Operating Cash Flow Free Cash Flow Net Income

A share count and earnings a share are not here: neither is money, so neither can share this axis. Both have their own panel on All charts.

All charts ›
FY21 — Revenue: 569.1M FY21 — Operating Cash Flow: 70.5M FY21 — Free Cash Flow: 70.1M FY21 — Net Income: 129.5M FY22 — Revenue: 516.6M FY22 — Operating Cash Flow: 46.8M FY22 — Free Cash Flow: 45.9M FY22 — Net Income: 117.7M FY23 — Revenue: 678.2M FY23 — Operating Cash Flow: 114.7M FY23 — Free Cash Flow: 113.5M FY23 — Net Income: 167.2M FY24 — Revenue: 804.4M FY24 — Operating Cash Flow: 208.7M FY24 — Free Cash Flow: 206.8M FY24 — Net Income: 211M FY25 — Revenue: 1.1B FY25 — Operating Cash Flow: 209.9M FY25 — Free Cash Flow: 206.7M FY25 — Net Income: 209.4M 0 250M 500M 750M 1B 1.2B
FY21 FY22 FY23 FY24 FY25
Revenue Operating Cash Flow Free Cash Flow Net Income

Figures as at 2025-12-31, reported in USD. The newest fact in the filings is dated 2026-12-31, -123 days ago. Nothing on this page is advice.

How it scores

Five questions, each answered by the measures under it. Every figure is the company's own; the bar beside it is where that figure sits among the companies read here — the top fifth, the bottom fifth, or somewhere between. Not among all listed companies, and for a valuation multiple the low end is the good end.

Quality

How much of the revenue is really kept — and what did it take to earn it?

5.6
OE margin 18.1%
Oper. margin 21.3%
ROIC 18.8%
Accruals -0.02%
Gross margin 73.6%
ROA 10.0%
FCF margin 18.9%
OCF margin 19.2%
ROE 18.7%
OCF / EBIT 0.9×
ROCE —

5 of 17 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Valuation

What does the price ask for what the company earns, owns and pays out?

0.5
Div. yield —
EV/EBIT —
EV/GP —
EV/OE —
EV/Sales —
FCF yield —
Fwd P/E —
P/B —
P/C —
P/E —
PEG —

0 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Durability

How predictable is the revenue, and how much of it is already committed?

1.9
RPO / sales 0.037×
RPO growth -29.8%
Segment HHI —

4 of 7 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Resilience

Can the balance sheet absorb a bad year?

9.5
ND/EBITDA —
Debt / Eq 0.0×
Debt payback 0.0 yr
F-score 7.7 pts
Payout 10.6%
Cash / Debt —
Cash runway —
Current ratio —
Quick ratio —

2 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Growth

Is the business getting bigger, and is it getting more profitable?

3.8
Sales/sh Y/Y +59.7%
Sales CAGR 4Y +17.7%
Div. growth +38.5%
EPS CAGR 4Y +21.9%
Shares change -15.0%
EPS Y/Y +16.7%
EBIT CAGR +3.2%
EBIT Y/Y -9.2%
EPS next Y —
Sales Q/Q —

4 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

A measure absent from a block could not be computed from this company's filings. It is left out rather than scored as though it were bad, and the dimension is averaged over what remains. A score is measured against a fixed scale this model states; the bar is measured against the other companies, so the two can disagree — and where they do, that disagreement is the more interesting figure.