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X Financial (XYF) Financials

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$13.77 -0.60 (-4.18%)
Closing price 04/25/2025 03:58 PM Eastern
Extended Trading
$13.75 -0.02 (-0.15%)
As of 04/25/2025 07:26 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
Annual Income Statements for X Financial

Annual Income Statements for X Financial

This table shows X Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024
Net Income / (Loss) Attributable to Common Shareholders
-17 52 129 111 -201 130 118 167 211
Consolidated Net Income / (Loss)
-17 52 129 111 -201 130 118 167 211
Net Income / (Loss) Continuing Operations
-17 52 190 111 -201 130 118 167 205
Total Pre-Tax Income
-21 73 158 95 -246 187 177 198 260
Total Operating Income
-20 77 186 117 -220 206 157 202 257
Total Gross Profit
-4.12 158 343 203 19 261 208 274 566
Total Revenue
33 274 515 443 337 569 517 678 804
Operating Revenue
33 274 515 443 337 569 517 678 804
Total Cost of Revenue
37 117 173 240 318 308 308 404 238
Operating Cost of Revenue
37 117 173 235 319 308 308 404 238
Other Cost of Revenue
- - 0.00 5.40 -0.15 -0.19 -0.11 0.01 0.02
Total Operating Expenses
15 81 157 87 239 55 51 71 310
Selling, General & Admin Expense
8.85 15 32 33 28 29 25 26 24
Marketing Expense
5.48 12 30 15 5.48 3.27 2.24 1.77 217
Other Operating Expenses / (Income)
1.16 54 95 39 58 23 24 43 69
Total Other Income / (Expense), net
-1.50 -3.55 -28 -21 -26 -19 20 -4.87 2.82
Interest & Investment Income
-0.87 0.79 0.61 0.98 3.34 3.09 2.29 -4.59 2.27
Other Income / (Expense), net
-0.00 -2.84 -30 -32 -21 -21 19 -0.21 0.55
Income Tax Expense
-3.87 21 -31 -13 -46 58 56 35 56
Other Gains / (Losses), net
0.00 -0.13 1.17 2.51 -1.05 0.52 -3.20 4.67 1.39
Other Adjustments to Consolidated Net Income / (Loss)
- - - - - - - - 5.63
Net Income / (Loss) Attributable to Noncontrolling Interest
-0.09 -0.12 -0.01 0.03 0.01 -0.00 0.00 0.00 0.00
Basic Earnings per Share
($0.50) $1.30 $3.08 $2.47 ($4.07) $0.39 $0.37 $0.08 $0.10
Weighted Average Basic Shares Outstanding
238.10M 261.22M 286.59M 313.76M 321.24M 329.23M 316.44M 288.12M 288.83M
Diluted Earnings per Share
($0.50) $1.22 $2.91 $2.42 ($4.07) $0.38 $0.37 $0.08 $0.10
Weighted Average Diluted Shares Outstanding
238.10M 279.71M 303.98M 319.75M 321.24M 336.88M 322.40M 290.83M 293.35M
Weighted Average Basic & Diluted Shares Outstanding
- - 607.23M 641.34M 646.24M 658.24M 575.84M 587.11M 501.36M

Quarterly Income Statements for X Financial

No quarterly income statements for X Financial are available.


Annual Cash Flow Statements for X Financial

This table details how cash moves in and out of X Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024
Net Change in Cash & Equivalents
20 28 86 -397 12 -95 2.16 132 -56
Net Cash From Operating Activities
12 -94 0.78 86 -104 70 47 115 209
Net Cash From Continuing Operating Activities
12 -94 0.78 86 -104 70 47 115 193
Net Income / (Loss) Continuing Operations
-17 52 129 111 -201 130 118 167 211
Consolidated Net Income / (Loss)
-17 52 129 111 -201 130 118 167 211
Depreciation Expense
0.44 0.82 1.40 1.63 1.83 1.28 0.96 0.74 0.99
Non-Cash Adjustments To Reconcile Net Income
8.62 -239 8.61 74 38 -119 -62 -19 -54
Changes in Operating Assets and Liabilities, net
20 91 -138 -101 58 59 -9.48 -35 35
Net Cash From Investing Activities
-105 -1.66 60 -442 -570 -368 -132 -156 17
Net Cash From Continuing Investing Activities
-105 -1.66 60 -442 -570 -368 -133 -156 17
Purchase of Property, Plant & Equipment
-0.49 -3.17 -5.62 -2.17 -0.83 -0.41 -0.88 -1.19 -1.95
Purchase of Investments
-3.05 -8.44 -33 0.00 -1.46 -489 -1,094 -1,340 -1,801
Sale of Property, Plant & Equipment
0.00 0.00 0.00 0.02 0.01 0.04 0.00 0.00 0.01
Sale and/or Maturity of Investments
0.00 2.53 - 0.00 0.00 35 0.99 0.00 54
Other Investing Activities, net
-102 7.42 98 -440 -568 85 961 1,185 1,766
Net Cash From Financing Activities
111 127 26 389 691 204 84 173 -265
Net Cash From Continuing Financing Activities
111 127 26 -42 691 204 84 173 -265
Repayment of Debt
-47 -60 0.00 -58 -25 -71 -24 -43 -51
Repurchase of Common Equity
- - - - 0.00 0.00 -21 -3.50 -25
Payment of Dividends
- 0.00 0.00 -15 0.00 -0.19 0.00 -8.23 -16
Issuance of Debt
47 44 29 29 79 42 10 113 18
Other Financing Activities, net
111 -9.70 -106 0.87 637 233 119 115 -192
Cash Interest Paid
- 0.00 0.00 0.50 1.75 1.05 0.29 3.27 3.31
Cash Income Taxes Paid
0.00 0.02 44 6.18 17 4.86 5.42 14 40

Quarterly Cash Flow Statements for X Financial

No quarterly cash flow statements for X Financial are available.


Annual Balance Sheets for X Financial

This table presents X Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2017 2018 2019 2020 2021 2022 2023 2024
Total Assets
597 675 1,189 1,153 1,152 1,281 1,641 1,619
Total Current Assets
286 456 534 308 189 266 281 232
Cash & Equivalents
103 156 144 115 92 87 168 135
Restricted Cash
- 30 74 131 64 - 106 93
Prepaid Expenses
13 17 102 62 33 10 6.87 4.67
Plant, Property, & Equipment, net
3.22 3.38 2.89 1.71 0.97 0.85 1.22 2.17
Total Noncurrent Assets
307 211 294 836 962 1,014 1,359 1,385
Long-Term Investments
8.31 42 42 46 101 100 155 139
Noncurrent Note & Lease Receivables
148 111 96 190 392 554 698 661
Intangible Assets
0.25 4.13 5.04 5.76 5.78 5.30 5.18 5.01
Noncurrent Deferred & Refundable Income Taxes
45 50 67 93 43 13 19 27
Other Noncurrent Operating Assets
105 3.90 84 501 421 343 481 553
Total Liabilities & Shareholders' Equity
597 675 1,189 1,153 1,152 1,281 1,641 1,619
Total Liabilities
326 163 562 680 528 592 817 667
Total Current Liabilities
95 156 124 87 156 130 244 266
Short-Term Debt
0.00 29 0.00 - - 10 80 45
Accrued Expenses
21 26 39 50 42 69 81 127
Dividends Payable
- - - - - 0.00 8.34 0.00
Current Deferred & Payable Income Tax Liabilities
62 45 49 12 18 39 63 81
Other Current Liabilities
12 36 20 25 96 9.23 12 13
Total Noncurrent Liabilities
231 6.90 438 593 372 462 573 400
Long-Term Debt
- - - 360 367 - 41 38
Noncurrent Deferred & Payable Income Tax Liabilities
0.00 6.90 0.19 - 0.00 0.10 4.23 9.04
Other Noncurrent Operating Liabilities
231 0.00 438 234 5.18 462 528 353
Commitments & Contingencies
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests
271 512 627 473 624 689 824 953
Total Preferred & Common Equity
270 512 627 473 624 689 824 953
Total Common Equity
270 512 627 473 624 689 824 953
Common Stock
303 411 429 472 496 463 450 439
Retained Earnings
-37 93 188 -2.24 127 235 379 572
Treasury Stock
- - - - 0.00 -18 -16 -70
Accumulated Other Comprehensive Income / (Loss)
5.13 7.64 9.63 3.24 0.99 9.22 9.79 11

Quarterly Balance Sheets for X Financial

No quarterly balance sheets for X Financial are available.


Annual Metrics and Ratios for X Financial

This table displays calculated financial ratios and metrics derived from X Financial's official financial filings.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024
Growth Metrics
- - - - - - - - -
Revenue Growth
0.00% 730.31% 87.95% -13.97% -23.93% 68.72% -9.22% 31.28% 18.62%
EBITDA Growth
0.00% 490.93% 109.29% -44.70% -375.48% 177.90% -4.94% 14.71% 23.24%
EBIT Growth
0.00% 477.99% 109.73% -45.26% -382.92% 176.78% -4.81% 14.92% 23.21%
NOPAT Growth
0.00% 498.78% 304.65% -39.95% -215.76% 192.23% -24.68% 55.63% 19.14%
Net Income Growth
0.00% 402.30% 146.73% -13.49% -280.98% 164.36% -9.11% 41.98% 26.21%
EPS Growth
0.00% 344.00% 146.73% -13.49% -268.18% 109.45% -4.97% -78.02% -82.84%
Operating Cash Flow Growth
0.00% -897.52% 100.83% 10,964.63% -221.16% 167.47% -33.62% 145.09% 6.49%
Free Cash Flow Firm Growth
0.00% 0.00% 168.99% 498.41% -256.68% 91.31% 657.95% -52.75% -65.09%
Invested Capital Growth
0.00% 0.00% 93.49% -97.09% 5,823.56% 37.70% -30.23% 2.17% 27.99%
Revenue Q/Q Growth
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EBITDA Q/Q Growth
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EBIT Q/Q Growth
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
NOPAT Q/Q Growth
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Net Income Q/Q Growth
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS Q/Q Growth
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Cash Flow Q/Q Growth
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow Firm Q/Q Growth
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Invested Capital Q/Q Growth
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Profitability Metrics
- - - - - - - - -
Gross Margin
-12.48% 57.46% 66.50% 45.84% 5.58% 45.90% 40.33% 40.39% 70.40%
EBITDA Margin
-58.07% 27.34% 30.45% 19.57% -70.86% 32.72% 34.26% 29.94% 32.10%
Operating Margin
-59.39% 28.08% 36.02% 26.31% -65.22% 36.15% 30.38% 29.86% 31.91%
EBIT Margin
-59.40% 27.04% 30.17% 19.20% -71.40% 32.49% 34.07% 29.83% 31.98%
Profit (Net Income) Margin
-52.18% 19.00% 24.94% 25.08% -59.67% 22.76% 22.79% 24.65% 26.23%
Tax Burden Percent
81.65% 70.94% 81.39% 116.65% 81.70% 69.32% 66.37% 84.58% 81.29%
Interest Burden Percent
107.60% 99.04% 101.55% 111.98% 102.28% 101.06% 100.78% 97.69% 100.88%
Effective Tax Rate
0.00% 28.89% -19.35% -14.02% 0.00% 30.97% 31.82% 17.78% 21.42%
Return on Invested Capital (ROIC)
0.00% 68.61% 94.59% 83.72% -56.81% 22.42% 17.17% 32.16% 33.82%
ROIC Less NNEP Spread (ROIC-NNEP)
0.00% 73.37% 153.71% 89.04% -39.87% 7.71% -14.94% 31.88% 30.65%
Return on Net Nonoperating Assets (RNNOA)
0.00% -30.15% -61.76% -64.20% 20.22% 1.20% 0.76% -10.06% -10.06%
Return on Equity (ROE)
0.00% 38.46% 32.83% 19.52% -36.59% 23.61% 17.93% 22.10% 23.76%
Cash Return on Invested Capital (CROIC)
0.00% -131.39% 30.88% 272.39% -250.17% -9.30% 52.78% 30.02% 9.26%
Operating Return on Assets (OROA)
0.00% 12.43% 24.46% 9.13% -20.57% 16.04% 14.47% 13.84% 15.78%
Return on Assets (ROA)
0.00% 8.73% 20.22% 11.93% -17.19% 11.24% 9.68% 11.44% 12.94%
Return on Common Equity (ROCE)
0.00% 38.39% 32.80% 19.52% -36.57% 23.61% 17.93% 22.10% 23.76%
Return on Equity Simple (ROE_SIMPLE)
0.00% 19.26% 25.11% 17.74% -42.56% 20.76% 17.08% 20.30% 22.15%
Net Operating Profit after Tax (NOPAT)
-14 55 222 133 -154 142 107 166 202
NOPAT Margin
-41.57% 19.97% 42.99% 30.00% -45.66% 24.96% 20.71% 24.55% 25.08%
Net Nonoperating Expense Percent (NNEP)
0.00% -4.76% -59.12% -5.32% -16.94% 14.70% 32.11% 0.28% 3.17%
Return On Investment Capital (ROIC_SIMPLE)
- - - - - - - - 19.47%
Cost of Revenue to Revenue
112.48% 42.54% 33.50% 54.16% 94.42% 54.10% 59.67% 59.61% 29.60%
SG&A Expenses to Revenue
26.80% 5.50% 6.21% 7.37% 8.17% 5.18% 4.81% 3.87% 3.00%
R&D to Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue
46.90% 29.39% 30.49% 19.53% 70.81% 9.75% 9.95% 10.54% 38.48%
Earnings before Interest and Taxes (EBIT)
-20 74 155 85 -241 185 176 202 257
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
-19 75 157 87 -239 186 177 203 258
Valuation Ratios
- - - - - - - - -
Price to Book Value (P/BV)
0.00 0.39 0.25 0.25 0.14 0.46 0.43 0.39 0.86
Price to Tangible Book Value (P/TBV)
0.00 0.39 0.25 0.25 0.14 0.47 0.43 0.40 0.86
Price to Revenue (P/Rev)
3.16 0.38 0.25 0.35 0.19 0.51 0.57 0.48 1.01
Price to Earnings (P/E)
0.00 2.00 0.99 1.42 0.00 2.22 2.50 1.94 3.86
Dividend Yield
0.00% 0.00% 0.00% 6.43% 0.00% 0.00% 0.00% 5.03% 6.12%
Earnings Yield
0.00% 49.97% 100.93% 70.67% 0.00% 45.02% 40.04% 51.55% 25.88%
Enterprise Value to Invested Capital (EV/IC)
0.00 0.00 0.00 0.00 0.25 0.54 0.23 0.03 0.79
Enterprise Value to Revenue (EV/Rev)
0.00 0.00 0.00 0.00 0.39 0.70 0.23 0.02 0.66
Enterprise Value to EBITDA (EV/EBITDA)
0.00 0.00 0.00 0.00 0.00 2.14 0.66 0.08 2.06
Enterprise Value to EBIT (EV/EBIT)
0.00 0.00 0.00 0.00 0.00 2.15 0.66 0.08 2.07
Enterprise Value to NOPAT (EV/NOPAT)
0.00 0.00 0.00 0.00 0.00 2.80 1.09 0.09 2.64
Enterprise Value to Operating Cash Flow (EV/OCF)
0.00 0.00 0.00 0.00 0.00 5.64 2.50 0.14 2.55
Enterprise Value to Free Cash Flow (EV/FCFF)
0.00 0.00 0.00 0.00 0.00 0.00 0.36 0.10 9.64
Leverage & Solvency
- - - - - - - - -
Debt to Equity
0.00 0.00 0.06 0.00 0.76 0.59 0.01 0.15 0.09
Long-Term Debt to Equity
0.00 0.00 0.00 0.00 0.76 0.59 0.00 0.05 0.04
Financial Leverage
0.00 -0.41 -0.40 -0.72 -0.51 0.16 -0.05 -0.32 -0.33
Leverage Ratio
0.00 2.20 1.62 1.64 2.13 2.10 1.85 1.93 1.84
Compound Leverage Factor
0.00 2.18 1.65 1.83 2.18 2.12 1.87 1.89 1.85
Debt to Total Capital
0.00% 0.00% 5.33% 0.00% 43.18% 37.01% 1.46% 12.75% 8.05%
Short-Term Debt to Total Capital
0.00% 0.00% 5.33% 0.00% 0.00% 0.00% 1.46% 8.43% 4.34%
Long-Term Debt to Total Capital
0.00% 0.00% 0.00% 0.00% 43.18% 37.01% 0.00% 4.32% 3.70%
Preferred Equity to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital
0.00% 0.18% 0.03% 0.03% 0.02% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital
0.00% 99.82% 94.64% 99.97% 56.79% 63.00% 98.54% 87.25% 91.95%
Debt to EBITDA
0.00 0.00 0.18 0.00 -1.50 1.97 0.06 0.59 0.32
Net Debt to EBITDA
0.00 0.00 -1.27 0.00 -0.28 0.59 -1.00 -1.52 -1.10
Long-Term Debt to EBITDA
0.00 0.00 0.00 0.00 -1.50 1.97 0.00 0.20 0.15
Debt to NOPAT
0.00 0.00 0.13 0.00 -2.34 2.58 0.10 0.72 0.41
Net Debt to NOPAT
0.00 0.00 -0.90 0.00 -0.44 0.77 -1.65 -1.85 -1.40
Long-Term Debt to NOPAT
0.00 0.00 0.00 0.00 -2.34 2.58 0.00 0.25 0.19
Altman Z-Score
0.00 1.36 2.72 1.41 -0.11 1.54 1.54 1.41 2.22
Noncontrolling Interest Sharing Ratio
0.00% 0.18% 0.08% 0.03% 0.03% 0.02% 0.00% 0.00% 0.00%
Liquidity Ratios
- - - - - - - - -
Current Ratio
0.00 3.02 2.92 4.31 3.54 1.21 2.04 1.15 0.87
Quick Ratio
0.00 2.89 2.29 2.06 1.32 0.59 1.96 0.69 0.51
Cash Flow Metrics
- - - - - - - - -
Free Cash Flow to Firm (FCFF)
0.00 -105 72 433 -678 -59 329 155 55
Operating Cash Flow to CapEx
2,416.83% -2,980.90% 13.86% 3,996.38% -12,849.47% 18,846.95% 5,334.21% 9,634.42% 10,792.55%
Free Cash Flow to Firm to Interest Expense
0.00 -70.07 0.00 0.00 -76.84 -51.70 367.77 2,077.09 0.00
Operating Cash Flow to Interest Expense
18.94 -63.11 0.00 0.00 -11.84 61.81 52.32 1,532.64 0.00
Operating Cash Flow Less CapEx to Interest Expense
18.16 -65.22 0.00 0.00 -11.93 61.48 51.34 1,516.73 0.00
Efficiency Ratios
- - - - - - - - -
Asset Turnover
0.00 0.46 0.81 0.48 0.29 0.49 0.42 0.46 0.49
Accounts Receivable Turnover
0.00 1.61 2.77 2.84 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
0.00 85.07 156.12 141.42 146.51 424.06 567.39 656.16 475.09
Accounts Payable Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Days Sales Outstanding (DSO)
0.00 226.92 131.74 128.58 0.00 0.00 0.00 0.00 0.00
Days Inventory Outstanding (DIO)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Days Payable Outstanding (DPO)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Cash Conversion Cycle (CCC)
0.00 226.92 131.74 128.58 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics
- - - - - - - - -
Invested Capital
0.00 160 309 9.00 533 734 512 523 670
Invested Capital Turnover
0.00 3.44 2.20 2.79 1.24 0.90 0.83 1.31 1.35
Increase / (Decrease) in Invested Capital
0.00 160 149 -300 524 201 -222 11 146
Enterprise Value (EV)
0.00 -6.34 -71 -103 133 398 117 16 532
Market Capitalization
105 105 127 157 66 288 294 324 815
Book Value per Share
$0.00 $1.04 $1.79 $1.03 $0.74 $0.97 $1.05 $1.43 $1.62
Tangible Book Value per Share
$0.00 $1.03 $1.77 $1.02 $0.73 $0.96 $1.04 $1.42 $1.61
Total Capital
0.00 271 541 627 833 991 699 944 1,036
Total Debt
0.00 0.00 29 0.00 360 367 10 120 83
Total Long-Term Debt
0.00 0.00 0.00 0.00 360 367 0.00 41 38
Net Debt
0.00 -111 -199 -260 67 110 -177 -309 -283
Capital Expenditures (CapEx)
0.49 3.17 5.62 2.16 0.81 0.37 0.88 1.19 1.93
Debt-free, Cash-free Net Working Capital (DFCFNWC)
0.00 88 143 192 -25 -123 59 -158 -217
Debt-free Net Working Capital (DFNWC)
0.00 191 329 410 221 33 146 116 11
Net Working Capital (NWC)
0.00 191 300 410 221 33 136 37 -34
Net Nonoperating Expense (NNE)
3.50 2.65 93 22 47 13 -11 -0.66 -9.24
Net Nonoperating Obligations (NNO)
0.00 -111 -203 -618 60 110 -177 -300 -283
Total Depreciation and Amortization (D&A)
0.44 0.82 1.40 1.63 1.83 1.28 0.96 0.74 0.99
Debt-free, Cash-free Net Working Capital to Revenue
0.00% 32.27% 27.76% 43.26% -7.35% -21.61% 11.32% -23.25% -26.94%
Debt-free Net Working Capital to Revenue
0.00% 69.84% 63.85% 92.49% 65.55% 5.75% 28.23% 17.13% 1.36%
Net Working Capital to Revenue
0.00% 69.84% 58.26% 92.49% 65.55% 5.75% 26.26% 5.40% -4.24%
Earnings Adjustments
- - - - - - - - -
Adjusted Basic Earnings per Share
$0.00 $0.00 $1.35 $1.05 ($0.62) $0.39 $0.37 $0.08 $0.10
Adjusted Weighted Average Basic Shares Outstanding
0.00 0.00 95.53M 104.59M 321.24M 329.23M 316.44M 288.12M 288.83M
Adjusted Diluted Earnings per Share
$0.00 $0.00 $1.26 $1.05 ($0.62) $0.38 $0.37 $0.08 $0.10
Adjusted Weighted Average Diluted Shares Outstanding
0.00 0.00 101.33M 106.58M 321.24M 336.88M 322.40M 290.83M 293.35M
Adjusted Basic & Diluted Earnings per Share
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding
0.00 0.00 202.41M 213.78M 646.24M 658.24M 575.84M 587.11M 501.36M
Normalized Net Operating Profit after Tax (NOPAT)
-14 55 130 82 -51 142 107 166 202
Normalized NOPAT Margin
-41.57% 19.97% 25.21% 18.42% -15.01% 24.96% 20.71% 24.55% 25.08%
Pre Tax Income Margin
-63.91% 26.78% 30.64% 21.50% -73.03% 32.84% 34.34% 29.14% 32.26%
Debt Service Ratios
- - - - - - - - -
EBIT to Interest Expense
-31.39 49.56 0.00 0.00 -27.29 162.16 196.82 2,703.68 0.00
NOPAT to Interest Expense
-21.97 36.59 0.00 0.00 -17.45 124.55 119.62 2,225.33 0.00
EBIT Less CapEx to Interest Expense
-32.17 47.44 0.00 0.00 -27.38 161.83 195.84 2,687.78 0.00
NOPAT Less CapEx to Interest Expense
-22.75 34.47 0.00 0.00 -17.54 124.22 118.64 2,209.42 0.00
Payout Ratios
- - - - - - - - -
Dividend Payout Ratio
0.00% 0.00% 0.00% 13.32% 0.00% 0.15% 0.00% 4.92% 7.57%
Augmented Payout Ratio
0.00% 0.00% 0.00% 13.32% 0.00% 0.15% 18.07% 7.02% 19.41%

Quarterly Metrics and Ratios for X Financial

No quarterly metrics and ratios for X Financial are available.


Frequently Asked Questions About X Financial's Financials

When does X Financial's financial year end?

According to the most recent income statement we have on file, X Financial's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has X Financial's net income changed over the last 8 years?

X Financial's net income appears to be on an upward trend, with a most recent value of $210.97 million in 2024, falling from -$17.23 million in 2016. The previous period was $167.16 million in 2023.

What is X Financial's operating income?
X Financial's total operating income in 2024 was $256.71 million, based on the following breakdown:
  • Total Gross Profit: $566.29 million
  • Total Operating Expenses: $309.58 million
How has X Financial revenue changed over the last 8 years?

Over the last 8 years, X Financial's total revenue changed from $33.02 million in 2016 to $804.43 million in 2024, a change of 2,336.0%.

How much debt does X Financial have?

X Financial's total liabilities were at $666.66 million at the end of 2024, a 18.4% decrease from 2023, and a 104.7% increase since 2017.

How much cash does X Financial have?

In the past 7 years, X Financial's cash and equivalents has ranged from $87.32 million in 2022 to $168.36 million in 2023, and is currently $134.89 million as of their latest financial filing in 2024.

How has X Financial's book value per share changed over the last 8 years?

Over the last 8 years, X Financial's book value per share changed from 0.00 in 2016 to 1.62 in 2024, a change of 162.3%.



This page (NYSE:XYF) was last updated on 4/26/2025 by MarketBeat.com Staff
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