XYF · X Financial · Financials
Income-statement, balance-sheet and cash-flow figures from SEC filings, plus a debt profile anchored in the latest 10-K and updated by each 10-Q and debt exhibit.
Chart any reported metric, KPI or segment over time — the full statement history lives here
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| USD/shares | $0.86 | $0.73 | $0.58 | $0.37 | $0.39 | -$0.62 | $1.05 | $1.35 | — | — |
| USD/shares | $0.84 | $0.72 | $0.57 | $0.37 | $0.38 | -$0.62 | $1.05 | $1.26 | — | — |
| shares | 243.98M | 288.83M | 288.12M | 316.44M | 329.23M | 321.24M | 313.76M | 286.59M | 87.07M | 79.37M |
| shares | 249.49M | 293.35M | 290.83M | 322.4M | 336.88M | 321.24M | 319.75M | 303.98M | 93.24M | 79.37M |
Capital Returned to Shareholders
Cash spent on share repurchases and dividends per fiscal year, as reported on the cash-flow statement. Across FY2019–FY2025: 1.09B in buybacks, 433.01M in dividends.
Debt Profile
Reported borrowing balances, repayment dates and agreement terms, with links to the underlying filings.
Reported debt balances
Each amount keeps its reported scope. Related balance-sheet measures appear under the borrowing they describe.
| Reported balance | As of | Amount | Source |
|---|---|---|---|
| Operating lease liabilities | 2025-12-31 | CNY 45,664,329 | 20-F filed 2026-04-30 |
Related accounting measures — not additional borrowingCarrying amounts can reflect issuance costs or discounts. Differences between these measures are not necessarily repayments due within a year.
| |||
| Operating lease liabilities | 2025-12-31 | USD 6,529,913 | 20-F filed 2026-04-30 |
Related accounting measures — not additional borrowingCarrying amounts can reflect issuance costs or discounts. Differences between these measures are not necessarily repayments due within a year.
| |||
| Short-term borrowings | 2025-12-31 | CNY 409,530,006 | 20-F filed 2026-04-30 |
| Short-term borrowings | 2025-12-31 | USD 58,562,012 | 20-F filed 2026-04-30 |
Covenants
Covenant terms have not yet been verified for this profile.
The balance figures do not establish whether covenants apply or whether the company complies with them.
Loans, facilities and notes
The instrument breakdown is not yet verified. Read the debt note in the linked report for borrowing terms and maturity conditions.
Revenue Breakdown
Annual revenue as the company disaggregates it in its own XBRL filings. Years a component wasn't reported show a dash.
Share mode is each component's slice of the reported components that year — issuers rarely tag every revenue dollar, so slices need not sum to total revenue.
By Product & Service (CNY)
| Component | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|
| Loan Facilitation Service | 3,843,004,896 | 3,102,344,942 | 2,740,974,233 | 2,044,343,554 | 2,545,592,949 | — | — |
| Financial Service | 1,396,975,778 | 1,372,004,085 | 1,137,336,454 | 966,277,466 | 671,901,495 | 612,863,477 | 408,400,792 |
| Post Origination Service | 1,074,453,821 | 759,538,640 | 596,581,987 | 372,450,606 | 315,590,118 | 203,841,829 | 330,695,212 |
| Service Other | 688,417,782 | 436,178,287 | 315,494,698 | 179,878,489 | 93,380,543 | 68,346,567 | 124,083,594 |
| Guarantees | 636,572,154 | 201,715,792 | 24,496,658 | — | — | — | — |
| Guarantee Income | 636,572,154 | 201,715,792 | 24,496,658 | 0 | 0 | — | — |
| Loan Facilitation Service Direct Model | — | — | — | — | — | 1,266,532,773 | 1,986,003,343 |
| Loan Facilitation Service Intermediary Model | — | — | — | — | — | 41,372,812 | 238,867,054 |