X Financial XYF
Annual
Quarterly
FY2025 · ended Dec 31, 2025 · Revenue $1.09B, +35.8% YoY · Filed Apr 30, 2026
X Financial (XYF) files with the SEC under industry code 6199, Finance Services. In fiscal 2025, which ended Dec 31, 2025, it reported revenue of $1.1 billion and net income of $209.4 million. Free cash flow was $206.7 million. As of Dec 31, 2025 it held $214.9 million in cash and investments and $65.1 million in total debt.
Revenue
$1.09B
+35.8% vs prior year
Net income
$209.43M
-0.7% vs prior year
Operating cash flow
$209.86M
+0.6% vs prior year
Free cash flow
$206.73M
-0.0% vs prior year
EPS
$0.84
+16.7% vs prior year
Dividend per share
$0.09
Shares outstanding
234.52M
-6.4% vs prior year
Net cash
$149.86M
FY 2025
Operating margin
21.3%
FY 2025
Company profile
- Industry
- Finance Services (SIC 6199)
- Listed as
- XYF (NYSE)
- Fiscal year ends
- December 31
- Incorporated in
- Cayman Islands
- Headquarters
- Shenzhen, China
- SEC filer status
- Accelerated filer
- SEC CIK
- 1725033
Other Finance Services companies
Key figures
Fiscal-year totals from the annual reports. Balance sheet lines are as of each year end.
| Line | FY 2025 Dec 31, 2025 |
FY 2024 Dec 31, 2024 |
FY 2023 Dec 31, 2023 |
FY 2022 Dec 31, 2022 |
FY 2021 Dec 31, 2021 |
|---|---|---|---|---|---|
| Revenue | $1.1B | $804.4M | $678.2M | $516.6M | $569.1M |
| Operating income | $233.1M | $256.7M | $202.5M | $156.9M | $205.7M |
| Net income | $209.4M | $211.0M | $167.2M | $117.7M | $129.5M |
| Diluted EPS | $0.84 | $0.72 | $0.57 | $0.37 | $0.38 |
| Operating cash flow | $209.9M | $208.7M | $114.7M | $46.8M | $70.5M |
| Free cash flow | $206.7M | $206.8M | $113.5M | $45.9M | $70.1M |
| Total assets | $2.1B | $1.6B | $1.6B | $1.3B | $1.2B |
| Total liabilities | $976.5M | $666.7M | $817.3M | $592.2M | $528.2M |
| Stockholders' equity | $1.1B | $952.6M | $823.6M | $689.2M | $624.1M |
| Cash and investments | $214.9M | $203.1M | $237.9M | $159.2M | $179.6M |
| Total debt | $65.1M | $50.5M | $7.1M | $9.1M | $3.8M |
Recent SEC filings
| Form | Description | Filed | Period |
|---|---|---|---|
| 6-K | Current report (foreign issuer) | Nov 6, 2026 | Nov 6, 2026 |
| 6-K | Current report (foreign issuer) | Aug 24, 2026 | Aug 24, 2026 |
| 6-K | Current report (foreign issuer) | Jun 17, 2026 | Jun 17, 2026 |
| 6-K | Current report (foreign issuer) | May 27, 2026 | May 27, 2026 |
| 20-F | Annual report (foreign issuer) | Apr 30, 2026 | Dec 31, 2025 |
| 6-K | Current report (foreign issuer) | Mar 25, 2026 | Mar 25, 2026 |
All 167 X Financial SEC filings
Source: SEC EDGAR filings. This is company-reported data, not investment advice.