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X Financial American Depositary Shares, each representing six Class A Ordinary Shares (XYF) Financial Statements

X Financial American Depositary Shares, each representing six Class A Ordinary Shares
SIC 8742 · SERVICES-MANAGEMENT CONSULTING SERVICES
FIGI BBG00LVC2NR0
XNYS · usd
5.44▼ 0.09 (-1.63%)
As of 2026-09-08
Valuation
Market Cap
Enterprise Value
Trailing P/E
Price / Sales
EV / Revenue
EV / EBITDA
Financial Highlights
Revenue (TTM)
Net Income (TTM)
EBITDA
Diluted EPS (TTM)
EBITDA Margin
Net Debt
Trading Information
Previous Close5.53
Day's Range5.35 – 5.56
52-Week Range3.30 – 15.58
Volume300.2K
Avg Volume63.3K
Share Statistics
Shares Outstanding
Employees563
ExchangeXNYS
Listed2018-09-19
Share count as of December 31, 2025
Loading Income Statement…
Key questions about X Financial American Depositary Shares, each representing six Class A Ordinary Shares (XYF)
What is X Financial American Depositary Shares, each representing six Class A Ordinary Shares's Market Cap?
X Financial American Depositary Shares, each representing six Class A Ordinary Shares's Market Cap is $2.6B, based on as-reported figures from SEC (XBRL) filings.
What is X Financial American Depositary Shares, each representing six Class A Ordinary Shares's Enterprise Value?
X Financial American Depositary Shares, each representing six Class A Ordinary Shares's Enterprise Value is $2.5B, based on as-reported figures from SEC (XBRL) filings.
What is X Financial American Depositary Shares, each representing six Class A Ordinary Shares's Trailing P/E?
X Financial American Depositary Shares, each representing six Class A Ordinary Shares's Trailing P/E is 12.2×, based on as-reported figures from SEC (XBRL) filings.
What is X Financial American Depositary Shares, each representing six Class A Ordinary Shares's Price / Sales?
X Financial American Depositary Shares, each representing six Class A Ordinary Shares's Price / Sales is 2.3×, based on as-reported figures from SEC (XBRL) filings.
What is X Financial American Depositary Shares, each representing six Class A Ordinary Shares's EV / Revenue?
X Financial American Depositary Shares, each representing six Class A Ordinary Shares's EV / Revenue is 2.3×, based on as-reported figures from SEC (XBRL) filings.
What is X Financial American Depositary Shares, each representing six Class A Ordinary Shares's EV / EBITDA?
X Financial American Depositary Shares, each representing six Class A Ordinary Shares's EV / EBITDA is 10.7×, based on as-reported figures from SEC (XBRL) filings.
What is X Financial American Depositary Shares, each representing six Class A Ordinary Shares's Revenue (TTM)?
X Financial American Depositary Shares, each representing six Class A Ordinary Shares's Revenue (TTM) is $1.1B, based on as-reported figures from SEC (XBRL) filings.
What is X Financial American Depositary Shares, each representing six Class A Ordinary Shares's Net Income (TTM)?
X Financial American Depositary Shares, each representing six Class A Ordinary Shares's Net Income (TTM) is $209.4M, based on as-reported figures from SEC (XBRL) filings.
What is X Financial American Depositary Shares, each representing six Class A Ordinary Shares's EBITDA?
X Financial American Depositary Shares, each representing six Class A Ordinary Shares's EBITDA is $234.7M, based on as-reported figures from SEC (XBRL) filings.
What is X Financial American Depositary Shares, each representing six Class A Ordinary Shares's Diluted EPS (TTM)?
X Financial American Depositary Shares, each representing six Class A Ordinary Shares's Diluted EPS (TTM) is 0.45, based on as-reported figures from SEC (XBRL) filings.
No Quarterly data available for this company — showing Annual instead. This company files annual reports only — foreign private issuers (Form 20-F / 40-F) are not required to file quarterly reports, so no quarterly figures exist to show.
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Income Statement(in millions of USD, except per-share data)
Source: Akyla.ai
Line ItemDec 31, 2024Dec 31, 2023Dec 31, 2022Dec 31, 2021Dec 31, 2020Dec 31, 2019Dec 31, 2018Dec 31, 2017
Net revenues
Total net revenue
YoY growth+22.0%
Operating costs and expenses:
Origination and servicing
Borrower acquisitions and marketing
General and administrative
Sales and marketing—
(Reversal of) provision for contingent guarantee liabilities
Provision for accounts receivable and contract assets
Reversal of provision for loan receivable from Xiaoying Housing Loans
Provision for loans receivable from Xiaoying Credit Loans and other loans
Change in fair value of financial guarantee derivative
Fair value adjustments related to Consolidated Trusts
Provision for (reversal of) credit losses on deposits to institutional cooperators
(Reversal of) provision for credit losses for other financial assets
Total operating expenses
% of revenue68.1%
Income from operations
% of revenue31.9%
Interest income (expenses), net (including RMB412,341, nil and nil from related parties for the year ended December 31, 2022, 2023 and 2024, respectively)
Foreign exchange loss
(Loss) income from financial investments
Impairment losses on financial investments
Other income, net
Income before income taxes
Income tax expense
(Loss) gain from equity in affiliates, net of tax
Gain (loss) from financial investments at equity method, net of tax
Net income
% of revenue26.2%
Less: net income attributable to non-controlling interests
Net income attributable to X Financial
% of revenue26.2%
Less: comprehensive income attributable to non-controlling interests
Comprehensive income attributable to X Financial
Net income per share-basic (in dollars per share)
Net income per share-diluted (in dollars per share)