XYF
X FinancialX Financial reported revenue of CNY 7.64B in its most recent fiscal year, up 30.1% on the year before. It kept 19.2% of that as net income, and generated CNY 1.45B of free cash flow. Figures below are compared against other companies classified under Finance Services.
Grades vs. industry
Growth
| Metric | Company | Industry median | Rank |
|---|---|---|---|
Revenue growth (YoY) Latest fiscal year revenue vs. the year before. | 30.1% | 10.8% | 41 / 111 |
Revenue growth (3y) Annualized revenue growth over three fiscal years. | 28.9% | 5.9% | 29 / 92 |
Revenue growth (5y) Annualized revenue growth over five fiscal years. | 28.4% | 13.7% | 28 / 67 |
EPS growth (YoY) Diluted EPS vs. the prior fiscal year. | 11.8% | -91.6% | 10 / 42 |
EPS growth (3y) Annualized diluted EPS growth over three fiscal years. | 32.6% | 15.4% | 4 / 16 |
EPS growth (5y) Annualized diluted EPS growth over five fiscal years. | Not reported | 14.1% | — |
Free cash flow growth (YoY) Operating cash flow less capital expenditure, vs. prior year. | -4.2% | -9.3% | 15 / 31 |
Free cash flow growth (3y) Annualized free cash flow growth over three fiscal years. | 32.6% | -2.6% | 4 / 15 |
top third of peersmiddle thirdbottom third. Rank 1 is always best — for debt and payout ratios that means the lowest figure, not the highest.
“Not reported” means the company did not tag this figure in its filing, not that the value is zero. Rankings are hidden where fewer than 5 classified peers reported the metric, and compare against a broad industry code rather than close competitors.
Profitability
| Metric | Company | Industry median | Rank |
|---|---|---|---|
Gross margin Gross profit as a share of revenue. Often unreported. | 73.6% | 42.4% | 17 / 75 |
Operating margin Operating income as a share of revenue. | 21.3% | -65.2% | 10 / 75 |
Net margin Net income as a share of revenue. | 19.2% | -44.2% | 13 / 97 |
Free cash flow margin Free cash flow as a share of revenue. | 18.9% | -24.8% | 11 / 70 |
Return on equity Net income divided by shareholder equity. | 18.7% | -20.0% | 13 / 120 |
Return on assets Net income divided by total assets. | 10.0% | -12.6% | 10 / 133 |
Return on invested capital After-tax operating profit over debt plus equity less cash. | 18.7% | -18.2% | 8 / 84 |
top third of peersmiddle thirdbottom third. Rank 1 is always best — for debt and payout ratios that means the lowest figure, not the highest.
“Not reported” means the company did not tag this figure in its filing, not that the value is zero. Rankings are hidden where fewer than 5 classified peers reported the metric, and compare against a broad industry code rather than close competitors.
Financial health
| Metric | Company | Industry median | Rank |
|---|---|---|---|
Debt to equity Total debt divided by shareholder equity. | 0.05x | 0.30x | 13 / 59 |
Current ratio Current assets over current liabilities. | Not reported | 2.16x | — |
Quick ratio Current assets excluding inventory, over current liabilities. | Not reported | 2.09x | — |
Interest coverage Operating income divided by interest expense. | Not reported | -13.36x | — |
Net debt to EBITDA Net debt over derived EBITDA. EBITDA is not a GAAP tag; it is computed. | -0.35x | -0.59x | 12 / 20 |
top third of peersmiddle thirdbottom third. Rank 1 is always best — for debt and payout ratios that means the lowest figure, not the highest.
“Not reported” means the company did not tag this figure in its filing, not that the value is zero. Rankings are hidden where fewer than 5 classified peers reported the metric, and compare against a broad industry code rather than close competitors.
Debt figures can be understated where a filer splits borrowings across XBRL tags this site does not match.
Insider activity
Trades reported by officers, directors and 10% shareholders on SEC Form 4. None of the last 2 reported transactions were open-market purchases — grants, option exercises and sales make up the majority of insider filings at most companies.
| Date | Insider | Transaction | Shares | Price | Value |
|---|---|---|---|---|---|
| Aug 1, 2026 | Xue Zheng Director | Conversion | 90,000 | $0.00 | $0.00 |
| Aug 1, 2026 | ZHANG LONGGEN Director | Conversion | 90,000 | $0.00 | $0.00 |
A dash under price or value means none was reported, which is normal for grants and gifts — it does not mean the shares were free. Option exercises and awards are compensation arriving on a schedule, not a judgement about the stock.
Annual financials
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | CNY 7.64B | CNY 5.87B | CNY 4.81B | CNY 3.56B | CNY 3.63B | CNY 2.19B | CNY 3.09B | CNY 3.54B | CNY 1.79B | CNY 230.31M |
| Operating income | CNY 1.63B | CNY 1.87B | CNY 1.46B | CNY 1.21B | CNY 1.31B | -CNY 1.43B | CNY 812.58M | CNY 1.28B | CNY 501.69M | -CNY 136.77M |
| Net income | CNY 1.46B | CNY 1.54B | CNY 1.19B | CNY 812.00M | CNY 825.41M | -CNY 1.31B | CNY 774.28M | CNY 883.11M | CNY 340.28M | -CNY 119.57M |
| EPS (diluted) | CNY 5.87 | CNY 5.25 | CNY 4.08 | CNY 2.52 | CNY 2.45 | -CNY 4.07 | CNY 2.42 | CNY 2.91 | CNY 1.22 | -CNY 0.50 |
| Operating cash flow | CNY 1.47B | CNY 1.52B | CNY 1.39B | CNY 626.78M | CNY 449.17M | -CNY 679.23M | CNY 600.57M | CNY 5.35M | -CNY 615.33M | CNY 82.57M |
| Capital expenditure | CNY 21.88M | CNY 14.22M | CNY 8.47M | CNY 6.06M | CNY 2.62M | CNY 5.37M | CNY 15.14M | CNY 38.63M | CNY 20.65M | CNY 3.42M |
| Free cash flow | CNY 1.45B | CNY 1.51B | CNY 1.38B | CNY 620.73M | CNY 446.55M | -CNY 684.60M | CNY 585.42M | -CNY 33.28M | -CNY 635.97M | CNY 79.14M |
| Total assets | CNY 14.67B | CNY 11.82B | CNY 11.65B | CNY 8.84B | CNY 7.34B | CNY 7.50B | CNY 8.28B | CNY 4.64B | CNY 3.89B | — |
| Shareholder equity | CNY 7.84B | CNY 6.95B | CNY 5.85B | CNY 4.75B | CNY 3.98B | CNY 3.07B | CNY 4.37B | CNY 3.52B | CNY 1.76B | CNY 376.50M |
| Total debt | CNY 409.53M | CNY 328.50M | CNY 565.00M | CNY 50.21M | CNY 166.50M | CNY 350.55M | — | — | — | — |
| Cash | CNY 987.63M | CNY 984.61M | CNY 1.20B | CNY 602.27M | CNY 584.76M | CNY 746.39M | CNY 1.01B | CNY 1.07B | CNY 671.36M | CNY 504.21M |
A dash means the figure was not tagged in that year’s filing. It does not mean zero. Figures reflect the most recent filing covering each period, so restated years show their restated values.
Amounts are in CNY, as the company reports them. Nothing here is converted to dollars, so these figures cannot be compared directly against a company reporting in another currency. Margins, returns and other ratios are unaffected.
Source
Figures come from X Financial’s filings with the SEC, as submitted in XBRL. The most recent annual figures are from a 20-F filed Apr 30, 2026. View filings on EDGAR.