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XYF: financial statements from SEC — TradeAlmanac

XYF

X Financial: financial statements

Company reports as filed with the U.S. Securities and Exchange Commission.

AnnualQuarterly

Income statement

Metric	31/12/2025	31/12/2024	31/12/2023	31/12/2022	31/12/2021
Revenue	7.64B	5.87B	4.81B	3.56B	3.63B
Cost of revenue	2.02B	1.74B	1.54B	1.34B	1.96B
Selling, general and administrative	200M	24M	154M	143M	188M
Operating expenses	6.01B	4.00B	3.35B	2.35B	2.32B
Operating income	1.63B	257M	1.46B	1.21B	1.31B
Pre-tax income	1.75B	260M	1.47B	1.22B	1.19B
Income tax	292M	56M	261M	396M	369M
Net income	1.46B	1.54B	1.19B	812M	825M
Earnings per share	6.00	0.73	4.12	2.57	2.51
Earnings per share, diluted	5.87	0.72	4.08	2.52	2.45
Weighted average shares	244M	289M	288M	316M	329M
Weighted average shares, diluted	249M	293M	291M	322M	337M

Balance sheet

Metric	19/08/2026	18/08/2026	31/12/2025	31/12/2024	31/12/2023	31/12/2022	31/12/2021	31/12/2020
Cash and equivalents	—	—	988M	985M	1.20B	602M	992M	1.60B
Property, plant and equipment	—

Cash flow

Metric	31/12/2025	31/12/2024	31/12/2023	31/12/2022	31/12/2021
Operating cash flow	1.47B	1.52B	1.39B	627M	449M
Depreciation and amortisation	11M	986,228	5M	7M	8M
Share-based compensation	61M	6M

Amounts in USD unless stated otherwise. Data: US exchange trading and company filings with the regulator