US Stock MarketDetailed Quotes

X Financial (XYF)

Watchlist
  • 4.540
  • -0.260-5.42%
Close May 13 15:59 ET
  • 4.570
  • +0.030+0.66%
Pre 07:59 ET
174.86MMarket Cap0.88P/E (TTM)

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

X Financial (XYF) Balance Sheet

Quarterly+Annual
YOY yoy
Hide blank lines yoy
(FY)Dec 31, 2025
(Q4)Dec 31, 2025
(Q3)Sep 30, 2025
(Q2)Jun 30, 2025
(Q1)Mar 31, 2025
(FY)Dec 31, 2024
(Q4)Dec 31, 2024
(Q3)Sep 30, 2024
(Q2)Jun 30, 2024
(Q1)Mar 31, 2024
Assets
Current assets
Cash, cash equivalents and short term investments
0.31%987.63M
0.31%987.63M
-14.68%890.85M
-28.48%1.15B
-1.67%1.39B
-17.63%984.61M
-17.63%984.61M
-26.87%1.04B
22.10%1.61B
53.40%1.41B
-Cash and cash equivalents
0.31%987.63M
0.31%987.63M
-14.68%890.85M
-28.48%1.15B
-1.67%1.39B
-17.63%984.61M
-17.63%984.61M
-26.87%1.04B
22.10%1.61B
53.40%1.41B
Receivables
23.02%8.46B
23.02%8.46B
30.54%8.69B
23.96%8.18B
-4.71%6.62B
3.54%6.88B
3.54%6.88B
6.07%6.65B
13.55%6.6B
34.49%6.95B
-Accounts receivable
55.01%3.15B
55.01%3.15B
79.34%3.07B
109.26%3.16B
50.52%2.41B
22.29%2.03B
22.29%2.03B
-1.81%1.71B
1.16%1.51B
25.90%1.6B
-Loans receivable
9.74%5.3B
9.74%5.3B
13.67%5.62B
-1.37%5.02B
-21.24%4.21B
-2.59%4.83B
-2.59%4.83B
9.09%4.94B
17.84%5.09B
37.29%5.35B
-Taxes receivable
-21.36%14.09M
-21.36%14.09M
----
----
----
-27.01%17.92M
-27.01%17.92M
----
----
----
-Other receivables
----
----
----
----
----
-27.01%17.92M
-27.01%17.92M
----
----
----
Prepaid assets
100.53%21.41M
100.53%21.41M
20.34%2.09B
34.76%2.14B
33.23%2.13B
26.75%10.68M
26.75%10.68M
-4.89%1.74B
-9.68%1.59B
-15.32%1.6B
Restricted cash
8.52%2.86B
8.52%2.86B
34.69%659.11M
33.55%788.22M
-8.26%712.35M
7.49%2.64B
7.49%2.64B
-18.40%489.37M
-0.76%590.21M
79.88%776.5M
Other current assets
46.73%8.04M
46.73%8.04M
116.43%88.36M
262.73%126.51M
20.97%33.41M
-65.30%5.48M
-65.30%5.48M
46.71%40.82M
29.22%34.88M
-52.57%27.62M
Total current assets
17.35%12.34B
17.35%12.34B
24.58%12.42B
18.84%12.39B
1.13%10.88B
1.94%10.51B
1.94%10.51B
-1.87%9.97B
9.59%10.42B
27.17%10.76B
Non current assets
Net PPE
50.94%23.9M
50.94%23.9M
80.04%20.82M
77.80%18.53M
75.53%16.77M
83.21%15.83M
83.21%15.83M
35.29%11.57M
39.62%10.42M
61.27%9.55M
-Gross PPE
20.61%73.99M
20.61%73.99M
----
----
----
20.38%61.35M
20.38%61.35M
----
----
----
-Accumulated depreciation
-10.06%-50.09M
-10.06%-50.09M
----
----
----
-7.55%-45.51M
-7.55%-45.51M
----
----
----
Goodwill and other intangible assets
7.08%39.18M
7.08%39.18M
4.36%37.82M
1.77%37.15M
-1.42%36.51M
-0.59%36.59M
-0.59%36.59M
-0.76%36.24M
1.59%36.5M
2.43%37.03M
-Other intangible assets
7.08%39.18M
7.08%39.18M
----
----
----
-0.59%36.59M
-0.59%36.59M
----
----
----
Net loan
----
----
13.67%5.62B
-1.37%5.02B
-21.24%4.21B
-2.59%4.83B
-2.59%4.83B
9.09%4.94B
17.84%5.09B
37.29%5.35B
-Gross loan
----
----
13.67%5.62B
-1.37%5.02B
-21.24%4.21B
-2.74%5B
-2.74%5B
9.09%4.94B
17.84%5.09B
37.29%5.35B
-Allowance for loans and lease losses
----
----
----
----
----
-6.83%175.82M
-6.83%175.82M
----
----
----
Investments and advances
73.86%1.76B
73.86%1.76B
36.05%1.85B
-25.44%934.62M
-17.02%924.92M
-8.18%1.01B
-8.18%1.01B
73.85%1.36B
74.37%1.25B
62.73%1.11B
Financial assets
--0
--0
--1.58M
--12.06M
--6.45M
--1.04M
--1.04M
----
----
----
Non current deferred assets
130.31%455.36M
130.31%455.36M
57.75%303.9M
34.96%259.65M
15.04%188.02M
45.42%197.71M
45.42%197.71M
63.02%192.64M
140.66%192.39M
119.94%163.44M
Other non current assets
18.71%53.36M
18.71%53.36M
9.92%58.54M
-35.34%37.28M
-28.90%36.74M
-18.66%44.95M
-18.66%44.95M
-9.44%53.26M
-7.47%57.66M
-18.73%51.67M
Total non current assets
78.21%2.33B
78.21%2.33B
37.44%2.27B
-16.21%1.3B
-12.12%1.21B
-2.29%1.31B
-2.29%1.31B
64.65%1.65B
71.41%1.55B
59.13%1.38B
Total assets
24.08%14.67B
24.08%14.67B
26.41%14.69B
14.30%13.69B
-0.38%12.09B
1.45%11.82B
1.45%11.82B
4.11%11.62B
14.96%11.98B
30.13%12.14B
Liabilities
Current liabilities
Payables
24.62%4.69B
24.62%4.69B
17.47%3.75B
-11.45%3.43B
-41.80%2.66B
-20.36%3.76B
-20.36%3.76B
-20.26%3.2B
2.92%3.88B
38.46%4.57B
-accounts payable
39.87%3.05B
39.87%3.05B
18.71%2.86B
-21.68%2.45B
-54.42%1.72B
-39.06%2.18B
-39.06%2.18B
-25.49%2.41B
3.17%3.13B
39.12%3.77B
-Total tax payable
3.21%899.46M
3.21%899.46M
13.70%897.59M
31.84%976.63M
27.09%941.01M
18.36%871.49M
18.36%871.49M
12.81%789.43M
14.16%740.78M
29.71%740.44M
-Dividends payable
----
----
----
----
----
--0
--0
--0
--0
--59.23M
-Other payable
3.96%736.93M
3.96%736.93M
18.71%2.86B
-21.68%2.45B
-54.42%1.72B
104.16%708.83M
104.16%708.83M
12,116.00%2.41B
15,809.83%3.13B
19,041.48%3.77B
Current accrued expenses
19.85%357.13M
19.85%357.13M
56.50%1.29B
92.47%1.41B
57.57%1.01B
19.69%297.98M
19.69%297.98M
9.66%825.64M
31.41%733.49M
55.39%639.03M
Current debt and capital lease obligation
24.67%409.53M
24.67%409.53M
30.65%566.38M
-15.38%401.5M
38.90%603.5M
-41.86%328.5M
-41.86%328.5M
-22.24%433.5M
-28.40%474.5M
-6.10%434.5M
-Current debt
24.67%409.53M
24.67%409.53M
30.65%566.38M
-15.38%401.5M
38.90%603.5M
-41.86%328.5M
-41.86%328.5M
-22.24%433.5M
-28.40%474.5M
-6.10%434.5M
Current deferred liabilities
171.13%491.84M
171.13%491.84M
343.49%470.34M
282.04%323.07M
53.92%159.57M
51.44%181.41M
51.44%181.41M
--106.05M
--84.57M
--103.67M
Current liabilities
30.13%5.95B
30.13%5.95B
33.37%6.08B
7.74%5.57B
-22.93%4.43B
-19.23%4.57B
-19.23%4.57B
-14.24%4.56B
3.64%5.17B
37.67%5.75B
Non current liabilities
Long term debt and capital lease obligation
278.87%759.16M
278.87%759.16M
----
----
----
168.03%200.37M
168.03%200.37M
----
----
----
-Long term debt
298.80%748.31M
298.80%748.31M
----
----
----
203.10%187.64M
203.10%187.64M
----
----
----
-Long term capital lease obligation
-14.73%10.86M
-14.73%10.86M
----
----
----
-0.93%12.73M
-0.93%12.73M
----
----
----
Non current deferred liabilities
5.63%69.67M
5.63%69.67M
136.94%68.72M
61.25%56.66M
-55.75%17.6M
119.57%65.96M
119.57%65.96M
-32.26%29M
302.62%35.14M
6,336.08%39.78M
Total deposits
----
----
----
----
----
-39.00%12.02M
-39.00%12.02M
----
----
----
Derivative product liabilities
--15.43M
--15.43M
----
----
----
--0
--0
----
----
----
Other non current liabilities
26.50%34.81M
26.50%34.81M
355.17%607.88M
189.83%342.57M
63.25%210.01M
-26.76%27.52M
-26.76%27.52M
61.85%133.55M
162.32%118.2M
169.03%128.64M
Total non current liabilities
199.16%879.07M
199.16%879.07M
316.23%676.6M
160.37%399.23M
35.15%227.62M
106.40%293.85M
106.40%293.85M
29.70%162.55M
185.08%153.33M
53.44%168.42M
Total liabilities
40.34%6.83B
40.34%6.83B
43.11%6.76B
12.14%5.97B
-21.27%4.66B
-16.14%4.87B
-16.14%4.87B
-13.23%4.72B
5.58%5.32B
38.08%5.92B
Shareholders'equity
Share capital
0.00%206.79K
0.00%206.79K
0.00%207K
0.00%207K
0.00%207K
0.00%206.79K
0.00%206.79K
0.00%207K
0.00%207K
0.00%207K
-common stock
0.00%206.79K
0.00%206.79K
0.00%207K
0.00%207K
0.00%207K
0.00%206.79K
0.00%206.79K
0.00%207K
0.00%207K
0.00%207K
Retained earnings
31.38%5.48B
31.38%5.48B
45.34%5.51B
46.51%5.08B
51.63%4.63B
55.07%4.17B
55.07%4.17B
47.89%3.79B
56.67%3.47B
60.19%3.06B
Paid-in capital
1.54%3.26B
1.54%3.26B
1.95%3.26B
1.19%3.24B
0.78%3.23B
0.32%3.21B
0.32%3.21B
-0.46%3.19B
-0.13%3.21B
0.00%3.2B
Less: Treasury stock
89.89%967.77M
89.89%967.77M
483.52%904.5M
573.21%685.24M
371.91%503.45M
357.00%509.64M
357.00%509.64M
17.83%155.01M
-23.01%101.79M
-12.20%106.68M
Gains losses not affecting retained earnings
-21.38%63.72M
-21.38%63.72M
2.30%69.13M
-2.45%77.27M
9.78%80.09M
16.66%81.05M
16.66%81.05M
-12.55%67.57M
-5.21%79.21M
29.48%72.95M
Total stockholders'equity
12.71%7.84B
12.71%7.84B
14.97%7.93B
16.03%7.72B
19.49%7.44B
18.92%6.95B
18.92%6.95B
20.62%6.9B
23.75%6.65B
23.39%6.22B
Noncontrolling interests
----
----
----
----
--0
----
----
--0
--0
--0
Total equity
12.71%7.84B
12.71%7.84B
14.97%7.93B
16.03%7.72B
19.49%7.44B
18.92%6.95B
18.92%6.95B
20.62%6.9B
23.75%6.65B
23.39%6.22B
Currency Unit
CNY
CNY
CNY
CNY
CNY
CNY
CNY
CNY
CNY
CNY
Accounting Standards
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
Audit Opinions
Unqualified Opinion with Explanatory Notes
--
--
--
--
Unqualified Opinion
--
--
--
--
(FY)Dec 31, 2025(Q4)Dec 31, 2025(Q3)Sep 30, 2025(Q2)Jun 30, 2025(Q1)Mar 31, 2025(FY)Dec 31, 2024(Q4)Dec 31, 2024(Q3)Sep 30, 2024(Q2)Jun 30, 2024(Q1)Mar 31, 2024
Assets
Current assets
Cash, cash equivalents and short term investments 0.31%987.63M0.31%987.63M-14.68%890.85M-28.48%1.15B-1.67%1.39B-17.63%984.61M-17.63%984.61M-26.87%1.04B22.10%1.61B53.40%1.41B
-Cash and cash equivalents 0.31%987.63M0.31%987.63M-14.68%890.85M-28.48%1.15B-1.67%1.39B-17.63%984.61M-17.63%984.61M-26.87%1.04B22.10%1.61B53.40%1.41B
Receivables 23.02%8.46B23.02%8.46B30.54%8.69B23.96%8.18B-4.71%6.62B3.54%6.88B3.54%6.88B6.07%6.65B13.55%6.6B34.49%6.95B
-Accounts receivable 55.01%3.15B55.01%3.15B79.34%3.07B109.26%3.16B50.52%2.41B22.29%2.03B22.29%2.03B-1.81%1.71B1.16%1.51B25.90%1.6B
-Loans receivable 9.74%5.3B9.74%5.3B13.67%5.62B-1.37%5.02B-21.24%4.21B-2.59%4.83B-2.59%4.83B9.09%4.94B17.84%5.09B37.29%5.35B
-Taxes receivable -21.36%14.09M-21.36%14.09M-------------27.01%17.92M-27.01%17.92M------------
-Other receivables ---------------------27.01%17.92M-27.01%17.92M------------
Prepaid assets 100.53%21.41M100.53%21.41M20.34%2.09B34.76%2.14B33.23%2.13B26.75%10.68M26.75%10.68M-4.89%1.74B-9.68%1.59B-15.32%1.6B
Restricted cash 8.52%2.86B8.52%2.86B34.69%659.11M33.55%788.22M-8.26%712.35M7.49%2.64B7.49%2.64B-18.40%489.37M-0.76%590.21M79.88%776.5M
Other current assets 46.73%8.04M46.73%8.04M116.43%88.36M262.73%126.51M20.97%33.41M-65.30%5.48M-65.30%5.48M46.71%40.82M29.22%34.88M-52.57%27.62M
Total current assets 17.35%12.34B17.35%12.34B24.58%12.42B18.84%12.39B1.13%10.88B1.94%10.51B1.94%10.51B-1.87%9.97B9.59%10.42B27.17%10.76B
Non current assets
Net PPE 50.94%23.9M50.94%23.9M80.04%20.82M77.80%18.53M75.53%16.77M83.21%15.83M83.21%15.83M35.29%11.57M39.62%10.42M61.27%9.55M
-Gross PPE 20.61%73.99M20.61%73.99M------------20.38%61.35M20.38%61.35M------------
-Accumulated depreciation -10.06%-50.09M-10.06%-50.09M-------------7.55%-45.51M-7.55%-45.51M------------
Goodwill and other intangible assets 7.08%39.18M7.08%39.18M4.36%37.82M1.77%37.15M-1.42%36.51M-0.59%36.59M-0.59%36.59M-0.76%36.24M1.59%36.5M2.43%37.03M
-Other intangible assets 7.08%39.18M7.08%39.18M-------------0.59%36.59M-0.59%36.59M------------
Net loan --------13.67%5.62B-1.37%5.02B-21.24%4.21B-2.59%4.83B-2.59%4.83B9.09%4.94B17.84%5.09B37.29%5.35B
-Gross loan --------13.67%5.62B-1.37%5.02B-21.24%4.21B-2.74%5B-2.74%5B9.09%4.94B17.84%5.09B37.29%5.35B
-Allowance for loans and lease losses ---------------------6.83%175.82M-6.83%175.82M------------
Investments and advances 73.86%1.76B73.86%1.76B36.05%1.85B-25.44%934.62M-17.02%924.92M-8.18%1.01B-8.18%1.01B73.85%1.36B74.37%1.25B62.73%1.11B
Financial assets --0--0--1.58M--12.06M--6.45M--1.04M--1.04M------------
Non current deferred assets 130.31%455.36M130.31%455.36M57.75%303.9M34.96%259.65M15.04%188.02M45.42%197.71M45.42%197.71M63.02%192.64M140.66%192.39M119.94%163.44M
Other non current assets 18.71%53.36M18.71%53.36M9.92%58.54M-35.34%37.28M-28.90%36.74M-18.66%44.95M-18.66%44.95M-9.44%53.26M-7.47%57.66M-18.73%51.67M
Total non current assets 78.21%2.33B78.21%2.33B37.44%2.27B-16.21%1.3B-12.12%1.21B-2.29%1.31B-2.29%1.31B64.65%1.65B71.41%1.55B59.13%1.38B
Total assets 24.08%14.67B24.08%14.67B26.41%14.69B14.30%13.69B-0.38%12.09B1.45%11.82B1.45%11.82B4.11%11.62B14.96%11.98B30.13%12.14B
Liabilities
Current liabilities
Payables 24.62%4.69B24.62%4.69B17.47%3.75B-11.45%3.43B-41.80%2.66B-20.36%3.76B-20.36%3.76B-20.26%3.2B2.92%3.88B38.46%4.57B
-accounts payable 39.87%3.05B39.87%3.05B18.71%2.86B-21.68%2.45B-54.42%1.72B-39.06%2.18B-39.06%2.18B-25.49%2.41B3.17%3.13B39.12%3.77B
-Total tax payable 3.21%899.46M3.21%899.46M13.70%897.59M31.84%976.63M27.09%941.01M18.36%871.49M18.36%871.49M12.81%789.43M14.16%740.78M29.71%740.44M
-Dividends payable ----------------------0--0--0--0--59.23M
-Other payable 3.96%736.93M3.96%736.93M18.71%2.86B-21.68%2.45B-54.42%1.72B104.16%708.83M104.16%708.83M12,116.00%2.41B15,809.83%3.13B19,041.48%3.77B
Current accrued expenses 19.85%357.13M19.85%357.13M56.50%1.29B92.47%1.41B57.57%1.01B19.69%297.98M19.69%297.98M9.66%825.64M31.41%733.49M55.39%639.03M
Current debt and capital lease obligation 24.67%409.53M24.67%409.53M30.65%566.38M-15.38%401.5M38.90%603.5M-41.86%328.5M-41.86%328.5M-22.24%433.5M-28.40%474.5M-6.10%434.5M
-Current debt 24.67%409.53M24.67%409.53M30.65%566.38M-15.38%401.5M38.90%603.5M-41.86%328.5M-41.86%328.5M-22.24%433.5M-28.40%474.5M-6.10%434.5M
Current deferred liabilities 171.13%491.84M171.13%491.84M343.49%470.34M282.04%323.07M53.92%159.57M51.44%181.41M51.44%181.41M--106.05M--84.57M--103.67M
Current liabilities 30.13%5.95B30.13%5.95B33.37%6.08B7.74%5.57B-22.93%4.43B-19.23%4.57B-19.23%4.57B-14.24%4.56B3.64%5.17B37.67%5.75B
Non current liabilities
Long term debt and capital lease obligation 278.87%759.16M278.87%759.16M------------168.03%200.37M168.03%200.37M------------
-Long term debt 298.80%748.31M298.80%748.31M------------203.10%187.64M203.10%187.64M------------
-Long term capital lease obligation -14.73%10.86M-14.73%10.86M-------------0.93%12.73M-0.93%12.73M------------
Non current deferred liabilities 5.63%69.67M5.63%69.67M136.94%68.72M61.25%56.66M-55.75%17.6M119.57%65.96M119.57%65.96M-32.26%29M302.62%35.14M6,336.08%39.78M
Total deposits ---------------------39.00%12.02M-39.00%12.02M------------
Derivative product liabilities --15.43M--15.43M--------------0--0------------
Other non current liabilities 26.50%34.81M26.50%34.81M355.17%607.88M189.83%342.57M63.25%210.01M-26.76%27.52M-26.76%27.52M61.85%133.55M162.32%118.2M169.03%128.64M
Total non current liabilities 199.16%879.07M199.16%879.07M316.23%676.6M160.37%399.23M35.15%227.62M106.40%293.85M106.40%293.85M29.70%162.55M185.08%153.33M53.44%168.42M
Total liabilities 40.34%6.83B40.34%6.83B43.11%6.76B12.14%5.97B-21.27%4.66B-16.14%4.87B-16.14%4.87B-13.23%4.72B5.58%5.32B38.08%5.92B
Shareholders'equity
Share capital 0.00%206.79K0.00%206.79K0.00%207K0.00%207K0.00%207K0.00%206.79K0.00%206.79K0.00%207K0.00%207K0.00%207K
-common stock 0.00%206.79K0.00%206.79K0.00%207K0.00%207K0.00%207K0.00%206.79K0.00%206.79K0.00%207K0.00%207K0.00%207K
Retained earnings 31.38%5.48B31.38%5.48B45.34%5.51B46.51%5.08B51.63%4.63B55.07%4.17B55.07%4.17B47.89%3.79B56.67%3.47B60.19%3.06B
Paid-in capital 1.54%3.26B1.54%3.26B1.95%3.26B1.19%3.24B0.78%3.23B0.32%3.21B0.32%3.21B-0.46%3.19B-0.13%3.21B0.00%3.2B
Less: Treasury stock 89.89%967.77M89.89%967.77M483.52%904.5M573.21%685.24M371.91%503.45M357.00%509.64M357.00%509.64M17.83%155.01M-23.01%101.79M-12.20%106.68M
Gains losses not affecting retained earnings -21.38%63.72M-21.38%63.72M2.30%69.13M-2.45%77.27M9.78%80.09M16.66%81.05M16.66%81.05M-12.55%67.57M-5.21%79.21M29.48%72.95M
Total stockholders'equity 12.71%7.84B12.71%7.84B14.97%7.93B16.03%7.72B19.49%7.44B18.92%6.95B18.92%6.95B20.62%6.9B23.75%6.65B23.39%6.22B
Noncontrolling interests ------------------0----------0--0--0
Total equity 12.71%7.84B12.71%7.84B14.97%7.93B16.03%7.72B19.49%7.44B18.92%6.95B18.92%6.95B20.62%6.9B23.75%6.65B23.39%6.22B
Currency Unit CNYCNYCNYCNYCNYCNYCNYCNYCNYCNY
Accounting Standards US-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAP
Audit Opinions Unqualified Opinion with Explanatory Notes--------Unqualified Opinion--------
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4
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+7.76%
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