US Stock MarketDetailed Quotes

X Financial (XYF)

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  • 5.020
  • +0.070+1.41%
Close Apr 24 16:00 ET
  • 4.960
  • -0.060-1.20%
Post 19:20 ET
196.21MMarket Cap0.97P/E (TTM)

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

X Financial (XYF) Income Statement

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
Total revenue
32.89%3.4B
-4.73%741.63M
46.70%914.69M
61.69%1B
38.13%741.31M
34.24%2.56B
74.68%778.48M
12.95%623.53M
16.63%620.43M
42.44%536.67M
Net interest income
-276.60%-794.74M
225.21%186.27M
13.37%-147.08M
-1,791.61%-432.34M
-589.96%-401.59M
16.91%-211.03M
-255.14%-148.77M
-34.47%-169.78M
138.76%25.56M
512.19%81.96M
-Net interest income
2.64%1.41B
12.25%398.43M
12.13%377.86M
-7.24%323.92M
-6.94%307.42M
22.78%1.37B
16.33%354.94M
14.76%336.98M
31.19%349.19M
31.06%330.34M
-Total interest expense
39.17%2.2B
-57.88%212.17M
3.59%524.94M
133.68%756.26M
185.46%709.01M
15.43%1.58B
45.16%503.7M
20.69%506.76M
-2.55%323.64M
-8.67%248.37M
-Interest expense for long term debt and capital securities
39.17%2.2B
-57.88%212.17M
3.59%524.94M
133.68%756.26M
185.46%709.01M
15.43%1.58B
45.16%503.7M
20.69%506.76M
-2.55%323.64M
-8.67%248.37M
Non interest income
51.46%4.2B
-40.11%555.36M
33.84%1.06B
141.31%1.44B
151.35%1.14B
28.23%2.77B
90.19%927.24M
16.96%793.31M
-0.51%594.87M
14.64%454.7M
-Fees and commissions
51.95%3.53B
-42.17%447.79M
36.67%902.63M
137.61%1.23B
155.48%953.62M
27.91%2.33B
104.92%774.36M
9.60%660.42M
2.01%517.41M
12.98%373.27M
-Foreign exchange trading gains
10.43%-8.54M
134.00%2.1M
-105.35%-261K
126.91%2.1M
-2,843.87%-12.48M
-136.97%-9.53M
-291.29%-6.18M
219.86%4.88M
33.83%-7.81M
-114.05%-424K
-Other non interest income
57.83%688.42M
-16.64%120.69M
22.66%157.95M
135.44%209.77M
172.03%200.02M
38.25%436.18M
68.15%144.79M
42.40%128.77M
-0.97%89.09M
50.05%73.53M
-Gain loss on sale of assets
-198.93%-17.82M
-206.57%-15.22M
291.97%1.46M
-51.58%-5.8M
-79.12%1.74M
-41.59%18.02M
-29.74%14.28M
95.32%-760K
-130.60%-3.83M
-41.49%8.33M
Credit losses provision
-215.22%-1.58B
-247.08%-669.26M
-721.75%-490.84M
-118.48%-287.86M
-14.83%-135.54M
-62.99%-502.35M
-46.87%-192.83M
39.72%-59.73M
-125.52%-131.76M
-508.35%-118.04M
Non interest expense
13.43%199.56M
-5.58%46.16M
5.29%52.12M
26.79%49.54M
34.49%51.74M
14.28%175.93M
24.99%48.89M
23.13%49.5M
6.86%39.07M
1.07%38.47M
Selling and administrative expenses
13.43%199.56M
-5.58%46.16M
5.29%52.12M
26.79%49.54M
34.49%51.74M
14.28%175.93M
24.99%48.89M
23.13%49.5M
6.86%39.07M
1.07%38.47M
-General and administrative expense
13.43%199.56M
-5.58%46.16M
5.29%52.12M
26.79%49.54M
34.49%51.74M
14.28%175.93M
24.99%48.89M
23.13%49.5M
6.86%39.07M
1.07%38.47M
Income from associates and other participating interests
Special income (charges)
Other non-operating income (expenses)
878.18%132.25M
23.17%5.03M
1,967.89%125.07M
133.64%221K
-52.17%1.94M
-44.48%13.52M
203.28%4.08M
27.54%6.05M
-109.48%-657K
-64.30%4.05M
Income before tax
-7.62%1.75B
-94.22%31.25M
-4.53%496.8M
48.35%665.98M
44.71%555.96M
28.99%1.89B
95.54%540.85M
24.64%520.34M
1.14%448.94M
16.21%384.2M
Income tax
-28.11%291.65M
-110.51%-15.85M
-20.09%80.18M
23.70%110.8M
79.20%116.53M
55.36%405.7M
218.42%150.78M
35.27%100.33M
2.90%89.57M
23.71%65.03M
Earnings from equity interest net of tax
-87.89%6.21M
326.64%10.07M
110.46%4.62M
-148.58%-27.17M
-57.48%18.69M
348.27%51.28M
88.97%-4.44M
-1,234.39%-44.17M
492.72%55.93M
599.08%43.97M
Net income
-4.89%1.46B
-85.18%57.17M
12.08%421.24M
27.14%528.02M
26.16%458.13M
29.75%1.54B
104.07%385.63M
8.25%375.84M
13.38%415.3M
27.71%363.14M
Net Income continuous operations
-4.89%1.46B
-85.18%57.17M
12.08%421.24M
27.14%528.02M
26.16%458.13M
29.75%1.54B
104.07%385.63M
8.25%375.84M
13.38%415.3M
27.71%363.14M
Minority interest income
0
0
0
0
0
0
0
0
0
0
Net income attributable to the parent company
-4.89%1.46B
-85.18%57.17M
12.08%421.24M
27.14%528.02M
26.16%458.13M
29.75%1.54B
104.07%385.63M
8.25%375.84M
13.38%415.3M
27.71%363.14M
Preferred stock dividends
Other preferred stock dividend
Net income attributable to common stockholders
-4.89%1.46B
-85.18%57.17M
12.08%421.24M
27.14%528.02M
26.16%458.13M
29.75%1.54B
104.07%385.63M
8.25%375.84M
13.38%415.3M
27.71%363.14M
Basic earnings per share
12.57%36
-82.48%1.44
34.35%10.56
48.94%12.6
46.77%10.92
29.37%31.98
110.77%8.22
8.26%7.86
11.02%8.46
25.25%7.44
Diluted earnings per share
11.81%35.22
-82.09%1.44
30.23%10.08
44.93%12
44.26%10.56
28.68%31.5
109.38%8.04
10.26%7.74
10.40%8.28
25.77%7.32
Dividend per share
56.88%3.7867
0
65.30%1.9935
48.47%1.7932
0
2.4138
0
1.206
1.2078
0
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
--
--
--
--
(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
Total revenue 32.89%3.4B-4.73%741.63M46.70%914.69M61.69%1B38.13%741.31M34.24%2.56B74.68%778.48M12.95%623.53M16.63%620.43M42.44%536.67M
Net interest income -276.60%-794.74M225.21%186.27M13.37%-147.08M-1,791.61%-432.34M-589.96%-401.59M16.91%-211.03M-255.14%-148.77M-34.47%-169.78M138.76%25.56M512.19%81.96M
-Net interest income 2.64%1.41B12.25%398.43M12.13%377.86M-7.24%323.92M-6.94%307.42M22.78%1.37B16.33%354.94M14.76%336.98M31.19%349.19M31.06%330.34M
-Total interest expense 39.17%2.2B-57.88%212.17M3.59%524.94M133.68%756.26M185.46%709.01M15.43%1.58B45.16%503.7M20.69%506.76M-2.55%323.64M-8.67%248.37M
-Interest expense for long term debt and capital securities 39.17%2.2B-57.88%212.17M3.59%524.94M133.68%756.26M185.46%709.01M15.43%1.58B45.16%503.7M20.69%506.76M-2.55%323.64M-8.67%248.37M
Non interest income 51.46%4.2B-40.11%555.36M33.84%1.06B141.31%1.44B151.35%1.14B28.23%2.77B90.19%927.24M16.96%793.31M-0.51%594.87M14.64%454.7M
-Fees and commissions 51.95%3.53B-42.17%447.79M36.67%902.63M137.61%1.23B155.48%953.62M27.91%2.33B104.92%774.36M9.60%660.42M2.01%517.41M12.98%373.27M
-Foreign exchange trading gains 10.43%-8.54M134.00%2.1M-105.35%-261K126.91%2.1M-2,843.87%-12.48M-136.97%-9.53M-291.29%-6.18M219.86%4.88M33.83%-7.81M-114.05%-424K
-Other non interest income 57.83%688.42M-16.64%120.69M22.66%157.95M135.44%209.77M172.03%200.02M38.25%436.18M68.15%144.79M42.40%128.77M-0.97%89.09M50.05%73.53M
-Gain loss on sale of assets -198.93%-17.82M-206.57%-15.22M291.97%1.46M-51.58%-5.8M-79.12%1.74M-41.59%18.02M-29.74%14.28M95.32%-760K-130.60%-3.83M-41.49%8.33M
Credit losses provision -215.22%-1.58B-247.08%-669.26M-721.75%-490.84M-118.48%-287.86M-14.83%-135.54M-62.99%-502.35M-46.87%-192.83M39.72%-59.73M-125.52%-131.76M-508.35%-118.04M
Non interest expense 13.43%199.56M-5.58%46.16M5.29%52.12M26.79%49.54M34.49%51.74M14.28%175.93M24.99%48.89M23.13%49.5M6.86%39.07M1.07%38.47M
Selling and administrative expenses 13.43%199.56M-5.58%46.16M5.29%52.12M26.79%49.54M34.49%51.74M14.28%175.93M24.99%48.89M23.13%49.5M6.86%39.07M1.07%38.47M
-General and administrative expense 13.43%199.56M-5.58%46.16M5.29%52.12M26.79%49.54M34.49%51.74M14.28%175.93M24.99%48.89M23.13%49.5M6.86%39.07M1.07%38.47M
Income from associates and other participating interests
Special income (charges)
Other non-operating income (expenses) 878.18%132.25M23.17%5.03M1,967.89%125.07M133.64%221K-52.17%1.94M-44.48%13.52M203.28%4.08M27.54%6.05M-109.48%-657K-64.30%4.05M
Income before tax -7.62%1.75B-94.22%31.25M-4.53%496.8M48.35%665.98M44.71%555.96M28.99%1.89B95.54%540.85M24.64%520.34M1.14%448.94M16.21%384.2M
Income tax -28.11%291.65M-110.51%-15.85M-20.09%80.18M23.70%110.8M79.20%116.53M55.36%405.7M218.42%150.78M35.27%100.33M2.90%89.57M23.71%65.03M
Earnings from equity interest net of tax -87.89%6.21M326.64%10.07M110.46%4.62M-148.58%-27.17M-57.48%18.69M348.27%51.28M88.97%-4.44M-1,234.39%-44.17M492.72%55.93M599.08%43.97M
Net income -4.89%1.46B-85.18%57.17M12.08%421.24M27.14%528.02M26.16%458.13M29.75%1.54B104.07%385.63M8.25%375.84M13.38%415.3M27.71%363.14M
Net Income continuous operations -4.89%1.46B-85.18%57.17M12.08%421.24M27.14%528.02M26.16%458.13M29.75%1.54B104.07%385.63M8.25%375.84M13.38%415.3M27.71%363.14M
Minority interest income 0000000000
Net income attributable to the parent company -4.89%1.46B-85.18%57.17M12.08%421.24M27.14%528.02M26.16%458.13M29.75%1.54B104.07%385.63M8.25%375.84M13.38%415.3M27.71%363.14M
Preferred stock dividends
Other preferred stock dividend
Net income attributable to common stockholders -4.89%1.46B-85.18%57.17M12.08%421.24M27.14%528.02M26.16%458.13M29.75%1.54B104.07%385.63M8.25%375.84M13.38%415.3M27.71%363.14M
Basic earnings per share 12.57%36-82.48%1.4434.35%10.5648.94%12.646.77%10.9229.37%31.98110.77%8.228.26%7.8611.02%8.4625.25%7.44
Diluted earnings per share 11.81%35.22-82.09%1.4430.23%10.0844.93%1244.26%10.5628.68%31.5109.38%8.0410.26%7.7410.40%8.2825.77%7.32
Dividend per share 56.88%3.7867065.30%1.993548.47%1.793202.413801.2061.20780
Currency Unit CNYCNYCNYCNYCNYCNYCNYCNYCNYCNY
Accounting Standards US-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAP
Audit Opinions ----------Unqualified Opinion--------
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