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X Financial
XYF · NYSE · ·
$5.26+2.5%Sep 29 close
- 1M
- -0.1%
- 6M
- +42.1%
- 1Y
- -58.2%
- 5Y
- +61.4%
Trailing twelve months where a flow is involved, latest reported balance where it is not.
What this company sells, and where it sells it, as the filings break it down.
Year to Dec 31, 2025 · $162.9M
These lines are the breakdown as filed. We could not reconcile them against the total revenue for the same period.
Both on one scale, because both are money — the bar that is taller is the one that matters.
Cash counts short-term investments, not just the bank balance — technology companies park most of it in marketable securities, and leaving those out understates it several times over. Debt includes lease obligations.
Only the three costs filers report consistently. Anything a company does not break out sits outside these bands, so the stack is not the whole cost base.
Not on the overview because five charts is as much as one decision needs — but here in full, on one period switch. Each bar sums the four quarters ending there — a full year, brought up to today.
$835.04MQ2 2026-18.6%
Everything the company sold, before any costs. Each bar sums the four quarters ending there — a full year, brought up to today.
$244.8M2025-12.7%
Operating profit before depreciation and amortisation — approximated from operating income, because no depreciation tag is reported consistently enough across filers to do better. Treat it as indicative. One bar per fiscal year, as filed. Stops at the last completed year.
$84.02MQ2 2026-46.1%10.1% of revenue
What was left after every cost, including tax. Each bar sums the four quarters ending there — a full year, brought up to today.
10.1%Q2 2026-33.7%
How much of every dollar of sales the company keeps as profit. A grocer keeps a few cents; a software company can keep half. Each point covers the four quarters ending there — a full year, brought up to today.
$215.63M2025-4.2%
Cash left over after running and maintaining the business. One bar per fiscal year, as filed. Stops at the last completed year.
$1.752025+11.8%
The same profit, split across every share. If this lags the profit chart above, the company is issuing shares and your slice is getting smaller. Restated onto today’s share count, so stock splits do not show as jumps. One bar per fiscal year, as filed. Stops at the last completed year.
124.74M2025-15.0%
How many shares the profit is divided across. Rising is dilution; falling is the company buying itself back. Restated onto today’s basis, so splits do not show as jumps. One point per fiscal year, as filed. Stops at the last completed year.
3.2x2025-44.9%
3.2x today · median 3.9x and range 2.1x–5.8x across the points shown, 2019 to 2025 The break in the line covers one period with no meaningful multiple — a loss, or earnings so small the ratio says more about the denominator than the price.
Paid per unit of yearly profit. Periods with a loss, or profits too small for the ratio to mean anything, are left out — the line breaks rather than drawing through them. Each point covers the four quarters ending there — a full year, brought up to today.
$23.08M2025+32.7%
Cash handed to shareholders. A flat line at zero means the company pays none. One bar per fiscal year, as filed. Stops at the last completed year.
Everything above comes from X Financial’s own filings with the SEC, as reported. No estimates, no analyst figures, nothing adjusted. This company files in CNY. Figures are converted to US dollars at $1.00 = 6.7045 CNY, the current rate, applied to every period alike — so growth and margins are the company’s own and not the exchange rate’s.
Not reported by this filer: Gross Profit, R&D Expense, Interest Expense, Interest Income, Net Interest Income, Non-interest Income, Non-interest Expense, Current Assets, Current Liabilities, Inventory, Receivables, Long-term Debt (noncurrent), Long-term Debt (current), Borrowings (total), Operating Lease (noncurrent), Finance Lease (current), Finance Lease Liabilities (total), and Finance Lease (noncurrent). Companies choose which XBRL tags to use, and anything untagged cannot be recovered — so these are blank rather than guessed.
XYF · NYSE · ·
$5.26+2.5%Sep 29 close