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NYSE · Finance

X Financial (XYF)

X Financial reported revenue of $1.1B in fiscal 2025, up 35.8% from a year earlier. Net income was $209.4M, a net margin of 19.2%. Operating cash flow minus capital spending left $206.7M of free cash flow in fiscal 2025. At December 31, 2025 it held $141.2M in cash. Its latest periodic report to the SEC is the annual report (foreign issuer) (20-F) filed on April 30, 2026.

Revenue (FY2025)
$1.1B
+35.8% year on year
Net margin
19.2%

What X Financial does

X Financial is registered with the SEC under industry code SIC 6199 (Finance Services). Its shares trade on NYSE under the ticker XYF.

Revenue and profit by year

Revenue
FY18: $515M $515M FY18FY19: $443.6M $443.6M FY19FY20: $336.1M $336.1M FY20FY21: $569.1M $569.1M FY21FY22: $516.6M $516.6M FY22FY23: $678.2M $678.2M FY23FY24: $804.4M $804.4M FY24FY25: $1.1B $1.1B FY25
Net income
FY18: $128.4M $128.4M FY18FY19: $111.2M $111.2M FY19FY20: -$200.5M -$200.5M FY20FY21: $129.5M $129.5M FY21FY22: $117.7M $117.7M FY22FY23: $167.2M $167.2M FY23FY24: $211M $211M FY24FY25: $209.4M $209.4M FY25

Fiscal years as reported in annual reports. Amounts in USD.

Key figures

Fiscal yearRevenueOperating incomeNet incomeDiluted EPSFree cash flow
2025$1.1B$233.1M$209.4M$0.84$206.7M
2024$804.4M$256.7M$211M$0.72$206.8M
2023$678.2M$202.5M$167.2M$0.57$113.5M
2022$516.6M$156.9M$117.7M$0.37$45.9M
2021$569.1M$205.7M$129.5M$0.38$70.1M
2020$336.1M-$219.2M-$200.5M-$0.62-$104.9M

Latest SEC filings

What X Financial has filed recently, newest first. Each links to the original document on SEC EDGAR.

  1. August 24, 2026
    Foreign issuer update 6-K
  2. June 17, 2026
    Foreign issuer update 6-K
  3. May 27, 2026
    Foreign issuer update 6-K
  4. May 1, 2026
    Passive stake changed SCHEDULE 13G/A
  5. April 30, 2026
    Annual report (foreign issuer) 20-F · period to December 31, 2025
  6. March 31, 2026
    Activist stake changed SCHEDULE 13D/A
  7. March 25, 2026
    Foreign issuer update 6-K
  8. January 30, 2026
    Passive stake changed SCHEDULE 13G/A
  9. November 20, 2025
    Foreign issuer update 6-K
  10. November 18, 2025
    Foreign issuer update 6-K

Recent insider filings (Forms 3, 4 and 144): 10, the latest on August 3, 2026. Insider transactions on SEC

All filings on SEC EDGAR

Questions about XYF

What does X Financial do?

X Financial is registered with the SEC under industry code SIC 6199 (Finance Services). Its shares trade on NYSE under the ticker XYF.

Is X Financial profitable?

Yes. In fiscal 2025 it reported net income of $209.4M on revenue of $1.1B, a net margin of 19.2%.

How much revenue does X Financial make?

In fiscal 2025 X Financial reported revenue of $1.1B. That is 35.8% more than a year earlier.

When did X Financial last report?

Its most recent periodic report is the annual report (foreign issuer) (20-F) filed on April 30, 2026. It covers the period to December 31, 2025. Its newest filing of any kind is the foreign issuer update from August 24, 2026.

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Where the numbers come from

Financial figures are the values X Financial tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.

Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.