XYF — X Financial
—
NYSE ·
Financials ·
Consumer Finance ·
CIK 1725033 ·
Last close
$5.26
Market Cap
$108.71M
52W High
$13.31
52W Low
$2.96
ADV30
72,800
Next earnings
2026-11-26
Quarterly Fundamentals
Revenues vs Net Income (last 4 Q)
Assets vs Liabilities (last 4 Q)
| Period | Revenues | Gross profit | Op income | Net income | Assets | Cash | Liabilities |
|---|---|---|---|---|---|---|---|
| Jun 2026 | — | — | — | — | — | 1,131,736,000 | 4,346,814,000 |
| Mar 2026 | 1,176,139,000 | 688,708,000 | 138,931,000 | 37,947,000 | 13,606,476,000 | 1,021,230,000 | 5,837,919,000 |
| Dec 2025 | 1,467,842,431 | 943,610,635 | 16,033,606 | 57,168,224 | 14,665,744,467 | 987,630,978 | 6,828,943,830 |
| Sep 2025 | 1,960,954,000 | 1,433,484,000 | 365,587,000 | 421,241,000 | 14,688,632,000 | 890,854,000 | 6,759,888,000 |
Balance + Analyst (yfinance extras)
Retained Earnings
$5,448,322,000
Inventory
—
Receivables
$6,816,812,000
ST Investments
—
EBIT TTM
$1,186,033,606
Pretax Income TTM
$1,330,872,796
Interest Exp TTM
$2,493,914,287
Analysts
—
Yahoo Snapshot (yfinance, live)
Total Revenue
$5,598,516,224
EBITDA
$2,935,574,784
Free Cash Flow
$1,379,756,416
Enterprise Value
$-512,897,344
Total Cash
$1,131,736,064
Total Debt
$425,112,000
Shares Out
20,666,711
Trailing EPS
$2.20
Book Value
$29.53
ROE
7.3%
ROA
14.2%
Div Yield
10.85%
Annual Trend (SEC EDGAR, last 4y)
Revenues vs Net Income (last 4y)
| FY end | Revenues | Op income | Net income | Assets | Liabilities | Equity | Op cash flow |
|---|---|---|---|---|---|---|---|
| Dec 2025 | 7,639,424,431 | 1,614,591,606 | 1,464,552,224 | 14,665,744,467 | 6,828,943,830 | 7,836,800,637 | 1,467,544,503 |
| Dec 2024 | 5,871,781,746 | 1,849,844,632 | 1,539,905,765 | 11,819,289,603 | 4,866,134,961 | 6,953,154,642 | 1,523,386,291 |
| Dec 2023 | 4,814,884,030 | 1,407,021,612 | 1,186,793,974 | 11,650,024,640 | 5,802,900,353 | 5,847,124,287 | 1,391,444,390 |
| Dec 2022 | 3,562,950,115 | 1,082,293,813 | 811,996,439 | 8,837,663,448 | 4,084,408,756 | 4,753,254,692 | 626,781,729 |
TTM Snapshot
Revenues TTM
—
NetIncome TTM
—
OpCashFlow TTM
—
Assets (Latest)
—
Forward EPS
$0.37
Peers — same industry
| Ticker | Name | Market Cap | Last | Daily % |
|---|---|---|---|---|
| UPXI | UPEXI, INC. | $100.99M | $1.23 | — |
| SUIG | SUI Group Holdings Ltd. | $122.12M | $1.59 | — |
| LX | LexinFintech Holdings Ltd. | $95.93M | $0.74 | — |
| CHAD | DeFi Development Corp. | $89.58M | $8.80 | — |
| FOA | Finance of America Companies Inc. | $133.57M | $14.49 | — |
News headlines (Yahoo Finance, 1h cache)
X Financial (XYF) Saw its Active-Borrower Count Fall 74.8% Year Over Year. Can Better Credit Metrics Stabilize the Business?
2026-08-27 20:17 · Yahoo
X Financial (XYF) Q2 2026 Earnings Call Transcript
2026-08-25 00:29 · Yahoo
X Financial (XYF) (Q2 2026) Earnings Call Highlights: Revenue Declines 56% Amid Strategic ...
2026-08-24 23:00 · Yahoo
X Financial Q2 Earnings Call Highlights
2026-08-24 14:02 · Yahoo
X Financial to Report Second Quarter 2026 Financial Results on August 24, 2026
2026-08-18 10:00 · Yahoo
X Financial (XYF) Q1 2026 Earnings Transcript
2026-06-01 14:07 · Yahoo
X Financial (XYF) Q1 2026 Earnings Call Highlights: Navigating Challenges with Improved Margins ...
2026-05-28 23:02 · Yahoo
X Financial to Report First Quarter 2026 Financial Results on May 28, 2026
2026-05-21 10:00 · Yahoo
X Financial (XYF) Q4 2025 Earnings Transcript
2026-05-20 17:59 · Yahoo
X Financial Files Annual Report on Form 20-F for Fiscal Year 2025
2026-04-30 10:50 · Yahoo
Recent Insider Activity
No insider activity indexed for this ticker.