X Financial XYF
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No price or market cap here: this company files no 10-K, so the only share count SEC publishes for it counts its ordinary shares in its home market, while its US listing is a depositary receipt standing for some number of them. That number is in no filing, so a price multiplied by that count is not this company's value and is not shown. The financial statements below are as filed.
Valuation FY2025 figures against the last close
P/S—
P/E—
P/FCF—
EV/EBITDA—
Dividend yield—
Diluted EPS0.84
Annual financial statements
Income statement
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.09B | $804.4M | $678.2M | $516.6M | $569.1M | $336.1M | $443.6M | $515.0M | — | — |
| Cost of revenue | $288.9M | $238.1M | $404.2M | $308.3M | $308.0M | $317.5M | $234.8M | $172.5M | — | — |
| Gross profit | $803.5M | $566.3M | $274.0M | $208.2M | $261.0M | $18.6M | $208.7M | $342.5M | — | — |
| SG&A | $28.5M | $24.1M | $26.3M | $24.9M | $29.5M | $27.5M | $32.7M | $32.0M | — | — |
| Total operating expenses | $859.3M | $547.7M | $475.7M | $359.7M | $363.3M | $555.3M | — | $329.5M | — | — |
| Operating income | $233.1M | $256.7M | $202.5M | $156.9M | $205.7M | -$219.2M | $116.7M | $185.5M | — | — |
| Pre-tax income | $250.2M | $259.5M | $197.6M | $177.4M | $186.9M | -$245.4M | $95.4M | $157.8M | — | — |
| Income tax | $41.7M | $55.6M | $35.1M | $56.5M | $57.9M | $46.0M | $13.4M | $30.5M | — | — |
| Net income | $209.4M | $211.0M | $167.2M | $117.7M | $129.5M | -$200.5M | $111.2M | $128.4M | — | — |
| EPS, basic | 0.86 | 0.73 | 0.58 | 0.37 | 0.39 | -0.62 | 0.35 | 0.45 | — | — |
| EPS, diluted | 0.84 | 0.72 | 0.57 | 0.37 | 0.38 | -0.62 | 0.35 | 0.42 | — | — |
| Shares, diluted (wtd. avg.) | $249.5M | $293.4M | $290.8M | $322.4M | $336.9M | $321.2M | $319.7M | $304.0M | $279.7M | $238.1M |
Balance sheet
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $141.2M | $237.6M | $266.4M | $141.8M | $143.8M | $250.8M | $233.0M | $183.5M | $99.5M | — |
| Short-term investments | — | — | — | — | — | $919.5K | — | — | — | — |
| Property, plant and equipment | $3.4M | $2.2M | $1.2M | $849.8K | $971.1K | $1.7M | $2.9M | $3.4M | — | — |
| Other intangibles | $5.6M | $5.0M | $5.2M | $5.3M | $5.8M | $5.7M | $5.0M | $4.1M | — | — |
| Total assets | $2.10B | $1.62B | $1.64B | $1.28B | $1.15B | $1.15B | $1.19B | $674.4M | — | — |
| Short-term debt | $58.6M | $45.0M | — | — | — | — | — | — | — | — |
| Total liabilities | $976.5M | $666.7M | $817.3M | $592.2M | $528.2M | $677.7M | $562.1M | $162.7M | — | — |
| Retained earnings | $784.2M | $571.9M | $379.2M | $235.3M | $127.2M | -$2.2M | $188.3M | $93.1M | — | — |
| Total equity | $1.12B | $994.3M | $823.6M | $669.5M | $576.6M | $482.7M | $669.3M | $505.3M | $256.8M | — |
Cash flow
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $209.9M | $208.7M | $114.7M | $46.8M | $70.5M | -$104.1M | $86.3M | $778.7K | — | — |
| Depreciation and amortisation | $1.6M | $986.2K | $740.9K | $963.6K | $1.3M | $1.8M | $1.6M | $1.4M | — | — |
| Stock-based compensation | $8.7M | $5.5M | $6.0M | $7.8M | $13.9M | $12.3M | $22.6M | $25.0M | — | — |
| Capital expenditure | $3.1M | $1.9M | $1.2M | $877.9K | $411.1K | $822.3K | $2.2M | $5.6M | — | — |
| Investing cash flow | -$152.5M | $16.7M | -$155.8M | -$132.4M | -$368.4M | -$567.8M | -$442.4M | $60.0M | — | — |
| Financing cash flow | $11.3M | -$265.1M | $172.9M | $83.6M | $204.2M | $688.2M | $389.4M | $26.4M | — | — |
| Dividends paid | $22.1M | $16.0M | $8.2M | — | — | — | $14.8M | — | — | — |
| Buybacks | $105.0M | $25.0M | $3.5M | $21.3M | — | — | — | — | — | — |
Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001104659-26-052016.
Others in SIC 6199
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