X Financial Sponsored ADR

XYF Financial Credit Services

X Financial Sponsored ADR’s revenue for fiscal 2025 (year ended December 2025) was $1.1 billion, up 35.8% from fiscal 2024. In the quarter to June 2026, revenue fell 53.9%, EPS fell 89.2%, free cash flow grew 194.9% and total debt rose 4.19%, each against the same quarter a year earlier. Dividend growth for three consecutive years, revenue growth for three, operating cash flow growth for three.

4.99 0.13 −2.54%
Market cap
$116.8M
P/E
2.3×
Fwd P/E
—
Dividend yield
11.2%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a

An Income Statement, also known as a Profit and Loss Statement, summarizes a company's revenues, expenses, and profits over a specific period. It highlights how revenue is transformed into net income, showcasing operational efficiency. Key components include total revenue, cost of goods sold (COGS), gross profit, operating expenses, and net profit. Businesses use the Income Statement to assess financial performance, make strategic decisions, and ensure profitability. Investors and stakeholders analyze it to gauge the company’s financial health and future growth potential.

Jun '26 Mar '26 Dec '25 Sep '25 Older periods
Revenue
825.05 995.93 1,092.42 1,082.51

+8 more TTM periods

Gross Profit
540.74 701.91 803.49 814.66
Operating Income
109.04 174.54 233.10 292.33
EBT
132.92 193.47 250.25 303.04
Income after Tax
104.23 157.36 208.54 240.30
Net Income Common
85.01 151.80 209.43 245.98
EPS (Diluted)
1.96 3.45 4.77 5.66
Shares (Diluted, Weighted)
40.20 41.72 42.67 44.31
Gross Margin
65.54% 70.48% 73.55% 75.26%
EBIT Margin
13.22% 17.53% 21.34% 27.01%
Net Profit Margin
10.30% 15.24% 19.17% 22.72%
Free Cash Flow Margin
0.00% 0.00% 52.44% 0.00%
EBITDA
109.04 174.54 233.10 292.33
EBIT
109.04 174.54 233.10 292.33

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In millions of $ except per-share values · columns are period end dates