Saturday 17 October 2026 Export XYF’s income statement to Excel — free account

X Financial Sponsored ADR

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%

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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

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 0.94

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	1	—	—	—	—

Insider Ownership 13.01%

Capital & Financial Ratios $m

Market Cap 116.84

Revenue 825.05

Net Income 209.43

Free Cash Flow 572.89

Net Debt (230.39)

Current Ratio 2.06

Debt/Equity 0.05

P/E ratio 2.25

Fwd P/E —

P/S ratio 0.23

P/B ratio 0.16

Past 5Y EPS Growth —

This Y EPS Growth —

Next Y EPS Growth —

Next Y revenue growth —

Next 5Y EPS Growth 29.31%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 62.37%

10-year low 10-year high

P/S against its own 10 years 11.34%

10-year low 10-year high

P/B against its own 10 years 4.60%

10-year low 10-year high

Dividends

Payout Ratio 0.29

Annual Dividend Rate 0.56

Annual Dividend Yield 11.22%

	total	individual payouts
2026	0.56	0.28 0.28
2025	0.53	0.25 0.28
2024	0.34	0.17 0.17
2020	Powerpack
2019	0.30	0.30
2018	Powerpack

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	274	228	305	289
Receivables	234	278	450	203
Inventory	—	—	—	—
Other	240	268	245	130
	1,470	1,467	1,829	1,309

	2023	2024	2025	Q'26
Payables	—	—	—	—
ST’ Debt	80	45	59	58
Other	564	365	578	312
	812	663	972	636

Compound Annual Growth %

	10y	5y	3y
Sales	—	26.59%	28.36%
Cash Flow	—	0.00%	64.92%
Earnings	—	0.00%	21.17%
Book Value	—	18.91%	17.59%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	171	146	—	—	—
’25	267	317	275	233	1,092
’24	167	189	226	223	804
’23	146	168	191	172	678
’22	140	123	126	128	517
’21	138	144	150	137	569
’20	75	55	82	124	336

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	—	—	—	—	—
’25	—	—	—	—	210
’24	—	—	—	—	209
’23	—	—	—	—	115
’22	—	—	—	—	47
’21	—	—	—	—	70
’20	—	—	—	—	(104)

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	—	—	—	—	—
’25	—	—	—	207	207
’24	—	—	—	207	207
’23	—	—	—	113	113
’22	—	—	—	46	46
’21	—	—	—	70	70
’20	—	—	—	(105)	(105)

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.14	0.19	—	—	—
’25	1.46	1.68	1.42	0.21	5.04
’24	1.01	1.14	1.10	1.10	4.32
’23	0.85	1.03	0.96	0.54	3.45
’22	0.39	0.49	0.54	0.75	2.19
’21	0.53	0.61	0.76	0.40	2.31
’20	(0.51)	(0.90)	(0.31)	(1.88)	(3.74)

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	—	12.45	4.95	1.41	1.90	1.62	2.65	3.48	5.44	Analyst estimates 2026–2028 Powerpack
	High	—	—	60.90	22.62	5.40	17.88	3.45	5.00	8.59	20.36
People
People	Employees	—	798	744	693	457	424	461	521	563	643
	Revenue/emp, $m	0.00	0.34	0.69	0.64	0.74	1.34	1.12	1.30	1.43	1.70
Income, $m
Income, $m	Revenue	35	270	515	444	336	569	517	678	804	1,092
	Gross margin, %	0.00	57.46	66.50	47.06	5.54	45.87	40.31	40.40	70.40	73.55
	EBT	(22)	72	158	95	(245)	187	177	198	260	250
	EBT margin, %	(63.92)	26.78	30.64	21.50	(73.03)	32.84	34.34	29.14	32.26	22.91
	Net income	(18)	51	128	111	(201)	130	118	167	211	209
	Depreciation	—	1	1	2	2	1	1	1	1	2
Per share, $
Per share, $	Revenue	0.68	6.20	10.78	8.48	6.28	10.37	9.79	14.12	16.71	26.87
	Earnings	(0.06)	1.18	2.70	2.13	(3.74)	2.36	2.24	3.48	4.38	5.15
	Cash flow	0.24	(2.14)	0.02	1.65	(1.94)	1.28	0.89	2.39	4.34	5.16
	Capex	0.00	(0.07)	(0.12)	(0.04)	(0.02)	(0.01)	(0.02)	(0.02)	(0.04)	(0.08)
	Free cash flow	0.24	(2.21)	(0.10)	1.61	(1.96)	1.28	0.87	2.36	4.30	5.08
	Book value	1.06	6.13	10.71	12.00	8.81	11.37	13.07	17.15	19.79	27.56
	Shares, m	51	44	48	52	54	55	53	48	48	41
Valuation, ×
Valuation, ×	P/E	359.10	359.10	21.35	2.37	0.00	1.28	1.34	1.09	1.88	1.09
	P/S	0.00	0.00	0.00	0.60	0.32	0.29	0.30	0.27	0.50	0.21
	P/B	0.00	0.00	1.30	0.42	0.23	0.26	0.23	0.22	0.42	0.20
	EV/Sales	0.00	0.00	0.00	(0.12)	(0.39)	0.06	0.04	(0.02)	0.27	(0.02)
	EV/FCF	0.00	0.00	0.00	0.00	1.51	0.43	0.22	(0.11)	0.50	(0.03)
Cash, $m
Cash, $m	Operating cash flow	12	(93)	1	86	(104)	70	47	115	209	210
	Capex	(1)	(3)	(6)	(2)	(1)	0	(1)	(1)	(2)	(3)
	Free cash flow	12	(96)	(5)	84	(105)	70	46	113	207	207
Balance, $m
Balance, $m	Working capital	—	225	443	519	408	513	579	658	804	857
	Total debt	12	9	29	3	54	26	10	80	45	59
	Net debt	(61)	(94)	(209)	(319)	(238)	(131)	(136)	(194)	(183)	(247)
	Shareholders’ equity	54	267	512	627	471	624	689	824	953	1,121
Returns, %
Returns, %	ROA	(4.29)	12.40	20.36	11.93	(17.15)	11.26	9.68	11.44	12.94	11.27
	ROIC	0.00	27.48	38.32	23.65	(58.65)	26.10	17.72	20.11	20.84	16.67
	ROE	(11.08)	32.06	33.00	19.53	(36.50)	23.65	17.93	22.10	23.76	20.20

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
CPSS Consumer Portfolio Services, Inc.	$200.9M	9.2×	6.8×	+10.59% (above 0%: growing)	+31.82% (above 0%: growing)	+94.93% (above 0%: growing)	100.00%	60.37%	Compare
HTT High Templar Tech Limited - Sponsored ADR	$199.4M	3.5×	— (loss-making)	−90.80% (below 0%: shrinking)	n/m	+347.70% (above 0%: growing)	20.72%	(2,664.81%)	Compare
TROO TROOPS, Inc.	$196.7M	— (loss-making)	—	+10.79% (above 0%: growing)	+101.54% (above 0%: growing)	−94.20% (below 0%: shrinking)	23.83%	0.00%	Compare
XYF X Financial Sponsored ADR	$116.8M	2.3×	—	−53.85% (below 0%: shrinking)	−89.20% (below 0%: shrinking)	+194.87% (above 0%: growing)	57.63%	19.62%
SUIG Sui Group Holdings Limited	$104.5M	— (loss-making)	— (loss-making)	−61.71% (below 0%: shrinking)	n/m	−651.07% (below 0%: shrinking)	100.00%	(5,439.12%)	Compare
LX LexinFintech Holdings Ltd. Sponsored ADR	$90.7M	0.7×	3.1×	−6.21% (below 0%: shrinking)	−78.57% (below 0%: shrinking)	+2,545.55% (above 0%: growing)	15.55%	(3.30%)	Compare
YRD Yirendai Ltd.	$67.7M	— (loss-making)	2.1×	−43.13% (below 0%: shrinking)	n/m	−332.34% (below 0%: shrinking)	78.70%	(39.50%)	Compare
WEI Weidai Ltd. Sponsored ADR	$67.6M	— (loss-making)	—	−36.85% (below 0%: shrinking)	n/m	—	0.00%	0.00%	Compare
ANTA Antalpha Platform Holding Company	$55.9M	3.8×	— (loss-making)	−28.24% (below 0%: shrinking)	n/m	0.00%	56.88%	(205.39%)	Compare
Median of peers	$97.6M	3.7×	3.1×	−32.54%	+31.82%	0.00%	40.35%	(21.40%)

All 55 Credit Services stocks →

X Financial Sponsored ADR (XYF) key facts

Strength: X Financial Sponsored ADR’s revenue for fiscal 2025 (year ended December 2025) was $1.1 billion, up 35.8% from fiscal 2024.
X Financial Sponsored ADR (XYF) is a Credit Services company in the Financial sector, traded in the US as an ADR.
As of October 16, 2026, XYF traded at $4.99, a market capitalization of $116.8 million.
X Financial Sponsored ADR pays an annual dividend of $0.56 per share, a yield of 11.2%, with a payout ratio of 28.6%.
Return on equity was 20.2% and debt-to-equity 0.05.
Its Piotroski F-score is 7 out of 9 for fiscal 2025.