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X Financial (XYF)

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4.710
+0.130+2.84%

Close Apr 16 16:00 ET

4.710
0.0000.00%

Post 19:37 ET

184.10MMarket Cap0.91P/E (TTM)

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

X Financial (XYF) Cash Flow

Quarterly+Annual

YOY

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(FY)Dec 31, 2024

(FY)Dec 31, 2023

(FY)Dec 31, 2022

(FY)Dec 31, 2021

(FY)Dec 31, 2020

(FY)Dec 31, 2019

(FY)Dec 31, 2018

(FY)Dec 31, 2017

(FY)Dec 31, 2016

Operating cash flow (Indirect Method)

Cash flow from continuing operating activities

9.48%1.52B

122.00%1.39B

39.54%626.78M

166.13%449.17M

-213.10%-679.23M

11,116.84%600.57M

100.87%5.35M

-845.25%-615.33M

82.57M

Net income from continuing operations

29.75%1.54B

46.16%1.19B

-1.62%812M

163.08%825.41M

-268.95%-1.31B

-12.30%774.48M

160.11%883.06M

382.49%339.49M

---120.18M

Operating gains losses

3.39%-28.39M

61.84%-29.38M

-146.16%-77M

-2.18%166.82M

-29.37%170.54M

25.16%241.45M

1,005.98%192.92M

176.94%17.44M

--6.3M

Depreciation and amortization

36.84%7.2M

-20.85%5.26M

-18.31%6.65M

-31.72%8.14M

4.71%11.92M

18.11%11.38M

79.55%9.64M

75.35%5.37M

--3.06M

Deferred tax

-55.13%-27.25M

-108.68%-17.57M

-39.32%202.31M

333.89%333.42M

13.56%-142.55M

-5,115.31%-164.91M

98.77%-3.16M

---257.12M

----

Other non cashItems

-13,894.03%-89.83M

-90.46%651.23K

-4.51%6.83M

-87.32%7.15M

-76.66%56.4M

95.53%241.61M

120.55%123.56M

-653.38%-601.34M

---79.82M

Change in working capital

-242.40%-428.44M

77.02%-125.13M

51.56%-544.47M

-27.25%-1.12B

8.26%-883.25M

46.80%-962.81M

-401.50%-1.81B

-258.83%-360.88M

--227.21M

-Change in receivables

20.44%-405.69M

-16.88%-509.91M

-6.04%-436.27M

-286.30%-411.42M

-42.93%220.84M

156.46%386.95M

39.82%-685.34M

-1,091.50%-1.14B

---95.58M

-Change in prepaid assets

80.72%14.32M

-93.49%7.92M

473.46%121.76M

-82.86%21.23M

162.85%123.9M

-2,960.88%-197.14M

45.65%-6.44M

78.84%-11.85M

---56.01M

-Change in payables and accrued expense

-21.20%256.93M

19.32%326.07M

66.81%273.28M

193.00%163.83M

-1,286.09%-176.15M

-77.19%-12.71M

-101.32%-7.17M

239.69%545.23M

--160.51M

-Change in loans

-216.29%-28.3M

208.97%24.34M

97.39%-22.34M

-3,653.13%-854.59M

58.91%24.05M

-48.07%15.13M

116.51%29.15M

-1,105.04%-176.5M

---14.65M

-Change in deferred charges

153.51%118.13M

--46.6M

--0

----

---33.15M

-Change in other current assets

-787.77%-1.08M

-107.75%-121.12K

860.78%1.56M

-38.82%162.65K

-11.36%265.85K

109.82%299.93K

-118.10%-3.05M

82.63%-1.4M

---8.06M

-Change in other current liabilities

-1,966.53%-116M

-140.10%-5.61M

243.01%14M

-22.63%-9.79M

-133.23%-7.98M

99.35%-3.42M

-217.94%-524.27M

388.65%444.51M

--90.97M

-Change in other working capital

-1,751.58%-266.73M

97.10%-14.41M

-1,387.82%-496.46M

96.88%-33.37M

7.27%-1.07B

-88.01%-1.15B

-2,674.63%-612.7M

-112.05%-22.08M

--183.19M

Cash from discontinued operating activities

Operating cash flow

9.48%1.52B

122.00%1.39B

39.54%626.78M

166.13%449.17M

-213.10%-679.23M

11,116.84%600.57M

100.87%5.35M

-845.25%-615.33M

--82.57M

Investing cash flow

Cash flow from continuing investing activities

107.25%122.03M

-38.29%-1.68B

48.14%-1.22B

36.63%-2.35B

-20.30%-3.7B

-845.94%-3.08B

3,919.55%412.87M

98.53%-10.81M

-734.72M

Net investment purchase and sale

157.16%242.45M

-406.83%-424.15M

76.21%-83.69M

-3,603.62%-351.84M

---9.5M

--0

-484.42%-225M

-80.75%-38.5M

---21.3M

Net proceeds payment for loan

91.50%-106.3M

-1.90%-1.25B

42.99%-1.23B

43.48%-2.15B

-41.91%-3.81B

-496.86%-2.68B

1,299.67%676.5M

106.81%48.33M

---710M

Net PPE purchase and sale

-67.04%-14.12M

-39.68%-8.45M

-153.84%-6.05M

54.91%-2.38M

64.82%-5.29M

61.10%-15.03M

-87.13%-38.63M

-504.23%-20.64M

---3.42M

Net intangibles purchase and sale

--0

-37.50%100M

33.33%160M

131.58%120M

---380M

--0

----

Cash from discontinued investing activities

Investing cash flow

107.25%122.03M

-38.29%-1.68B

48.14%-1.22B

36.63%-2.35B

-20.30%-3.7B

-845.94%-3.08B

3,919.55%412.87M

98.53%-10.81M

---734.72M

Financing cash flow

Cash flow from continuing financing activities

-257.66%-1.94B

112.97%1.23B

-55.71%576.35M

-71.02%1.3B

65.64%4.49B

1,391.39%2.71B

-78.10%181.79M

7.09%830.15M

775.16M

Net issuance payments of debt

-147.80%-236.5M

613.85%494.79M

47.68%-96.29M

-152.50%-184.05M

277.04%350.55M

-200.00%-198M

285.66%198M

-1,742.11%-106.65M

---5.79M

Net commonstock issuance

-632.54%-182.2M

83.05%-24.87M

---146.74M

--0

---68.94K

--0

-31.80%681.99M

--1B

--0

Cash dividends paid

-99.72%-116.64M

---58.4M

--0

----

---103.2M

--0

----

Proceeds from stock option exercised by employees

-88.86%122.51K

296.48%1.1M

-90.63%277.34K

383.16%2.96M

-89.85%612.53K

--6.04M

--0

----

Net other financing activities

-271.81%-1.4B

-0.52%814.84M

-44.74%819.11M

-64.19%1.48B

37.70%4.14B

530.59%3.01B

-1,004.75%-698.2M

-108.09%-63.2M

--780.95M

Cash from discontinued financing activities

Financing cash flow

-257.66%-1.94B

112.97%1.23B

-55.71%576.35M

-71.02%1.3B

65.64%4.49B

1,391.39%2.71B

-78.10%181.79M

7.09%830.15M

--775.16M

Net cash flow

Beginning cash position

93.11%1.94B

1.50%1.01B

-37.94%992.04M

5.14%1.6B

18.99%1.52B

86.81%1.28B

35.52%683.98M

38.86%504.7M

--363.45M

Current changes in cash

-130.98%-289.76M

6,624.37%935.26M

97.60%-14.33M

-659.99%-597.11M

-54.03%106.63M

-61.34%231.97M

194.10%600.01M

65.85%204.02M

--123.01M

Effect of exchange rate changes

201.50%6.89M

-92.18%2.29M

412.12%29.26M

67.01%-9.37M

-367.44%-28.41M

269.07%10.62M

74.60%-6.28M

-235.69%-24.74M

--18.23M

End cash position

-14.55%1.66B

93.11%1.94B

1.50%1.01B

-37.94%992.04M

5.14%1.6B

18.99%1.52B

86.81%1.28B

35.52%683.98M

--504.7M

Free cash flow

9.12%1.51B

122.80%1.38B

39.00%620.73M

165.23%446.55M

-433.26%-684.6M

717.26%205.42M

94.77%-33.28M

-903.59%-635.97M

--79.14M

Currency Unit

CNY

Accounting Standards

US-GAAP

Audit Opinions

Unqualified Opinion

Unqualified Opinion with Explanatory Notes

Unqualified Opinion

Unqualified Opinion with Explanatory Notes

Unqualified Opinion

	(FY)Dec 31, 2024	(FY)Dec 31, 2023	(FY)Dec 31, 2022	(FY)Dec 31, 2021	(FY)Dec 31, 2020	(FY)Dec 31, 2019	(FY)Dec 31, 2018	(FY)Dec 31, 2017	(FY)Dec 31, 2016
Operating cash flow (Indirect Method)
Cash flow from continuing operating activities	9.48%1.52B	122.00%1.39B	39.54%626.78M	166.13%449.17M	-213.10%-679.23M	11,116.84%600.57M	100.87%5.35M	-845.25%-615.33M	82.57M
Net income from continuing operations	29.75%1.54B	46.16%1.19B	-1.62%812M	163.08%825.41M	-268.95%-1.31B	-12.30%774.48M	160.11%883.06M	382.49%339.49M	---120.18M
Operating gains losses	3.39%-28.39M	61.84%-29.38M	-146.16%-77M	-2.18%166.82M	-29.37%170.54M	25.16%241.45M	1,005.98%192.92M	176.94%17.44M	--6.3M
Depreciation and amortization	36.84%7.2M	-20.85%5.26M	-18.31%6.65M	-31.72%8.14M	4.71%11.92M	18.11%11.38M	79.55%9.64M	75.35%5.37M	--3.06M
Deferred tax	-55.13%-27.25M	-108.68%-17.57M	-39.32%202.31M	333.89%333.42M	13.56%-142.55M	-5,115.31%-164.91M	98.77%-3.16M	---257.12M	----
Other non cashItems	-13,894.03%-89.83M	-90.46%651.23K	-4.51%6.83M	-87.32%7.15M	-76.66%56.4M	95.53%241.61M	120.55%123.56M	-653.38%-601.34M	---79.82M
Change in working capital	-242.40%-428.44M	77.02%-125.13M	51.56%-544.47M	-27.25%-1.12B	8.26%-883.25M	46.80%-962.81M	-401.50%-1.81B	-258.83%-360.88M	--227.21M
-Change in receivables	20.44%-405.69M	-16.88%-509.91M	-6.04%-436.27M	-286.30%-411.42M	-42.93%220.84M	156.46%386.95M	39.82%-685.34M	-1,091.50%-1.14B	---95.58M
-Change in prepaid assets	80.72%14.32M	-93.49%7.92M	473.46%121.76M	-82.86%21.23M	162.85%123.9M	-2,960.88%-197.14M	45.65%-6.44M	78.84%-11.85M	---56.01M
-Change in payables and accrued expense	-21.20%256.93M	19.32%326.07M	66.81%273.28M	193.00%163.83M	-1,286.09%-176.15M	-77.19%-12.71M	-101.32%-7.17M	239.69%545.23M	--160.51M
-Change in loans	-216.29%-28.3M	208.97%24.34M	97.39%-22.34M	-3,653.13%-854.59M	58.91%24.05M	-48.07%15.13M	116.51%29.15M	-1,105.04%-176.5M	---14.65M
-Change in deferred charges	153.51%118.13M	--46.6M	--0	--0	----	----	----	----	---33.15M
-Change in other current assets	-787.77%-1.08M	-107.75%-121.12K	860.78%1.56M	-38.82%162.65K	-11.36%265.85K	109.82%299.93K	-118.10%-3.05M	82.63%-1.4M	---8.06M
-Change in other current liabilities	-1,966.53%-116M	-140.10%-5.61M	243.01%14M	-22.63%-9.79M	-133.23%-7.98M	99.35%-3.42M	-217.94%-524.27M	388.65%444.51M	--90.97M
-Change in other working capital	-1,751.58%-266.73M	97.10%-14.41M	-1,387.82%-496.46M	96.88%-33.37M	7.27%-1.07B	-88.01%-1.15B	-2,674.63%-612.7M	-112.05%-22.08M	--183.19M
Cash from discontinued operating activities
Operating cash flow	9.48%1.52B	122.00%1.39B	39.54%626.78M	166.13%449.17M	-213.10%-679.23M	11,116.84%600.57M	100.87%5.35M	-845.25%-615.33M	--82.57M
Investing cash flow
Cash flow from continuing investing activities	107.25%122.03M	-38.29%-1.68B	48.14%-1.22B	36.63%-2.35B	-20.30%-3.7B	-845.94%-3.08B	3,919.55%412.87M	98.53%-10.81M	-734.72M
Net investment purchase and sale	157.16%242.45M	-406.83%-424.15M	76.21%-83.69M	-3,603.62%-351.84M	---9.5M	--0	-484.42%-225M	-80.75%-38.5M	---21.3M
Net proceeds payment for loan	91.50%-106.3M	-1.90%-1.25B	42.99%-1.23B	43.48%-2.15B	-41.91%-3.81B	-496.86%-2.68B	1,299.67%676.5M	106.81%48.33M	---710M
Net PPE purchase and sale	-67.04%-14.12M	-39.68%-8.45M	-153.84%-6.05M	54.91%-2.38M	64.82%-5.29M	61.10%-15.03M	-87.13%-38.63M	-504.23%-20.64M	---3.42M
Net intangibles purchase and sale	--0	--0	-37.50%100M	33.33%160M	131.58%120M	---380M	--0	--0	----
Cash from discontinued investing activities
Investing cash flow	107.25%122.03M	-38.29%-1.68B	48.14%-1.22B	36.63%-2.35B	-20.30%-3.7B	-845.94%-3.08B	3,919.55%412.87M	98.53%-10.81M	---734.72M
Financing cash flow
Cash flow from continuing financing activities	-257.66%-1.94B	112.97%1.23B	-55.71%576.35M	-71.02%1.3B	65.64%4.49B	1,391.39%2.71B	-78.10%181.79M	7.09%830.15M	775.16M
Net issuance payments of debt	-147.80%-236.5M	613.85%494.79M	47.68%-96.29M	-152.50%-184.05M	277.04%350.55M	-200.00%-198M	285.66%198M	-1,742.11%-106.65M	---5.79M
Net commonstock issuance	-632.54%-182.2M	83.05%-24.87M	---146.74M	--0	---68.94K	--0	-31.80%681.99M	--1B	--0
Cash dividends paid	-99.72%-116.64M	---58.4M	--0	--0	----	---103.2M	--0	--0	----
Proceeds from stock option exercised by employees	-88.86%122.51K	296.48%1.1M	-90.63%277.34K	383.16%2.96M	-89.85%612.53K	--6.04M	--0	--0	----
Net other financing activities	-271.81%-1.4B	-0.52%814.84M	-44.74%819.11M	-64.19%1.48B	37.70%4.14B	530.59%3.01B	-1,004.75%-698.2M	-108.09%-63.2M	--780.95M
Cash from discontinued financing activities
Financing cash flow	-257.66%-1.94B	112.97%1.23B	-55.71%576.35M	-71.02%1.3B	65.64%4.49B	1,391.39%2.71B	-78.10%181.79M	7.09%830.15M	--775.16M
Net cash flow
Beginning cash position	93.11%1.94B	1.50%1.01B	-37.94%992.04M	5.14%1.6B	18.99%1.52B	86.81%1.28B	35.52%683.98M	38.86%504.7M	--363.45M
Current changes in cash	-130.98%-289.76M	6,624.37%935.26M	97.60%-14.33M	-659.99%-597.11M	-54.03%106.63M	-61.34%231.97M	194.10%600.01M	65.85%204.02M	--123.01M
Effect of exchange rate changes	201.50%6.89M	-92.18%2.29M	412.12%29.26M	67.01%-9.37M	-367.44%-28.41M	269.07%10.62M	74.60%-6.28M	-235.69%-24.74M	--18.23M
End cash position	-14.55%1.66B	93.11%1.94B	1.50%1.01B	-37.94%992.04M	5.14%1.6B	18.99%1.52B	86.81%1.28B	35.52%683.98M	--504.7M
Free cash flow	9.12%1.51B	122.80%1.38B	39.00%620.73M	165.23%446.55M	-433.26%-684.6M	717.26%205.42M	94.77%-33.28M	-903.59%-635.97M	--79.14M
Currency Unit	CNY	CNY	CNY	CNY	CNY	CNY	CNY	CNY	CNY
Accounting Standards	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP
Audit Opinions	Unqualified Opinion	Unqualified Opinion	Unqualified Opinion	Unqualified Opinion with Explanatory Notes	Unqualified Opinion	Unqualified Opinion with Explanatory Notes	Unqualified Opinion with Explanatory Notes	Unqualified Opinion	--

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