X Financial (XYF) Income Statement
XYF 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsXYF revenue and net income
Where XYF's revenue goes
2025Each bar shows an amount and its share of revenue. XYF kept 19.2% of revenue as net income.
XYF profit margins
XYF growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | — | — | — | — |
| Gross profit | — | — | — | — |
| Operating income | — | — | — | — |
| Net income | — | — | — | — |
| EPS (diluted) | — | — | — | — |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
XYF quarterly EPS vs estimates
Next report: November 19, 2026.
XYF income statement
| 2025 | |
|---|---|
| Revenue | $7.43B |
| Cost of revenue | $1.97B |
| Gross profit | $5.47B |
| Sales, general & admin | $2.40B |
| Total operating expenses | $3.87B |
| Operating income | $1.59B |
| Interest income | $12.3M |
| Interest expense | $3.4M |
| Income before taxes | $1.71B |
| Income taxes | $283.7M |
| Net income | $1.42B |
| EBITDA | $1.72B |
| EPS (diluted) | $4.86 |
| Gross margin | 73.6% |
| Operating margin | 21.4% |
| Net margin | 19.2% |
| Dec '25 | |
|---|---|
| Revenue | $1.45B |
| Cost of revenue | $498.4M |
| Gross profit | $949.2M |
| Sales, general & admin | $258.3M |
| Total operating expenses | $929.3M |
| Operating income | $19.9M |
| Interest income | $6.0M |
| Interest expense | $14.7M |
| Income before taxes | $40.7M |
| Income taxes | −$15.6M |
| Net income | $56.4M |
| EBITDA | $51.9M |
| EPS (diluted) | $0.20 |
| Gross margin | 65.6% |
| Operating margin | 1.4% |
| Net margin | 3.9% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in XYF's financial statements (latest annual report filed April 30, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
XYF financial results
In fiscal year 2025 (ended December 31, 2025), X Financial reported revenue of $7.4 billion. It had net income of $1.4 billion, a net profit margin of 19.2%. Diluted earnings per share came to $4.86.
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XYF income statement FAQ
What is X Financial's annual revenue?
X Financial reported total revenue of $7.4 billion for fiscal year 2025, which ended on December 31, 2025.
Is X Financial profitable?
Yes. X Financial reported net income of $1.4 billion in fiscal 2025, a net profit margin of 19.2%; its operating margin was 21.4%.
What is X Financial's gross margin?
X Financial's gross margin was 73.6% in fiscal 2025: for every $100 of revenue, X Financial kept $74 after the direct cost of its products and services.
What are X Financial's earnings per share?
X Financial earned $4.86 per diluted share in fiscal 2025.
When will X Financial report its next earnings?
X Financial is expected to report results for the quarter ending September 30, 2026 on November 19, 2026.
When does X Financial's fiscal year end?
X Financial's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on April 30, 2026.