XYF (XYF) financial statements

· Market cap $210M

XYF reported revenue of 7.6B CNY in fiscal 2025, up 47.6% a year over 9 years.

Net income was 1.5B CNY and the operating margin 21.3%, against -59.4% in 2016.

Free cash flow was 1.4B CNY, and the company returned 155M CNY in dividends and 734M CNY in net buybacks.

The diluted share count rose 5% over the period (dilution).

Revenue and free cash flow

Fiscal years, $ billions (CNY).

-2.502.557.5102016201720182019202020212022202320242025RevenueFree cash flow
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Income statement

Fiscal years, in CNY, from XYF's 10-K filings with the SEC.

Fiscal year2016201720182019202020212022202320242025
Revenue230M CNY1.8B CNY3.5B CNY3.1B CNY2.2B CNY3.6B CNY3.6B CNY4.8B CNY5.9B CNY7.6B CNY
Cost of revenue259M CNY760M CNY1.2B CNY1.6B CNY2.1B CNY2.0B CNY1.3B CNY1.5B CNY1.7B CNY2.0B CNY
Gross profit-29M CNY1.0B CNY2.4B CNY1.5B CNY121M CNY1.7B CNY2.2B CNY3.3B CNY4.1B CNY5.6B CNY
Selling, general and admin100M CNY175M CNY426M CNY331M CNY215M CNY209M CNY159M CNY166M CNY176M CNY200M CNY
Operating income-137M CNY502M CNY1.3B CNY813M CNY-1.4B CNY1.3B CNY1.2B CNY1.5B CNY1.9B CNY1.6B CNY
Pre-tax income-147M CNY479M CNY1.1B CNY664M CNY-1.6B CNY1.2B CNY1.2B CNY1.5B CNY1.9B CNY1.7B CNY
Income tax-27M CNY138M CNY-210M CNY-93M CNY-300M CNY369M CNY396M CNY261M CNY406M CNY292M CNY
Net income-120M CNY340M CNY883M CNY774M CNY-1.3B CNY825M CNY812M CNY1.2B CNY1.5B CNY1.5B CNY
EPS (diluted)-0.50 CNY1.22 CNY2.91 CNY2.42 CNY-4.07 CNY2.45 CNY2.52 CNY4.08 CNY5.25 CNY5.87 CNY
Diluted shares238M280M304M320M321M337M322M291M293M249M
Gross margin-12.5%57.5%66.5%47.1%5.5%45.9%62.5%67.9%70.4%73.6%
Operating margin-59.4%28.1%36.0%26.3%-65.2%36.2%34.1%30.4%31.9%21.3%
Net margin-51.9%19.0%24.9%25.1%-59.7%22.8%22.8%24.6%26.2%19.2%

Balance sheet

Fiscal years, in CNY, from XYF's 10-K filings with the SEC.

Fiscal year2016201720182019202020212022202320242025
Cash and short-term investments504M CNY671M CNY1.1B CNY1.0B CNY752M CNY585M CNY602M CNY1.2B CNY985M CNY988M CNY
Property, plant and equipment—21M CNY23M CNY20M CNY11M CNY6M CNY6M CNY9M CNY16M CNY24M CNY
Total assets—3.9B CNY4.6B CNY8.3B CNY7.5B CNY7.3B CNY8.8B CNY11.7B CNY11.8B CNY14.7B CNY
Total liabilities—2.1B CNY1.1B CNY3.9B CNY4.4B CNY3.4B CNY4.1B CNY5.8B CNY4.9B CNY6.8B CNY
Shareholders' equity377M CNY1.8B CNY3.5B CNY4.4B CNY3.1B CNY4.0B CNY4.8B CNY5.8B CNY7.0B CNY7.8B CNY
Net debt-504M CNY-671M CNY-1.1B CNY-1.0B CNY-746M CNY-585M CNY-602M CNY-1.2B CNY-985M CNY-988M CNY

Cash flow

Fiscal years, in CNY, from XYF's 10-K filings with the SEC.

Fiscal year2016201720182019202020212022202320242025
Operating cash flow83M CNY-615M CNY5M CNY601M CNY-679M CNY449M CNY627M CNY1.4B CNY1.5B CNY1.5B CNY
Capital spending3M CNY21M CNY39M CNY15M CNY5M CNY3M CNY6M CNY8M CNY14M CNY22M CNY
Free cash flow79M CNY-636M CNY-33M CNY585M CNY-685M CNY447M CNY621M CNY1.4B CNY1.5B CNY1.4B CNY
Stock-based compensation38M CNY74M CNY172M CNY157M CNY80M CNY88M CNY54M CNY43M CNY40M CNY61M CNY
Dividends paid———103M CNY—0 CNY0 CNY58M CNY117M CNY155M CNY
Share buybacks (net)—————0 CNY-147M CNY-25M CNY-182M CNY-734M CNY
Free cash flow margin34.4%-35.6%-0.9%19.0%-31.2%12.3%17.4%28.7%25.7%18.9%
Dividends per share———0.32 CNY———0.20 CNY0.40 CNY0.62 CNY
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Questions

What was XYF's revenue in 2025?

7.6B CNY in fiscal 2025, from its 10-K filing.

How much free cash flow does XYF generate?

1.4B CNY in fiscal 2025 (operating cash flow minus capital spending).

From XYF's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.