X Financial Class A

Financial Services · Credit Services

5.10$ -4.2% vs. previous close Closing price · As of: Oct 8, 2026

Statements

Balance Sheet

X Financial Class A (XYF) by the numbers: income statement, balance sheet and cash flow, by year or by quarter. In the most recent period (Q2 26), "Total Assets" came in at 12,107 million CNY. Tick rows to compare them in a chart.

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Amounts Change % Common size %

Last 12 Full history

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All figures in millions of CNY.

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Balance Sheet XYF
Line item	Q4 16	Q1 17	Q2 17	Q3 17	Q4 17	Q1 18	Q2 18	Q3 18	Q4 18	Q1 19	Q2 19	Q3 19	Q4 19	Q1 20	Q2 20	Q3 20	Q4 20	Q1 21	Q2 21	Q3 21	Q4 21	Q1 22	Q2 22	Q3 22	Q4 22	Q1 23	Q2 23	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26
Total Assets	242	–	3,424	3,888	3,888	3,752	3,738	4,195	4,637	4,637	6,810	7,579	8,300	8,300	8,124	8,138	7,532	7,532	7,181	7,212	7,343	7,343	8,407	8,673	8,838	9,328	10,417	11,161	12,139	12,139	11,975	11,620	11,819	12,093	13,688	14,689	14,666	13,556	12,107
Current Assets	1,596	504	3,317	3,314	1,864	3,147	2,177	3,124	2,448,654,493	2,448,654,493	2,115	2,097	1,777,134,500	1,777,134,500	2,427	2,482	1,159,695,516	1,159,695,516	3,241	3,347	3,002	3,002	3,126	3,207	3,535	8,463	9,512	10,158	10,762	4,610	4,712	11,708	10,512	10,850	12,262	12,329	12,335	6,254	4,221
Cash	73	-504	635	671	671	617	623	1,464	860	860	931	931	1,006	1,006	2,180	2,175	1,654	1,654	2,478	2,458	2,085	2,085	2,395	2,285	2,373	2,806	3,080	3,257	3,009	3,009	3,201	2,784	985	1,389	1,153	891	988	3,765	2,843
Cash & Short-Term Investments	–	504	635	–	671	617	623	1,464	1,069	1,069	931	931	1,525	1,525	2,180	2,175	1,660	1,660	2,508	2,458	2,168	2,168	2,395	2,285	2,373	921	1,320	1,428	1,413	3,009	3,201	2,784	–	1,389	1,153	891	988	3,765	2,843
Receivables	880	–	665	1,787	1,111	1,217	1,554	1,450	1,399	1,399	1,184	1,166	771	771	247	306	413	413	733	888	747	747	731	922	1,162	1,272	1,494	1,741	1,601	1,601	1,511	1,709	2,030	6,622	8,179	8,686	8,459	6,817	1,378
Inventory	23	–	0.0	–	-82	0.0	0.0	-20	0.0	0.0	0.0	0.0	–	0.0	-6,570	-6,537	–	1,159,688,123	0.0	-4,510	–	-4,924	-6,036	-6,137	–	-58	-27	-28	-28	-28	-7,267	–	–	–	–	–	–	–	–
Property, Plant & Equipment	0.9	–	–	21	3.2	3.4	3.1	0.1	3.4	23	22	22	82	18	16	13	11	9.3	8.1	6.1	6.2	4.8	5.4	5.3	–	–	7.5	8.5	–	–	–	–	–	17	19	21	24	–	–
Goodwill	–	–	–	–	–	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-380	-380	–	–	-258	-258	–	–	-99	-99	–	–	0.0	0.0	–	–	–	–	–	–	–	37	37	38	–	–	–
Intangible Assets	0.1	–	0.8	1.6	1.6	1.4	1.3	28	28	28	32	33	415	415	38	38	295	295	37	37	136	136	36	37	37	36	36	37	37	5.1	5.0	36	37	37	37	38	39	39	38
Total Liabilities	188	–	320	2,122	2,122	741	1,442	997	1,119	1,119	2,790	3,382	3,932	3,932	4,232	4,385	4,456	4,456	3,655	3,391	3,366	3,366	4,045	4,143	4,084	4,285	5,040	5,444	5,916	5,916	5,321	4,724	4,866	4,658	5,967	6,760	6,829	5,816	4,348
Current Liabilities	284	–	320	776	277	741	63	206	332,129,068	332,129,068	400	399	58,085,777	58,085,777	341	322	423,622,245	423,622,245	175	75	250	250	20	90	70	4,142	4,890	5,084	5,565	466	533	527	4,572	4,430	5,568	6,083	5,950	353	396
Short-Term Debt	107	–	–	–	–	0.0	0.0	0.0	198	198	400	399	–	341	341	322	351	351	175	75	167	167	20	90	70	463	663	558	435	435	475	434	–	604	402	566	410	353	396
Accounts Payable	105	–	–	–	55	0.0	63	0.0	75	75	0.0	0.0	103	103	–	–	127	127	–	–	83	83	–	–	195	195	–	–	180	180	–	2,407	2,184	1,719	2,455	2,857	3,055	2,408	1,584
Long-Term Debt	–	–	–	–	–	0.0	232	1.9	0.1	18	16	11	17	32	21	10	9.8	1,398	1,285	1,394	1,487	2,158	2,308	2,510	–	–	–	–	–	–	–	–	188	1,909	2,777	3,427	3,803	–	–
Shareholders' Equity	54	377	1,375	1,762	1,762	1,931	2,293	3,195	3,517	3,517	4,019	4,195	4,366	4,366	3,891	3,752	3,075	3,075	3,526	3,820	3,977	3,977	4,361	4,530	4,753	5,043	5,377	5,717	6,222	6,222	6,654	6,897	6,953	7,435	7,721	7,929	7,837	7,740	7,758
Retained Earnings	-583	–	-502	-243	-243	-101	200	398	640	640	1,054	1,186	1,311	1,311	771	658	-15	-15	402	681	811	811	1,136	1,348	1,623	1,907	2,215	2,562	3,055	3,055	3,470	3,789	4,175	4,633	5,084	5,507	5,484	5,428	5,498
Shares Outstanding	–	7.1	7.3	8.3	8.2	8.4	50	8.4	53	53	54	54	54	54	53	54	54	54	57	57	56	56	57	55	53	8.2	8.2	8.3	8.2	8.2	8.3	8.1	251	7.2	7.3	7.0	6.6	6.6	6.3

Data as of: October 8, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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