X Financial Class A

Financial Services · Credit Services

5.00$ +0.8% vs. previous close Closing price · As of: Oct 5, 2026

Statements

Income Statement

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), "Revenue" came in at 991 million CNY. Tick rows to compare them in a chart.

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Amounts Change % Common size % Per share

Last 12 Full history

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All figures in millions of CNY.

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Income Statement 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	LTM
Revenue	33	205	400	245	455	458	726	501	482	419	350	358	145	-22	-175	-10	152	301	353	446	412	408	312	351	467	649	864	972	579	785	944	1,083	1,709	1,938	2,273	1,961	1,448	1,169	991	5,568
Cost of Revenue	37	112	188	60	164	160	210	158	0.0	74	64	89	420	152	143	60	551	36	24	26	386	61	52	7.4	–	291	391	519	488	366	455	566	435	479	514	626	498	482	420	2,027
Gross Profit	-29	93	212	185	291	297	516	343	482	345	287	270	145	-174	-317	-70	152	265	329	420	412	348	260	343	467	357	474	453	90	419	489	517	1,274	1,458	1,759	1,334	949	687	571	3,541
Research & Development	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Selling, General & Administrative	15	11	15	21	43	40	43	68	70	56	56	57	53	48	59	36	36	43	44	39	62	45	41	43	42	36	33	40	38	30	30	49	553	52	50	52	46	47	46	192
Total Operating Expenses	367	19	169	44	71	90	104	113	2,265,395	86	81	82	2,265,395	54	71	38	2,265,395	41	49	35	2,275,470	30	40	40	54	27	30	35	43	34	40	43	1,180	896	1,094	973	929	547	377	2,825
Operating Income	-137	74	45	141	221	207	412	230	1,275,205	259	205	188	1,275,205	-228	-388	-108	1,275,205	224	280	385	285	318	220	303	1,310,192	331	444	417	377	384	449	473	529	562	665	362	20	140	194	716
Interest Expense	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	4,225	0.0	0.0	0.0	4,225	4,225	–	–	4,225	0.0	–	–	16	3.2	–	–	19,709	272	332	420	248	248	324	507	504	709	756	525	15	2.1	1.6	543
Pre-Tax Income	-147	74	43	141	221	207	412	230	236	259	205	188	11	-228	-388	-111	-877	226	281	387	301	321	228	303	383	337	453	421	426	428	505	476	491	575	639	501	41	109	101	753
Income Tax Expense	-27	23	13	41	61	65	114	34	-3.7	54	-107	27	-66	-31	-43	1.6	-227	37	58	119	154	181	42	91	75	53	87	74	65	65	90	100	–	117	111	80	-16	72	54	191
Net Income	-120	52	30	100	158	142	301	198	242	209	316	170	80	-196	-344	-113	-655	189	223	267	146	140	186	212	275	284	366	347	363	363	415	376	386	458	528	421	56	38	47	562
EBITDA	–	75	119	141	221	209	417	230	238	259	205	188	76	-228	-388	-108	-882	224	280	385	284	318	220	303	350	331	444	417	674	384	449	473	–	562	665	1,223	52	112	103	1,490

LTM = last twelve months (sum of the four most recent quarters).

Data as of: October 5, 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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