XYF
X Financial Class A
NYSE: XYF · FINANCIAL SERVICES · CREDIT SERVICES
$4.72
-4.45% today
Updated 2026-04-30
Market cap
$193.87M
P/E ratio
0.96
P/S ratio
0.03x
EPS (TTM)
$5.16
Dividend yield
11.30%
52W range
$3 – $20
Volume
0.2M
X Financial Class A (XYF) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $-39.17M | $1.00B | $2.17B | $1.28B | $-61.50M | $1.51B | $2.32B | $3.28B | $5.87B | $7.43B |
| Revenue growth (YoY) | — | +2662.2% | +116.3% | -41.1% | -104.8% | +2558.4% | +53.7% | +41.1% | +79.2% | +26.6% |
| Cost of revenue | $8.10M | $350.28M | $653.71M | $310.01M | $1.34B | $144.95M | $1.00B | $1.68B | $1.96B | $1.97B |
| Gross profit | $-47.27M | $653.31M | $1.52B | $968.47M | $-1.40B | $1.37B | $1.32B | $1.60B | $3.91B | $5.47B |
| Gross margin | 120.7% | 65.1% | 69.9% | 75.8% | 2275.4% | 90.4% | 56.9% | 48.8% | 66.6% | 73.6% |
| R&D | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $61.71M | $98.24M | $220.02M | $227.48M | $179.23M | $187.86M | $143.23M | $153.94M | $175.93M | $442.28M |
| Operating income | $-147.20M | $478.58M | $1.08B | $663.92M | $-1.60B | $1.19B | $1.22B | $1.47B | $1.87B | $1.59B |
| Operating margin | 375.8% | 47.7% | 50.0% | 51.9% | 2604.1% | 78.8% | 52.5% | 44.8% | 31.9% | 21.4% |
| EBITDA | $-144.14M | $483.94M | $1.09B | $675.30M | $-1.59B | $1.20B | $1.23B | $1.47B | $3.71B | $1.71B |
| EBITDA margin | 368.0% | 48.2% | 50.4% | 52.8% | 2584.7% | 79.3% | 52.8% | 45.0% | 63.1% | 23.0% |
| EBIT | $-147.20M | $478.58M | $1.08B | $663.92M | $-1.60B | $1.19B | $1.22B | $1.47B | $3.70B | — |
| Interest expense | $0.00 | $0.00 | $222.00 | $235.00 | $4.22B | $19.39B | $833.11M | $1.37B | $1.58B | $3.37M |
| Income tax | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $-119.57M | $340.28M | $883.11M | $774.28M | $-1.31B | $825.41M | $812.00M | $1.19B | $1.54B | $1.42B |
| Net income growth (YoY) | — | +384.6% | +159.5% | -12.3% | -269.0% | +163.1% | -1.6% | +46.2% | +29.8% | -7.5% |
| Profit margin | 305.3% | 33.9% | 40.7% | 60.6% | 2127.6% | 54.6% | 35.0% | 36.2% | 26.2% | 19.2% |