# X Financial (XYF)

> Financial Services · CN · Reports in CNY

Fundamental indicators from Sponda, adjusted for inflation.

[HTML version](https://sponda.capital/en/XYF/fundamentals)

## Annual figures

| Year | Revenue (M) | Net Inc. (M) | FCF (M) | Debt (M) | Equity (M) |
| --- | --- | --- | --- | --- | --- |
| 2025 | ¥ 6.62B | ¥ 1.46B | ¥ 0 | ¥ 409.79M | ¥ 7.84B |
| 2024 | ¥ 4.06B | ¥ 1.55B | ¥ 0 | ¥ 341.23M | ¥ 6.95B |
| 2023 | ¥ 2.89B | ¥ 1.19B | ¥ 0 | ¥ 577.85M | ¥ 5.85B |
| 2022 | ¥ 1.54B | ¥ 814.35M | ¥ 3,070.20B | ¥ 81.51M | ¥ 4.75B |
| 2021 | ¥ 1.53B | ¥ 826.11M | ¥ 597.78B | ¥ 178.83M | ¥ 3.98B |
| 2020 | ¥ -63.68M | ¥ -1.35B | ¥ -708,849.57B | ¥ 367.42M | ¥ 3.07B |
| 2019 | ¥ 1.42B | ¥ 851.48M | ¥ 0 | ¥ 20.21M | ¥ 4.37B |
| 2018 | ¥ 2.35B | ¥ 957.32M | ¥ 185.01M | ¥ 198.00M | ¥ 3.52B |
| 2017 | ¥ 1.44B | ¥ 375.93M | ¥ -466.06M | ¥ 0 | ¥ 1.76B |

Columns not available in this view: annualPriceMultiples, dividends. They require live market data and are shown on the HTML page instead.

## Leverage and liquidity

| Indicator | Value |
| --- | --- |
| Gross Debt / Eq | 0.05 |
| Liabilities / Eq | 0.87 |
| Current Ratio | 15.93 |

## Debt coverage

| Indicator | Value |
| --- | --- |
| Gross Debt / Earnings | 0.55 |

## Other views

- [Metrics](https://sponda.capital/en/XYF.md)
- [Charts](https://sponda.capital/en/XYF/charts.md)
- [Compare](https://sponda.capital/en/XYF/compare.md)
- [Indicator definitions](https://sponda.capital/en/screener.md)

Data as of 2026-08-23.