Stocktoria
X Financial XYF
NYSE · stock · Finance Services · website · IPO 2018-09-19
X Financial financials (annual)
Bars are annual figures from 2017 to 2025; red bars are negative (a loss or cash outflow).
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.1B | $804.4M | $678.2M | $516.6M | $569.1M | $336.1M | $443.6M | $515.0M | $1.8B |
| Operating income | $233.1M | $256.7M | $202.5M | $156.9M | $205.7M | -$219.2M | $116.7M | $185.5M | $501.7M |
| Income tax | $41.7M | $55.6M | $35.1M | $56.5M | $57.9M | $46.0M | -$13.4M | $30.5M | $138.2M |
| Net income | $209.4M | $211.0M | $167.2M | $117.7M | $129.5M | -$200.5M | $111.2M | $128.4M | $340.3M |
| EPS (diluted) | $0.84 | $0.72 | $0.57 | $0.37 | $0.38 | $-0.62 | $0.35 | $0.42 | $1.22 |
| Operating cash flow | $209.9M | $208.7M | $114.7M | $46.8M | $70.5M | -$104.1M | $86.3M | $778,729 | -$615.3M |
| Free cash flow | $206.7M | $206.8M | $113.5M | $45.9M | $70.1M | -$104.9M | $84.1M | -$4.8M | -$636.0M |
| Cash & equivalents | $141.2M | $134.9M | $168.4M | $87.3M | $91.8M | $114.4M | $144.5M | $155.5M | $671.4M |
| Total assets | $2.1B | $1.6B | $1.6B | $1.3B | $1.2B | $1.1B | $1.2B | $674.4M | $3.9B |
| Total liabilities | $976.5M | $666.7M | $817.3M | $592.2M | $528.2M | $677.7M | $562.1M | $162.7M | $2.1B |
| Shareholders' equity | $1.1B | $994.3M | $823.6M | $689.2M | $624.1M | $482.7M | $669.3M | $511.5M | $1.8B |
Growth · year-over-year · Revenue CAGR -6%
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue growth | +35.8% | +18.6% | +31.3% | -9.2% | +69.3% | -24.2% | -13.9% | -71.2% | — |
| Net income growth | -0.7% | +26.2% | +42.0% | -9.1% | — | -280.3% | -13.4% | -62.3% | — |
| EPS growth | +16.7% | +26.3% | +54.1% | -2.6% | — | -277.1% | -16.7% | -65.6% | — |
| Free cash flow growth | -0.0% | +82.2% | +147.2% | -34.5% | — | -224.8% | — | — | — |
Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.