X Financial (XYF) quarterly balance sheet — complete assets, liabilities & equity history
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 | Q1'21 |
|---|
| Total Current Assets | 6.53B | 12.42B | 6.46B | 5.93B | 5B | 11.71B | 4.71B | 4.61B | 4.59B | 10.16B | 9.51B | 8.46B | 3.59B | 7.71B | 7.47B | 7.33B | 3.02B | 8.33B | 7.96B | 7.62B |
| Cash & Short-Term Investments | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cash Only | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Short-Term Investments | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Days Sales Outstanding | 197.45 | 146.08 | 144.08 | 137.74 | 139.6 | 136.73 | 149.98 | 188.98 | 398.13 | 153.09 | 145.61 | 168.94 | 205.51 | 216.93 | 215.07 | 165.14 | 190.68 | 167.3 | 170.42 | 151.54 |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Days Inventory Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Current Assets | 0 | 8.37B | 0 | 0 | -144 | 7.17B | 0 | 0 | 0 | 6.99B | 6.7B | 6.27B | 0 | 6.14B | 6.04B | 5.93B | 0 | 4.51B | 4.32B | 4.63B |
| Total Non-Current Assets | 8.15B | 2.27B | 7.23B | 6.17B | 6.82B | 1.65B | 7.26B | 7.53B | 7.06B | 826.54M | 762.35M | 727M | 5.24B | 776.27M | 756.3M | 722.36M | 4.32B | 429.31M | 940.84M | 379.21M |
| Property, Plant & Equipment | 23.92M | 20.82M | 18.53M | 16.77M | 55.07M | 11.57M | 10.42M | 9.55M | 8.64M | 8.55M | 7.46M | 5.92M | 5.86M | 5.33M | 5.43M | 4.84M | 6.19M | 6.13M | 8.05M | 9.32M |
| Fixed Asset Turnover | 64.71x | 99.65x | 99.69x | 40.38x | 36.98x | 98.54x | 94.52x | 86.29x | 45.71x | 121.38x | 129.08x | 110.10x | 83.41x | 65.15x | 60.72x | 74.02x | 64.36x | 62.85x | 40.62x | 29.42x |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 39.21M | 37.81M | 37.15M | 36.51M | 36.59M | 36.24M | 5.02M | 5.12M | 36.81M | 36.51M | 35.93M | 36.16M | 36.55M | 37.15M | 36.34M | 36.32M | 136.05M | 36.88M | 36.65M | 36.97M |
| Long-Term Investments | 5.82B | 1.85B | 5.96B | 5.14B | 1.01B | 1.36B | 6.34B | 6.46B | 6.06B | 781.48M | 718.95M | 684.92M | 4.63B | 733.79M | 714.53M | 681.2M | 3.46B | 386.3M | 382.24M | 332.91M |
| Other Non-Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Assets | 14.68B | 14.69B | 13.69B | 12.09B | 11.82B | 11.62B | 11.98B | 12.14B | 11.65B | 11.16B | 10.42B | 9.33B | 8.84B | 8.67B | 8.41B | 8.24B | 7.34B | 7.21B | 7.18B | 7.01B |
| Asset Turnover | 0.10x | 0.14x | 0.14x | 0.12x | 0.11x | 0.09x | 0.08x | 0.07x | 0.03x | 0.09x | 0.09x | 0.07x | 0.05x | 0.04x | 0.04x | 0.05x | 0.05x | 0.06x | 0.05x | 0.04x |
| Asset Growth % | 24.16% | 26.41% | 14.3% | -0.38% | 1.45% | 4.11% | 14.96% | 30.13% | 31.82% | 28.69% | 23.91% | 13.24% | 20.36% | 20.26% | 17.06% | 17.56% | -2.07% | -11.38% | -11.6% | -11.95% |
| Total Current Liabilities | 409.79M | 2.76B | 479.24M | 651.77M | 742.6M | 526.55M | 533.26M | 465.63M | 899.22M | 5.08B | 4.89B | 4.14B | 367.64M | 3.96B | 3.88B | 3.96B | 343.91M | 3.13B | 3.28B | 3.36B |
| Accounts Payable | 0 | 0 | 0 | 0 | 258.01M | 0 | 0 | 0 | 179.83M | 0 | 0 | 0 | 195.09M | 0 | 0 | 0 | 83.08M | 0 | 0 | 0 |
| Days Payables Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Short-Term Debt | 409.79M | 566.38M | 401.5M | 603.5M | 328.5M | 433.5M | 474.5M | 434.5M | 565M | 557.5M | 662.71M | 462.71M | 70.21M | 90.21M | 20M | 119.5M | 166.5M | 75.05M | 175.05M | 128.05M |
| Deferred Revenue (Current) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Current Liabilities | 0 | 677.83M | 0 | 0 | 12.02M | 0 | 0 | 0 | 19.7M | 467.36M | 430.63M | -3.78B | 19.7M | -3.39B | -3.2B | 791.25M | 21.01M | -2.33B | -2.73B | -3.02B |
| Current Ratio | 15.93x | 4.51x | 13.47x | 9.09x | 6.73x | 22.23x | 8.84x | 9.90x | 5.10x | 2.00x | 1.95x | 2.04x | 9.78x | 1.95x | 1.92x | 1.85x | 8.79x | 2.66x | 2.43x | 2.27x |
| Quick Ratio | 15.93x | 4.51x | 13.47x | 9.09x | 6.73x | 22.23x | 8.84x | 9.90x | 5.10x | 2.00x | 1.95x | 2.04x | 9.78x | 1.95x | 1.92x | 1.85x | 8.79x | 2.66x | 2.43x | 2.27x |
| Cash Conversion Cycle | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Non-Current Liabilities | 6.41B | 4B | 5.49B | 4.01B | 4.12B | 4.2B | 4.79B | 5.45B | 4.9B | 42.82M | 8.73M | 2.73B | 3.72B | 2.78B | 2.72B | 119.5M | 3.02B | 2.02B | 2.38B | 2.75B |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Capital Lease Obligations | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Deferred Tax Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Non-Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | 6.82B | 6.76B | 5.97B | 4.66B | 4.87B | 4.72B | 5.32B | 5.92B | 5.8B | 5.44B | 5.04B | 4.28B | 4.08B | 4.14B | 4.05B | 4.11B | 3.37B | 3.39B | 3.66B | 3.71B |
| Total Debt | 409.79M | 566.38M | 401.5M | 603.5M | 341.23M | 433.5M | 474.5M | 434.5M | 577.85M | 557.5M | 662.71M | 462.71M | 81.51M | 90.21M | 20M | 119.5M | 178.83M | 75.05M | 175.05M | 128.05M |
| Net Debt | -1.73B | -324.48M | -2.89B | -2.91B | -2.6B | -2.35B | -2.73B | -2.57B | -2.32B | -2.7B | -2.42B | -2.34B | -2.29B | -2.19B | -2.37B | -2.1B | -1.91B | -2.38B | -2.3B | -1.88B |
| Debt / Equity | 0.05x | 0.07x | 0.05x | 0.08x | 0.05x | 0.06x | 0.07x | 0.07x | 0.10x | 0.10x | 0.12x | 0.09x | 0.02x | 0.02x | 0.00x | 0.03x | 0.04x | 0.02x | 0.05x | 0.04x |
| Debt / EBITDA | 13.19x | 1.56x | 0.60x | 1.09x | 0.70x | 0.92x | 1.06x | 1.13x | 2.74x | 1.34x | 1.49x | 1.40x | 0.01x | 0.30x | 0.09x | 0.38x | 0.02x | 0.19x | 0.62x | 0.57x |
| Net Debt / EBITDA | -55.53x | -0.89x | -4.34x | -5.24x | -5.30x | -4.96x | -6.07x | -6.70x | -10.99x | -6.47x | -5.45x | -7.09x | -0.27x | -7.25x | -10.78x | -6.62x | -0.16x | -6.19x | -8.22x | -8.37x |
| Interest Coverage | - | 2.33x | 0.88x | 0.78x | 0.97x | 0.93x | 1.39x | 1.55x | - | 0.99x | 1.34x | 1.22x | - | - | - | - | - | - | - | - |
| Total Equity | 7.84B | 7.93B | 7.72B | 7.44B | 6.95B | 6.9B | 6.65B | 6.22B | 5.85B | 5.72B | 5.38B | 5.04B | 4.75B | 4.53B | 4.36B | 4.13B | 3.98B | 3.82B | 3.53B | 3.3B |
| Equity Growth % | 12.78% | 14.97% | 16.03% | 19.49% | 18.92% | 20.62% | 23.75% | 23.39% | 23.01% | 26.21% | 23.29% | 22.17% | 19.52% | 18.59% | 23.68% | 25.25% | 29.29% | 1.78% | -9.39% | -21.9% |
| Book Value per Share | 1184.73 | 1135.89 | 1053.06 | 1026.11 | 867.51 | 849.27 | 797.30 | 754.51 | 714.44 | 692.76 | 658.73 | 616.83 | 538.59 | 495.74 | 462.45 | 437.59 | 422.94 | 401.72 | 373.72 | 356.03 |
| Total Shareholders' Equity | 7.84B | 7.93B | 7.72B | 7.44B | 6.95B | 6.9B | 6.65B | 6.22B | 5.85B | 5.72B | 5.38B | 5.04B | 4.75B | 4.53B | 4.36B | 4.13B | 3.98B | 3.82B | 3.53B | 3.3B |
| Common Stock | 207.13K | 207K | 207K | 207K | 206.79K | 207K | 207K | 207K | 206.79K | 207K | 207K | 207K | 206.79K | 207K | 207K | 207K | 206.79K | 207K | 207K | 207K |
| Retained Earnings | 5.49B | 5.51B | 5.08B | 4.63B | 4.17B | 3.79B | 3.47B | 3.06B | 2.69B | 2.56B | 2.21B | 1.91B | 1.62B | 1.35B | 1.14B | 950.79M | 810.86M | 681.39M | 401.51M | 178.29M |
| Treasury Stock | -968.39M | -904.5M | -685.24M | -503.45M | -509.64M | -155.01M | -101.79M | -106.68M | -111.52M | -131.55M | -132.2M | -121.5M | -124.6M | -95.86M | -3.3M | 0 | 0 | 0 | 0 | 0 |
| Accumulated OCI | 63.76M | 69.12M | 77.27M | 80.09M | 81.05M | 67.57M | 79.21M | 72.95M | 69.48M | 77.27M | 83.57M | 56.34M | 63.6M | 76.45M | 39.1M | 3.44M | 6.31M | 16.54M | 14.59M | 26.18M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |