X Financial (XYF) quarterly income statement — complete revenue, gross profit & net income 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 |
|---|
| Sales/Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Revenue Growth % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cost of Goods Sold | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| COGS % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | 949.18M | 1.33B | 715.3M | 605.77M | 535.5M | 516.92M | 488.67M | 418.63M | 261.6M | 452.93M | 473.53M | 357.36M | 418.89M | 343.11M | 260M | 347.7M | 336.83M | 420.03M | 328.73M | 265.33M |
| Gross Margin % | 65.57% | 68.05% | 40.66% | 41.77% | 43.46% | 47.71% | 51.76% | 53.33% | 66.58% | 46.6% | 54.8% | 55.09% | 89.72% | 97.88% | 83.4% | 85.17% | 84.94% | 94.21% | 93.15% | 88.17% |
| Gross Profit Growth % | 77.25% | 158.16% | 46.38% | 44.7% | 104.7% | 14.13% | 3.2% | 17.15% | -37.55% | 32.01% | 82.12% | 2.78% | 24.36% | -18.31% | -20.91% | 31.04% | 140.2% | 696.94% | 203.68% | 252.41% |
| Operating Expenses | 929.28M | 972.56M | 49.32M | 49.81M | 44.8M | 43.45M | 39.73M | 34.43M | 50.51M | 35.46M | 29.63M | 26.74M | 36.35M | 40.21M | 39.8M | 29.88M | 51.76M | 34.88M | 48.64M | 40.9M |
| OpEx % of Revenue | 64.2% | 49.6% | 2.8% | 3.43% | 3.64% | 4.01% | 4.21% | 4.39% | 12.85% | 3.65% | 3.43% | 4.12% | 7.79% | 11.47% | 12.77% | 7.32% | 13.05% | 7.82% | 13.78% | 13.59% |
| Selling, General & Admin | 258.32M | 112.82M | 49.54M | 51.74M | 48.89M | 49.5M | 39.07M | 38.47M | 51.85M | 40.2M | 36.57M | 38.07M | 44.94M | 46.32M | 45.71M | 50M | 67.52M | 44.52M | 49.58M | 47.06M |
| SG&A % of Revenue | 17.84% | 5.75% | 2.82% | 3.57% | 3.97% | 4.57% | 4.14% | 4.9% | 13.2% | 4.14% | 4.23% | 5.87% | 9.63% | 13.21% | 14.66% | 12.25% | 17.03% | 9.99% | 14.05% | 15.64% |
| Research & Development | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| R&D % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | 19.9M | 361.93M | 665.98M | 555.96M | 490.7M | 473.47M | 448.94M | 384.2M | 211.1M | 417.47M | 443.9M | 330.62M | 382.54M | 302.89M | 220.21M | 317.82M | 285.07M | 385.15M | 280.09M | 224.44M |
| Operating Margin % | 1.38% | 18.46% | 37.85% | 38.33% | 39.83% | 43.7% | 47.55% | 48.94% | 53.73% | 42.95% | 51.37% | 50.97% | 81.93% | 86.41% | 70.64% | 77.85% | 71.89% | 86.38% | 79.36% | 74.58% |
| Operating Income Growth % | -95.94% | -23.56% | 48.35% | 44.71% | 132.45% | 13.41% | 1.14% | 16.21% | -44.82% | 37.83% | 101.58% | 4.03% | 34.19% | -21.36% | -21.38% | 41.61% | 132.5% | 455.86% | 172.23% | 198.3% |
| EBITDA | 31.07M | 363.73M | 665.98M | 555.96M | 490.7M | 473.47M | 448.94M | 384.2M | 211.1M | 417.47M | 443.9M | 330.62M | 8.51B | 302.89M | 220.21M | 317.82M | 11.66B | 385.15M | 280.09M | 224.44M |
| EBITDA Margin % | 2.15% | 18.55% | 37.85% | 38.33% | 39.83% | 43.7% | 47.55% | 48.94% | 53.73% | 42.95% | 51.37% | 50.97% | 1823.26% | 86.41% | 70.64% | 77.85% | 2940.22% | 86.38% | 79.36% | 74.58% |
| EBITDA Growth % | -93.67% | -23.18% | 48.35% | 44.71% | 132.45% | 13.41% | 1.14% | 16.21% | -97.52% | 37.83% | 101.58% | 4.03% | -26.99% | -21.36% | -21.38% | 41.61% | -99.9% | 455.86% | 172.23% | 198.3% |
| D&A (Non-Cash Add-back) | 11.16M | 1.8M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 8.13B | 0 | 0 | 0 | 11.37B | 0 | 0 | 0 |
| EBIT | 40.75M | 1.22B | 665.98M | 555.96M | 490.7M | 473.47M | 448.94M | 384.2M | 211.1M | 417.47M | 443.9M | 330.62M | 382.54M | 302.89M | 220.21M | 317.82M | 285.07M | 385.15M | 280.09M | 224.44M |
| Net Interest Income | 392.93M | -147.08M | -432.34M | -401.59M | -148.77M | -169.78M | 25.56M | 81.96M | 305.1M | -126.26M | -65.94M | -19.89M | 249.04M | 252.25M | 236.45M | 232.3M | 222.81M | 178.73M | 156.28M | 133.78M |
| Interest Income | 392.93M | 377.86M | 323.92M | 307.42M | 354.94M | 336.98M | 349.19M | 330.34M | 305.1M | 293.63M | 266.18M | 252.06M | 249.04M | 252.25M | 236.45M | 232.3M | 222.81M | 178.73M | 156.28M | 133.78M |
| Interest Expense | 0 | 524.94M | 756.26M | 709.01M | 503.7M | 506.76M | 323.64M | 248.37M | 0 | 419.89M | 332.12M | 271.94M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Income/Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Pretax Income | 40.75M | 501.42M | 638.81M | 574.65M | 536.4M | 476.17M | 504.87M | 428.16M | 224.63M | 421.36M | 453.33M | 336.91M | 349.62M | 302.89M | 227.94M | 320.97M | 283.64M | 386.7M | 281.33M | 226.42M |
| Pretax Margin % | 2.81% | 25.57% | 36.31% | 39.62% | 43.54% | 43.95% | 53.48% | 54.54% | 57.17% | 43.35% | 52.46% | 51.94% | 74.88% | 86.41% | 73.12% | 78.62% | 71.52% | 86.73% | 79.72% | 75.24% |
| Income Tax | -15.63M | 80.18M | 110.8M | 116.53M | 150.78M | 100.33M | 89.57M | 65.03M | 35.66M | 74.17M | 87.04M | 52.56M | 74.98M | 91.1M | 42.24M | 181.03M | 154.17M | 119.46M | 57.89M | 37.22M |
| Effective Tax Rate % | -38.36% | 15.99% | 17.34% | 20.28% | 28.11% | 21.07% | 17.74% | 15.19% | 15.87% | 17.6% | 19.2% | 15.6% | 21.45% | 30.08% | 18.53% | 56.4% | 54.35% | 30.89% | 20.58% | 16.44% |
| Net Income | 56.38M | 421.24M | 528.02M | 458.13M | 385.63M | 375.84M | 415.3M | 363.14M | 188.97M | 347.19M | 366.29M | 284.35M | 274.64M | 211.72M | 185.7M | 139.93M | 129.47M | 267.24M | 223.44M | 189.2M |
| Net Margin % | 3.89% | 21.48% | 30.01% | 31.59% | 31.3% | 34.69% | 43.99% | 46.26% | 48.1% | 35.72% | 42.39% | 43.83% | 58.82% | 60.4% | 59.57% | 34.28% | 32.65% | 59.94% | 63.31% | 62.87% |
| Net Income Growth % | -85.38% | 12.08% | 27.14% | 26.16% | 104.07% | 8.25% | 13.38% | 27.71% | -31.19% | 63.98% | 97.25% | 103.2% | 112.13% | -20.77% | -16.89% | -26.04% | 119.75% | 336.45% | 165.02% | 196.36% |
| Net Income (Continuing) | 56.38M | 421.24M | 528.02M | 458.13M | 385.63M | 375.84M | 415.3M | 363.14M | 188.97M | 347.19M | 366.29M | 284.35M | 274.64M | 211.72M | 185.7M | 139.93M | 129.47M | 267.24M | 223.44M | 189.2M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | 8.40 | 60.48 | 72.00 | 63.36 | 48.24 | 46.44 | 49.68 | 43.92 | 22.92 | 42.12 | 45.00 | 34.92 | 31.20 | 23.04 | 19.80 | 14.76 | 15.66 | 28.08 | 23.76 | 20.52 |
| EPS Growth % | -82.59% | 30.23% | 44.93% | 44.26% | 110.47% | 10.26% | 10.4% | 25.77% | -26.54% | 82.81% | 127.27% | 136.59% | 99.23% | -17.95% | -16.67% | -28.07% | 121.36% | 321.8% | 161.59% | 193.19% |
| EPS (Basic) | 8.82 | 63.48 | 75.54 | 65.40 | 49.26 | 47.34 | 50.88 | 44.52 | 23.34 | 43.44 | 45.84 | 35.52 | 31.68 | 23.70 | 20.16 | 15.18 | 15.84 | 28.92 | 24.30 | 21.00 |
| Diluted Shares Outstanding | 6.62M | 6.98M | 7.33M | 7.25M | 8.02M | 8.12M | 8.35M | 8.25M | 8.18M | 8.25M | 8.16M | 8.18M | 8.83M | 9.14M | 9.43M | 9.43M | 9.4M | 9.51M | 9.44M | 9.26M |
| Basic Shares Outstanding | 6.49M | 6.96M | 7.33M | 7.23M | 7.99M | 8.09M | 8.36M | 8.27M | 8.24M | 8.24M | 8.14M | 8.14M | 8.8M | 9.19M | 9.38M | 9.48M | 9.31M | 9.52M | 9.39M | 9.22M |
| Dividend Payout Ratio | 274.52% | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 79709.09% | - | - | - |