10 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings, in CNY as reported — with a computed, factual read of the trend. Updated Overview →
| FY | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | CN¥7.6B | CN¥1.5B | 73.6% | 21.3% | 18.7% | 10.0% | CN¥1.4B | — | CN¥988M |
| 2024 | CN¥5.9B | CN¥1.5B | 70.4% | 31.9% | 22.1% | 13.0% | CN¥1.5B | — | CN¥985M |
| 2023 | CN¥4.8B | CN¥1.2B | 67.9% | 30.4% | 20.3% | 10.2% | CN¥1.4B | — | CN¥1.2B |
| 2022 | CN¥3.6B | CN¥812M | 62.5% | 34.1% | 17.1% | 9.2% | CN¥621M | — | CN¥602M |
| 2021 | CN¥3.6B | CN¥825M | 45.9% | 36.2% | 20.8% | 11.2% | CN¥447M | — | CN¥585M |
| 2020 | CN¥2.2B | -CN¥1.3B | 5.5% | -65.2% | -42.6% | -17.5% | -CN¥685M | — | CN¥746M |
| 2019 | CN¥3.1B | CN¥774M | 47.1% | 26.3% | 17.7% | 9.4% | CN¥585M | — | CN¥1.0B |
| 2018 | CN¥3.5B | CN¥883M | 66.5% | 36.0% | 25.1% | 19.0% | -CN¥33M | — | CN¥1.1B |
| 2017 | CN¥1.8B | CN¥340M | 57.5% | 28.1% | 19.3% | 8.8% | -CN¥636M | — | CN¥671M |
| 2016 | CN¥230M | -CN¥120M | -12.5% | -59.4% | — | — | CN¥79M | — | CN¥504M |
Over the past 5 years, X Financial's revenue has grown 28.4% per year. These are computed facts, not advice.
As of FY2025, X Financial reported — of total debt against CN¥988M of cash.
In FY2025, gross margin was 73.6%, operating margin 21.3%, and net margin 19.2%.
All figures are extracted from the company’s SEC EDGAR/XBRL filings — its annual and interim reports, in CNY as reported (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (annual and interim filings, reported in CNY) · prices EOD (Databento), split-adjusted; price return — dividends not reinvested · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.