X Financial Class A (NYSE:XYF) — Stock Price
X Financial Class A (NYSE:XYF) is currently trading at $5.13 USD, down 2.47% today. Over the past 52 weeks, shares have ranged between $3.41 and $14.62. This page tracks X Financial Class A's live share price on the NYSE exchange, its daily price and volume history, and — where reported — its income statement, balance sheet, cash flow statement, and earnings history. For company valuation and market capitalisation context, see X Financial Class A market cap and net worth.
X Financial Class A (XYF) Stock Price Chart — Daily History & Trading Volume
The chart below tracks X Financial Class A's daily closing share price and trading volume on the NYSE exchange over the past year, giving a clear view of recent price momentum and liquidity.
X Financial Class A Income Statement — Revenue, Profit & Earnings by Year
X Financial Class A's annual income statement shows how revenue converts into profit each fiscal year, including gross profit, operating income, EBITDA, and net income.
| Fiscal Year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Total Revenue | $7.43 Billion | $5.87 Billion | $3.28 Billion | $2.32 Billion | $1.51 Billion |
| Cost of Revenue | $1.97 Billion | $1.96 Billion | $1.68 Billion | $1.00 Billion | $144.95 Million |
| Gross Profit | $5.47 Billion | $3.91 Billion | $1.60 Billion | $1.32 Billion | $1.37 Billion |
| Research & Development | — | — | — | — | — |
| SG&A | $199.56 Million | $175.93 Million | $153.94 Million | $143.23 Million | $187.86 Million |
| Total Operating Expenses | $3.87 Billion | $2.04 Billion | $129.59 Million | $102.51 Million | $176.18 Million |
| Operating Income | $1.59 Billion | $1.87 Billion | $1.47 Billion | $1.22 Billion | $1.19 Billion |
| EBITDA | $1.72 Billion | $3.71 Billion | $1.47 Billion | $1.23 Billion | $1.20 Billion |
| EBIT | $1.71 Billion | $3.70 Billion | $1.47 Billion | $1.22 Billion | $1.19 Billion |
| Interest Expense | $3.37 Million | $1.58 Billion | $1.37 Billion | $833.11 Million | $19.39 Billion |
| Income Before Tax | $1.71 Billion | $1.95 Billion | $1.45 Billion | $1.21 Billion | $1.19 Billion |
| Income Tax Expense | $283.70 Million | $405.70 Million | $261.13 Million | $396.07 Million | $368.74 Million |
| Net Income | $1.42 Billion | $1.54 Billion | $1.19 Billion | $812.00 Million | $825.41 Million |
X Financial Class A Balance Sheet — Assets, Liabilities & Shareholder Equity
The balance sheet below summarizes X Financial Class A's financial position at each fiscal year-end — what it owns (assets), what it owes (liabilities), and the resulting shareholder equity.
| Fiscal Year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Total Assets | $14.67 Billion | $11.82 Billion | $11.65 Billion | $8.84 Billion | $7.34 Billion |
| Total Current Assets | $12.34 Billion | $5.00 Billion | $4.59 Billion | $3.59 Billion | $2.92 Billion |
| Cash & Equivalents | $987.63 Million | $984.61 Million | $1.20 Billion | $602.27 Million | $584.76 Million |
| Short-term Investments | $1.24 Billion | — | $-1.70 Billion | $-32.00 | $82.84 Million |
| Net Receivables | $8.46 Billion | $2.05 Billion | $1.68 Billion | $1.20 Billion | $747.48 Million |
| Inventory | — | — | $-24.64 Million | $-6.18 Billion | $-5.01 Billion |
| Property, Plant & Equipment | $23.90 Million | $55.07 Million | $59.27 Million | $68.55 Million | $6.19 Million |
| Goodwill | — | — | — | $-36.51 Billion | $-99.24 Million |
| Total Liabilities | $6.83 Billion | $4.87 Billion | $5.80 Billion | $4.08 Billion | $3.37 Billion |
| Total Current Liabilities | $5.95 Billion | $742.60 Million | $899.22 Million | $367.64 Million | $249.58 Million |
| Long-term Debt | $3.80 Billion | $2.50 Billion | $3.72 Billion | $2.67 Billion | $1.49 Billion |
| Net Debt | $181.06 Million | $-2.60 Billion | $-2.32 Billion | $-2.29 Billion | $-1.92 Billion |
| Total Stockholder Equity | $7.84 Billion | $6.95 Billion | $5.85 Billion | $4.75 Billion | $3.98 Billion |
| Retained Earnings | $5.48 Billion | $4.17 Billion | $2.69 Billion | $1.62 Billion | $810.86 Million |
X Financial Class A Cash Flow Statement — Operating, Investing & Financing Activities
This cash flow statement breaks down how X Financial Class A generates and spends cash across operating, investing, and financing activities each fiscal year, including free cash flow and capital expenditures.
| Fiscal Year | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Operating Cash Flow | $1.47 Billion | $1.52 Billion | $814.14 Million | $322.70 Million | $449.17 Million |
| Capital Expenditures | $21.88 Million | $14.22 Million | $8.47 Million | $6.06 Million | $2.62 Million |
| Free Cash Flow | $1.45 Billion | $1.51 Billion | $805.67 Million | $316.65 Million | $446.55 Million |
| Investing Cash Flow | $-1.07 Billion | $122.03 Million | $-1.11 Billion | $-913.39 Million | $-2.35 Billion |
| Financing Cash Flow | $79.24 Million | $-1.94 Billion | $1.23 Billion | $576.35 Million | $1.30 Billion |
| Dividends Paid | $154.77 Million | $116.64 Million | $58.40 Million | $0.00 | $103.20 Billion |
| Stock-Based Compensation | $60.97 Million | $40.18 Million | $42.60 Million | $53.54 Million | $88.43 Million |
| Depreciation | $11.16 Million | $7.20 Million | $5.26 Million | $6.65 Million | $8.14 Million |
| Change in Cash | $472.26 Million | $-282.86 Million | $937.55 Million | $14.92 Million | $-606.48 Million |
X Financial Class A Earnings History — EPS Actual vs. Analyst Estimates
Track X Financial Class A's quarterly earnings per share (EPS) against Wall Street estimates, along with the earnings surprise percentage for each reporting period.
| Report Date | EPS Actual | EPS Estimate | Surprise |
|---|---|---|---|
| Aug 17, 2026 | — | — | — |
| May 28, 2026 | 0.14 | — | — |
| Mar 26, 2026 | 0.20 | — | — |
| Nov 20, 2025 | 1.41 | — | — |
| Aug 18, 2025 | 12.00 | — | — |
| May 19, 2025 | 10.56 | 0.00 | — |
| Mar 19, 2025 | 8.04 | — | — |
| Dec 19, 2024 | 1.08 | — | — |