X Financial (ADR) (XYF)
Connects Chinese borrowers with institutional funding through its data-driven lending platform.
$5.31
After hours+0.01 (+0.19%)
At close$5.30(+3.52%)
In millions of USD, except per-share figures · converted from CNY at the latest rate
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 145 | 59 | 117 | 141 | 162 | 184 | 289 | 339 | 293 | 216 | 175 | 148 |
| Cost of revenue | 77 | 20 | 55 | 68 | 85 | 104 | 72 | 77 | 94 | 74 | 72 | 63 |
| Gross profit | 68 | 39 | 62 | 73 | 77 | 80 | 218 | 263 | 199 | 142 | 102 | 85 |
| 5 | 8 | 5 | 6 | 6 | 7 | 134 | 163 | 145 | 139 | 82 | 56 | |
| 6 | 8 | 6 | 6 | 7 | 7 | 114 | 120 | 17 | 39 | 40 | 10 | |
| Selling & marketing | 63 | 1 | 1 | 1 | 76 | 75 | 106 | 113 | 9 | 32 | 33 | 3 |
| General & administrative | 6 | 7 | 4 | 4 | 7 | 7 | 8 | 7 | 8 | 7 | 7 | 7 |
| Other expenses | −1 | 0 | −1 | 0 | −1 | −1 | 20 | 43 | 128 | 139 | 42 | 46 |
| Operating income | 62 | 32 | 57 | 67 | 71 | 73 | 84 | 99 | 54 | 3 | 21 | 29 |
| 1 | 2 | 7 | 8 | 0 | 7 | 2 | −4 | 21 | 3 | −5 | −14 | |
| Interest income | 44 | 46 | 49 | 52 | 50 | 53 | 0 | 1 | 56 | 59 | 51 | 44 |
| Interest expense | 63 | 0 | 37 | 48 | 76 | 75 | 106 | 113 | 78 | 0 | 0 | 0 |
| Other non-operating income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | −128 | −3 | 4 | 14 |
| Income before tax | 63 | 34 | 64 | 75 | 71 | 80 | 86 | 95 | 75 | 6 | 16 | 15 |
| Income tax expense | 11 | 5 | 10 | 13 | 15 | 23 | 17 | 17 | 12 | −2 | 11 | 8 |
| Net income from continuing operations | 52 | 28 | 54 | 62 | 56 | 58 | 68 | 79 | 63 | 8 | 6 | 7 |
| Net income | 52 | 28 | 54 | 62 | 56 | 58 | 68 | 79 | 63 | 8 | 6 | 7 |
| EPS, basic | $1.08 | $3.42 | $6.56 | $7.42 | $7.07 | $7.35 | $9.76 | $10.75 | $9.48 | $1.32 | $0.86 | $1.12 |
| EPS, diluted | $1.05 | $3.42 | $6.56 | $7.42 | $6.93 | $7.20 | $9.46 | $10.75 | $9.03 | $1.25 | $0.86 | $1.12 |
| Weighted average shares, basic | 48 | 8 | 8 | 8 | 8 | 8 | 7 | 7 | 7 | 6 | 7 | 6 |
| Weighted average shares, diluted | 50 | 8 | 8 | 8 | 8 | 8 | 7 | 7 | 7 | 7 | 7 | 6 |
| EBITDA | 62 | 32 | 57 | 67 | 71 | 73 | 84 | 99 | 183 | 8 | 17 | 15 |
| Depreciation & amortization | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 |
| EBIT | 62 | 32 | 57 | 67 | 71 | 73 | 84 | 99 | 182 | 6 | 17 | 15 |