Update date
30 Apr 2026
X Financial financial metrics
Period Q4 2025 · Filed 30 Apr 2026
Share Metrics
| Metric | Latest value | YoY relative change |
|---|---|---|
| Common Stock, Shares, Outstanding |
234,517,901
Period-end balance · 31 Dec 2025
|
-6.4% |
| Common Stock, Value, Issued |
$29,571
Period-end balance · 31 Dec 2025
|
+4.4% |
Supporting Metrics
These supporting metrics stay fully source-backed for deeper research. Scan the latest value and reported period first, then open a metric page when you need the full filing trail.
| Metric | Latest value | YoY relative change |
|---|---|---|
| Accumulated Other Comprehensive Income (Loss), Net of Tax |
$9,112,471
Period-end balance · 31 Dec 2025
|
-18% |
| Additional Paid in Capital |
$465,651,744
Period-end balance · 31 Dec 2025
|
+6% |
| Assets |
$2,097,173,566
Period-end balance · 31 Dec 2025
|
+30% |
| Cash and Cash Equivalents, at Carrying Value |
$141,229,352
Period-end balance · 31 Dec 2025
|
+4.7% |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents |
$305,144,683
Period-end balance · 31 Dec 2025
|
+28% |
| Common Stock, Par or Stated Value Per Share |
0.0001
Period-end balance · 31 Dec 2025
|
0% |
| Common Stock, Shares Authorized |
1,000,000,000
Period-end balance · 31 Dec 2025
|
0% |
| Common Stock, Shares, Issued |
329,117,943
Period-end balance · 31 Dec 2025
|
0% |
| Deferred Income Tax Assets, Net |
$65,115,258
Period-end balance · 31 Dec 2025
|
+140% |
| Deferred Income Tax Liabilities, Net |
$9,963,064
Period-end balance · 31 Dec 2025
|
+10% |
| Deferred Tax Assets, Gross |
$104,532,633
Period-end balance · 31 Dec 2025
|
+33% |
| Deferred Tax Assets, Net of Valuation Allowance |
$77,721,853
Period-end balance · 31 Dec 2025
|
+113% |
| Deferred Tax Assets, Operating Loss Carryforwards |
$369,458
Period-end balance · 31 Dec 2025
|
-94% |
| Deferred Tax Assets, Valuation Allowance |
$26,810,780
Period-end balance · 31 Dec 2025
|
-39% |
| Intangible Assets, Net (Excluding Goodwill) |
$5,603,111
Period-end balance · 31 Dec 2025
|
+12% |
| Lessee, Operating Lease, Liability, to be Paid |
$7,503,311
Period-end balance · 31 Dec 2025
|
+22% |
| Lessee, Operating Lease, Liability, to be Paid, Year Four |
$699,117
Period-end balance · 31 Dec 2025
|
+3.1% |
| Lessee, Operating Lease, Liability, to be Paid, Year One |
$2,110,817
Period-end balance · 31 Dec 2025
|
-1.8% |
| Lessee, Operating Lease, Liability, to be Paid, Year Three |
$1,322,753
Period-end balance · 31 Dec 2025
|
-19% |
| Lessee, Operating Lease, Liability, to be Paid, Year Two |
$2,112,213
Period-end balance · 31 Dec 2025
|
+24% |
| Lessee, Operating Lease, Liability, Undiscounted Excess Amount |
$973,398
Period-end balance · 31 Dec 2025
|
+50% |
| Liabilities |
$976,525,980
Period-end balance · 31 Dec 2025
|
+46% |
| Liabilities and Equity |
$2,097,173,566
Period-end balance · 31 Dec 2025
|
+30% |
| Operating Lease, Liability |
$6,529,913
Period-end balance · 31 Dec 2025
|
+18% |
| Operating Lease, Liability, Current |
$1,552,591
Period-end balance · 31 Dec 2025
|
-11% |
| Operating Lease, Right-of-Use Asset |
$6,403,278
Period-end balance · 31 Dec 2025
|
+19% |
| Operating Lease, Weighted Average Discount Rate, Percent |
0.0466
Period-end balance · 31 Dec 2025
|
-11% |
| Other Assets, Current |
$1,149,977
Period-end balance · 31 Dec 2025
|
+53% |
| Other Assets, Noncurrent |
$7,630,899
Period-end balance · 31 Dec 2025
|
+24% |
| Other Liabilities, Noncurrent |
$4,977,322
Period-end balance · 31 Dec 2025
|
+32% |
| Property, Plant and Equipment, Gross |
$10,580,875
Period-end balance · 31 Dec 2025
|
+26% |
| Property, Plant and Equipment, Net |
$3,417,591
Period-end balance · 31 Dec 2025
|
+58% |
| Retained Earnings (Accumulated Deficit) |
$784,243,511
Period-end balance · 31 Dec 2025
|
+37% |
| Stockholders' Equity Attributable to Parent |
$1,120,647,586
Period-end balance · 31 Dec 2025
|
+18% |
| Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest |
$1,120,647,586
Period-end balance · 31 Dec 2025
|
+13% |
| Unrecognized Tax Benefits |
$76,113,389
Period-end balance · 31 Dec 2025
|
+15% |
Comparisons, sources and research notes
Sources and sharing
XYF - X Financial Financial Facts
- Context
- Latest metrics period: Q4 2025
Based on company facts extracted from SEC 10-Q/10-K XBRL filings where available. Open metric pages to inspect the reported history.
Tracking and update notes
Why revisit this company facts page
Company facts change as new 10-Q and 10-K filings update the latest reported period, headline values, and cross-company comparison context.
- Latest source-backed update
- Latest metrics period Q4 2025
- Why come back
- Use the next filing cycle to compare new facts against this baseline and then verify the detailed metric history.
- Current latest metrics period: Q4 2025.
- Most recent SEC facts end date on this page: 31 Dec 2025.
- Save this filer to return when the next filing-backed metric period changes the picture.
Freshness comes from the latest SEC company facts period available for this filer and the linked metric history pages.
Latest update
Latest update for XYF - X Financial
Latest financial period: Q4 2025. Reopen this facts page to verify the newest reported period against the prior baseline.
Page type
Company facts
Latest period
Q4 2025
SEC-backed company facts were refreshed from filings filed on 30 Apr 2026.
Filing notes and source
Key facts
- XYF - X Financial financial facts use SEC filings; any third-party reference is labeled separately.
- Latest metrics period on this page: Q4 2025.
- Headline metric summary will appear when SEC facts are available.
Change
- No metrics are currently available for comparison on this facts page.
- Changes will populate automatically as new 10-Q/10-K periods are processed.
Research use
- This gives a beginner-friendly first read before you inspect detailed formulas and metric tables.
- Metric cards link to SEC history; a third-party reference may use a different or unverified reporting period.
Evidence
Based on latest 10-Q/10-K
View source filing
Based on company facts extracted from SEC 10-Q/10-K XBRL filings where available. Open company facts to inspect the reported metric history.
Valuation Snapshot
SEC-only DCF estimate using a normalized free cash flow base, cash, debt, and reported share count when available.
DCF value materially above price
Undervalued
Medium confidence
2188%
fair value gap
Fair value per share
$117.84
Market price
$5.15
XYF - Local security
PEG ratio
0.2x
P/E 6.1x / growth 33%
EPS CAGR (3Y)
Enterprise value
$29.26B
Equity value
$29.4B
DCF fair value scenarios
Bear
$87.99
- Growth
- 9%
- Discount
- 11%
- Terminal
- 2%
Gap 1609%
Base
$117.84
- Growth
- 12%
- Discount
- 10%
- Terminal
- 2.5%
Gap 2188%
Bull
$164.75
- Growth
- 15%
- Discount
- 9%
- Terminal
- 3%
Gap 3099%
Base growth: Free Cash Flow CAGR (3Y).
Key valuation metrics
EV/Revenue
1.0x
Local security market EV / SEC revenue
EV/EBITDA
4.9x
Local security market EV / SEC EBITDA
P/E
6.1x
Local security market price / SEC EPS
P/S
1.2x
Local security market cap / SEC revenue
P/B
1.1x
Local security market cap / SEC equity
PEG
0.2x
P/E / EPS CAGR
Core assumptions
- Projection
- 5 years
- FCF growth
- 4%
- Discount rate
- 10%
- Terminal growth
- 2.5%
SEC fact inputs
- DCF base FCF
- $1.45B
- Normalized SEC FCF average
- Reported FCF
- $206.73M
- Net income
- $209.43M
- EBITDA
- $234.69M
- Cash
- $141.23M
- Debt
- n/a
- Equity
- $1.12B
- Shares
- 249,489,203
Data confidence notes
- Dcf base free cash flow: dcf base starts from trailing sec free cash flow
- Dcf base free cash flow: trailing free cash flow is below recent annual free cash flow, so dcf uses a normalized sec average
- Debt missing: equity value treats debt as 0
- Dcf historical free cash flow growth is capped for scenario conservatism
Financial Quality Score
Transparent 0-100 scoring model based on profitability, financial health, and growth factors.
n/a
Insufficient Data Confidence low
Financial Health
Calculation methodology and other links
How we score
This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.
| Metric | Weight | V1 threshold |
|---|---|---|
| ROIC | 20 | 5% to 20% |
| ROE | 15 | 8% to 25% |
| ROA | 10 | 2% to 10% |
| Operating Margin | 5 | 5% to 25% |
| Current Ratio | 12 | 1.0x to 2.0x |
| Quick Ratio | 8 | 0.8x to 1.5x |
| Debt to Equity | 10 | 0.3x to 2.0x (lower is better) |
| Revenue YoY | 10 | -10% to +20% |
| Net Income YoY | 10 | -10% to +20% |
How Calculated (standard_v1)
Metrics are computed with a market-consensus convention designed for cross-portal comparability.
- Operating Income / Revenues using matching TTM or quarter periods; basis shown per metric
- Current Assets / Current Liabilities (latest instant quarter)
- (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
- Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
- TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
- TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
- TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
- Revenues YoY using available TTM or quarter comparison; basis shown per metric
- Net Income YoY using available TTM or quarter comparison; basis shown per metric
CIK / security context first