Financial Statements — XYF
Balance Sheet
(in billions CNY)| Metric | FY
2025 | FY
2024 | FY
2023 | FY
2022 | FY
2021 | FY
2020 | FY
2019 |
|---|
| Cash & Equivalents | 0.99 | 0.98 | 1.20 | 0.09 | 0.58 | 0.11 | 0.14 |
| Net Loans & Leases | 5.30 | 4.83 | 0.70 | -- | -- | -- | -- |
| Total Assets | 2.10 | 1.62 | 11.65 | 8.84 | 1.15 | 1.15 | 1.19 |
| Total Deposits | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.11 |
| Total Liabilities | 6.83 | 0.67 | 5.80 | 0.59 | 0.53 | 0.68 | 0.56 |
| Retained Earnings | 0.78 | 4.17 | 2.69 | 0.24 | 0.13 | (0.01) | 0.19 |
| Total Stockholder Equity | 1.12 | 6.95 | 0.82 | 0.69 | 3.98 | 3.07 | 4.37 |
Income Statement
(in billions CNY) (except per-share rows)| Metric | FY
2025 | FY
2024 | FY
2023 | FY
2022 | FY
2021 | FY
2020 | FY
2019 |
|---|
| Provision for Credit Losses | 1.08 | 0.19 | 0.14 | 0.16 | 0.08 | 0.03 | -- |
| Pretax Income | 0.25 | 1.89 | 0.20 | 0.18 | 1.19 | (1.60) | 0.10 |
| Tax Provision | 0.29 | 0.41 | 0.25 | 0.06 | 0.06 | 0.30 | (0.01) |
| Net Income | 1.46 | 1.54 | 1.19 | 0.81 | 0.13 | (1.31) | 0.11 |
| Basic EPS | 0.86 | 0.73 | 0.58 | 0.37 | 0.39 | (0.62) | 0.35 |
| Diluted EPS | 0.84 | 5.25 | 4.08 | 0.37 | 0.38 | (4.07) | 2.42 |
Cash Flow Statement
(in billions CNY)| Metric | FY
2025 | FY
2024 | FY
2023 | FY
2022 | FY
2021 | FY
2020 | FY
2019 |
|---|
| Operating Cash Flow | 1.47 | 1.52 | 0.11 | 0.32 | 0.07 | (0.68) | 0.60 |
| Capital Expenditures | 0.02 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.02 |
| Free Cash Flow* | 1.45 | 1.51 | 0.11 | 0.32 | 0.07 | (0.68) | 0.59 |
| Investing Cash Flow | (1.07) | 0.02 | (1.11) | (0.13) | (0.37) | (3.70) | (3.08) |
| Financing Cash Flow | 0.01 | (1.94) | 1.23 | 0.08 | 1.30 | 0.69 | 2.71 |
* Derived from reported values
Dividends Per Share
(USD)| Metric | FY
2025 |
|---|
| Dividends Per Share | 0.03 |
