# X Financial: overview XYF · NYSE · CIK 1725033 · [Financials](/sectors/financials.md) · fiscal year ends Dec 31 Pages: [Overview](/companies/xyf.md) · [Financials](/companies/xyf/financials.md) · [Filings](/companies/xyf/filings.md) · [Insiders](/companies/xyf/insiders.md) Revenue is not reported in this company’s XBRL financial statements. ## Last eight quarters Not reported. ## Last five fiscal years | Line item | Unit | FY2021 (2021-12-31) | FY2022 (2022-12-31) | FY2023 (2023-12-31) | FY2024 (2024-12-31) | FY2025 (2025-12-31) | | --- | --- | ---: | ---: | ---: | ---: | ---: | | Revenue | $m | [569](/filings/0001104659-22-051593.md) | [517](/filings/0001104659-23-051321.md) | [678](/filings/0001410578-24-002071.md) | [804](/filings/0001410578-25-000892.md) | [1,092](/filings/0001104659-26-052016.md) | | Gross margin | % | not reported | not reported | not reported | not reported | not reported | | Operating margin | % | [36.2%](/filings/0001104659-22-051593.md) | [30.4%](/filings/0001104659-23-051321.md) | [29.9%](/filings/0001410578-24-002071.md) | [31.9%](/filings/0001410578-25-000892.md) | [21.3%](/filings/0001104659-26-052016.md) | | Net margin | % | [22.8%](/filings/0001104659-22-051593.md) | [22.8%](/filings/0001104659-23-051321.md) | [24.6%](/filings/0001410578-24-002071.md) | [26.2%](/filings/0001410578-25-000892.md) | [19.2%](/filings/0001104659-26-052016.md) | | Diluted EPS | $ per share | [0.38](/filings/0001104659-22-051593.md) | [0.37](/filings/0001104659-23-051321.md) | [0.57](/filings/0001410578-24-002071.md) | [0.72](/filings/0001410578-25-000892.md) | [0.84](/filings/0001104659-26-052016.md) | | Free cash flow | $m | [70.1](/filings/0001104659-22-051593.md) | [45.9](/filings/0001104659-23-051321.md) | [113](/filings/0001410578-24-002071.md) | [207](/filings/0001410578-25-000892.md) | [207](/filings/0001104659-26-052016.md) | - Revenue. XBRL Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax. - Gross margin (gross profit / revenue). XBRL Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax. - Operating margin (operating income / revenue). XBRL Operating income: us-gaap:OperatingIncomeLoss; Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax. - Net margin (net income / revenue). XBRL Net income: us-gaap:NetIncomeLoss; Revenue: us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax. - Diluted EPS. XBRL Diluted EPS: us-gaap:EarningsPerShareDiluted. - Free cash flow (operating cash flow − capital expenditure). XBRL Operating cash flow: us-gaap:NetCashProvidedByUsedInOperatingActivities; Capital expenditure: us-gaap:PaymentsToAcquirePropertyPlantAndEquipment. Each value links to the filing it came from. d marks a derived value. A ratio is not reported when any input is missing. ## Insider purchases and sales The last 20 open-market transactions on Form 4 (codes P and S). Reported price is as stated on the form, not a market price. [All insider transactions](/companies/xyf/insiders.md) None in coverage. ## Funds that report holding it From each manager’s latest Form 13F, largest reported value first. Reported value is as filed: filing data, not a price. [All funds](/funds.md) | Fund | Quarter ended | Reported value | Shares | Put or call | Change on the quarter before | | --- | --- | ---: | ---: | --- | --- | | [TWO SIGMA INVESTMENTS, LP](/funds/1179392.md) | 2026-06-30 | $923.4k | 190,782 | | Added +19,272 | | [Qube Research & Technologies Ltd](/funds/1729829.md) | 2026-06-30 | $662.1k | 136,792 | | Reduced −31,839 | | [Trexquant Investment LP](/funds/1633445.md) | 2026-06-30 | $413.2k | 85,378 | | Reduced −27,845 | | [CITADEL ADVISORS LLC](/funds/1423053.md) | 2026-06-30 | $384.0k | 79,349 | | Added +65,326 | | [O'SHAUGHNESSY ASSET MANAGEMENT, LLC](/funds/1423442.md) | 2026-06-30 | $302.9k | 62,581 | | Reduced −69,103 | | [UBS Group AG](/funds/1610520.md) | 2026-06-30 | $233.3k | 48,198 | | Added +4,141 | | [RAMSEY QUANTITATIVE SYSTEMS](/funds/1132897.md) | 2026-06-30 | $134.7k | 27,838 | | New +27,838 | | [JANE STREET GROUP, LLC](/funds/1595888.md) | 2026-06-30 | $121.0k | 24,999 | | Added +10,461 | | [JPMORGAN CHASE & CO](/funds/19617.md) | 2026-06-30 | $114.4k | 22,843 | | Added +8,770 | | [STATE STREET CORP](/funds/93751.md) | 2026-06-30 | $104.8k | 21,644 | | Reduced −1,589 | ## Recent filings [All 166 filings](/companies/xyf/filings.md) | Filed | Accepted | Form | What it is | Accession | | --- | --- | --- | --- | --- | | 2026-08-24 | 06:08 ET | [6-K](/filings/0001104659-26-099830.md) | Report of a foreign private issuer, period 2026-08-24 | 0001104659-26-099830 | | 2026-06-17 | 06:00 ET | [6-K](/filings/0001104659-26-074802.md) | Report of a foreign private issuer, period 2026-06-17 | 0001104659-26-074802 | | 2026-05-27 | 17:00 ET | [6-K](/filings/0001104659-26-067000.md) | Report of a foreign private issuer, period 2026-05-27 | 0001104659-26-067000 | | 2026-04-30 | 06:07 ET | [20-F](/filings/0001104659-26-052016.md) | Annual report of a foreign private issuer, period 2025-12-31 | 0001104659-26-052016 | | 2026-03-31 | 06:13 ET | [SCHEDULE 13D/A](/filings/0001104659-26-037260.md) | Ownership report, active investor, amended | 0001104659-26-037260 | | 2026-03-25 | 17:00 ET | [6-K](/filings/0001104659-26-034596.md) | Report of a foreign private issuer, period 2026-03-25 | 0001104659-26-034596 | | 2025-11-20 | 17:00 ET | [6-K](/filings/0001104659-25-114648.md) | Report of a foreign private issuer, period 2025-11-20 | 0001104659-25-114648 | | 2025-11-18 | 06:02 ET | [6-K](/filings/0001104659-25-113377.md) | Report of a foreign private issuer, period 2025-11-18 | 0001104659-25-113377 | | 2025-09-26 | 16:30 ET | [6-K](/filings/0001104659-25-093879.md) | Report of a foreign private issuer, period 2025-09-26 | 0001104659-25-093879 | | 2025-09-04 | 06:30 ET | [SCHEDULE 13D/A](/filings/0001104659-25-087284.md) | Ownership report, active investor, amended | 0001104659-25-087284 | ## Latest annual report [Form 20-F for the fiscal year ended Dec 31, 2025](/filings/0001104659-26-052016.md), filed Apr 30, 2026. ## Forecast league Not in this season’s league. [This season’s league](/leagues.md) ## About the filer - CIK: 1725033 - Tickers: XYF - Exchange: NYSE - SIC code: 6199 Finance Services - State of incorporation: E9 - Filer category: Accelerated filer Source: SEC EDGAR, XBRL company facts, the filing index and Forms 4. Last ingested by Listed: Oct 24, 2026, 15:46 ET. No prices; not investment advice.