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General information

Country: CHINA

Sector: Credit Services

X Financial engages in the development and provision of technology platform for personal finance services. The company is headquartered in Shenzhen, Guangdong and currently employs 744 full-time employees. The Company’s products primarily include Xiaoying Card Loan and Xiaoying Preferred Loan. The firm is also engaged in the provision of investment opportunities to investors through its wealth management platform, Xiaoying Wealth Management. The Company’s WinSAFE risk control system builds risk profiles of its prospective borrowers upon data from credit information providers.
Website: xiaoyinggroup.com



Growth: Good revenue growth rate 83.0%, there is acceleration compared to average historical growth rates 75.7%. The revenue growth dynamics is moderately stable

Profitability: LTM net profit margin is positive, +55.7%. On average the margin is improving unsteadily. Gross margin is high, +68.1%. In the last quarter the company did not beat the estimated EPS. The company was ahead of estimated EPS in 75% of quarters (showing a gain of +$0.15 per share on average)

Cash Flow Generation: Dividend yield for the last twelve months 9.3%.

Undervaluation: Fundamental value created in LTM (estimate)


Entry Point: Share price is 110.2% higher than minimum and 72.1% lower than maximum for the last 3 years

AI Insight: the companies with similar growth trajectories, Net Income margin, industries and geography on average are valued 8.0x by P / Sales multiple , the company can be >100% undervalued

Key Financials (Download financials)

Ticker: XYF
Share price, USD:  (0.0%)5.59
year average price 12.44  


year start price 8.49 2025-02-12

max close price 20.05 2025-07-08

min close price 5.59 2026-01-26

current price 5.59 2026-02-11
Common stocks: 53 623 702

Dividend Yield:  9.3%
P / E LTM: 0.3x
P / E annualized: 0.4x
P / Sales: 0.2x
Margin (Net Income LTM / Revenue): 55.7%
Fundamental value created in LTM:
Market Cap ($m): 300
Price to Book: 0.3x

Revenue and Net Income

Quarterly values ($m)

Change (y/y)

Share price and dividends (Download history)

Share price

Payment USD per share

Multiple and potential

EV / Sales

Potential dynamics

News


2025-11-21seekingalpha.com

X Financial (XYF) Q3 2025 Earnings Call Transcript

2025-11-20prnewswire.com

X Financial (NYSE: XYF) Reports Q3 2025 Results: Revenue +23.9% YoY, Sequential Decline Amid Rising Credit Costs and Moderating Borrower Activity

2025-10-20seekingalpha.com

X Financial: The Most Likely Path Forward Is Still Pointing Higher

2025-08-18prnewswire.com

X Financial (NYSE: XYF) Reports Q2 2025 Results: Revenue +66%, Record Loan Originations, Improved Asset Quality

2025-06-07seekingalpha.com

X Financial: Stock Quadruples In 12 Months, Still An Asymmetric Bet

2025-05-19prnewswire.com

X Financial Reports First Quarter 2025 Unaudited Financial Results

2025-03-20seekingalpha.com

X Financial (XYF) Q4 2024 Earnings Call Transcript

2025-03-19prnewswire.com

X Financial Reports Fourth Quarter and Fiscal Year 2024 Unaudited Financial Results

2025-03-18prnewswire.com

X Financial to Report Fourth Quarter and Fiscal Year 2024 Financial Results on March 20, 2025

2024-11-27seekingalpha.com

X Financial (XYF) Q3 2024 Earnings Call Transcript
More information for subscribed users:
detailed calculation of
Fundamental value created in LTM

Financial reporting

Income Statement

Property 2025 q3 2025 q2 2025 q1 2024 q4 2024 q3 2024 q2 2024 q1 2023 q4 2023 q3 2023 q2 2023 q1 2022 q4 2022 q3 2022 q2 2021 q4 2020 q4
date 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2021-12-31 2020-12-31
symbol XYF XYF XYF XYF XYF XYF XYF XYF XYF XYF XYF XYF XYF XYF XYF XYF
reportedCurrency CNY CNY CNY CNY CNY CNY CNY CNY CNY CNY CNY CNY CNY CNY CNY CNY
cik 2M 2M 2M 2M 2M 2M 2M 2M 2M 2M 2M 2M 2M 2M 2M 2M
fillingDate 2025-11-20 2025-08-18 2025-05-19 2024-11-26 2024-08-21 2024-03-26 2023-09-30 2023-06-30 2023-03-31 2022-09-30 2022-06-30
acceptedDate 2025-11-20 17:00:19 2025-08-18 17:00:36 2025-05-19 17:00:44 2025-04-25 06:06:18 2024-11-26 17:00:25 2024-08-21 17:00:10 2024-03-26 17:00:24 2024-04-29 16:02:04 2023-09-29 20:00:00 2023-06-30 00:00:00 2023-03-31 00:00:00 2023-04-27 16:04:16 2022-09-29 20:00:00 2022-06-29 20:00:00 2022-04-28 06:48:18 2021-05-14 17:01:22
calendarYear 2025 2025 2025 2024 2024 2024 2023 2023 2023 2022 2022
period Q3 Q2 Q1 FY Q3 Q2 Q1 FY Q3 Q2 Q1 FY Q3 Q2 FY FY
revenue 1 961M 1 759M 1 450M 5 872M 1 085M 676M 579M 3 277M 564M 543M 386M 2 323M 351M 312M 1 512M -62M
costOfRevenue 626M 1 044M 845M 1 960M 0 1 208M 488M 1 679M 865M 725M 0 1 001M 0 0 145M 1 338M
grossProfit 1 334M 715M 606M 3 912M 1 085M -532M 90M 1 598M -301M -182M 386M 1 322M 351M 0 1 367M -1 399M
grossProfitRatio 0.681 0.407 0.418 1 -0.788 0.156 -0.534 -0.335 1 1 0
researchAndDevelopmentExpenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
generalAndAdministrativeExpenses 52M 50M 52M 176M 49M 39M 38M 154M 49M 44M 46M 143M 43M 41M 188M 179M
sellingAndMarketingExpenses 61M 0 0 36M 507M 0 0 13M 3M 3M 2M 15M 4M 5M 21M 36M
sellingGeneralAndAdministrativeExpenses 113M 50M 52M 212M 556M 39M 38M 154M 52M 48M 48M 143M 46M 46M 209M 215M
otherExpenses 860M -221 000 -2M 1 827M 529M 636M 4M -24M 5M 7M 11M -41M 6M 6M -33M -13M
operatingExpenses 973M 49M 50M 2 038M 1 085M 676M 43M 130M 57M 55M 59M 103M 52M 0 176M 202M
costAndExpenses 1 599M 1 093M 894M 3 998M 1 085M 676M 43M 1 809M 57M 55M 59M 1 103M 52M 0 321M 1 540M
interestIncome 0 324M 307M 1 371M 337M 349M 330M 1 117M 294M 266M 252M 970M 252M 236M 692M 635M
interestExpense 0 756M 709M 1 582M 0 324M 248M 1 371M 0 0 0 833M 0 0 0 0
depreciationAndAmortization 2M 0 0 7M 0 352M 1M 5M 2M 2M -6M 7M 0 0 8M 12M
ebitda 1 223M 666M 556M 3 708M 0 -579M 678M 1 474M 421M 453M 337M 1 227M 303M 228M 1 199M -1 590M
ebitdaratio 0.624 0.379 0.383 0 -0.857 0.74 0.747 0.835 0.872 0.864 0.731
operatingIncome 362M 666M 556M 1 874M 0 -931M 428M 1 469M 421M 453M 343M 1 220M 303M 0 1 191M -1 602M
operatingIncomeRatio 0.185 0.379 0.383 0 -1.378 0.74 0.747 0.835 0.888 0.864 0
totalOtherIncomeExpensesNet 139M -27M 19M 72M 473M 1 436M 52M -21M -4M -9M -13M -12M 67 000 0 0 -7M
incomeBeforeTax 501M 639M 575M 1 946M 473M 505M 426M 1 448M 417M 444M 331M 1 208M 303M 220M 1 191M -1 608M
incomeBeforeTaxRatio 0.256 0.363 0.396 0.436 0.747 0.736 0.74 0.818 0.856 0.864 0.706
incomeTaxExpense 80M 111M 117M 406M 100M 90M 65M 261M 74M 87M 53M 396M 91M 42M 369M -300M
netIncome 421M 528M 458M 1 540M 376M 415M 363M 1 187M 347M 366M 284M 812M 212M 186M 825M -1 309M
netIncomeRatio 0.215 0.3 0.316 0.346 0.615 0.628 0.616 0.675 0.736 0.604 0.596
eps 63.48 75.6 65.52 191.88 7.89 8.28 7.44 148.32 7.26 7.62 5.94 92.52 3.96 3.36 90.36 -24.3
epsdiluted 60.48 72 63.36 7.71 8.29 7.32 7.02 7.5 5.82 3.84 3.3
weightedAverageShsOut 7M 7M 48M 48M 48M 50M 49M 48M 48M 48M 48M 53M 54M 55M 55M 54M
weightedAverageShsOutDil 7M 7M 49M 49M 49M 50M 49M 48M 50M 49M 49M 54M 55M 57M 56M 54M
link Link Link Link Link Link Link
finalLink Link Link Link Link Link Link
filingDate 2025-04-25 2024-04-29 2023-04-27 2022-04-28 2021-05-14
fiscalYear 2024 2023 2022 2021 2020
netInterestIncome -211M -254M 137M 692M 635M
ebit 3 700M 1 469M 1 220M 1 191M -1 602M
nonOperatingIncomeExcludingInterest -1 827M 0 0 0 0
netIncomeFromContinuingOperations 1 540M 1 187M 812M 825M -1 308M
netIncomeFromDiscontinuedOperations 0 0 0 0 0
otherAdjustmentsToNetIncome 0 0 0 0 0
netIncomeDeductions 0 0 0 0 0
bottomLineNetIncome 1 540M 1 187M 812M 825M -1 309M
epsDiluted 189 146.88 90.72 88.2 -24.3

Balance Sheet Statement

Property 2025 q3 2025 q2 2025 q1 2024 q4 2024 q3 2024 q2 2024 q1 2023 q4 2023 q3 2023 q2 2023 q1 2022 q4 2022 q3 2022 q2 2021 q4 2020 q4
date 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2024-09-30 2024-06-30 2024-03-31 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30 2022-06-30 2021-12-31 2020-12-31
symbol XYF XYF XYF XYF XYF XYF XYF XYF XYF XYF XYF XYF XYF XYF XYF XYF
reportedCurrency CNY CNY CNY CNY CNY CNY CNY CNY CNY CNY CNY CNY CNY CNY CNY CNY
cik 2M 2M 2M 2M 2M 2M 2M 2M 2M 2M 2M 2M 2M 2M 2M 2M
fillingDate 2025-11-20 2025-08-18 2025-05-19 2024-11-26 2024-08-21 2024-03-26 2023-09-30 2023-06-30 2023-03-31 2022-09-30 2022-06-30
acceptedDate 2025-11-20 17:00:19 2025-08-18 17:00:36 2025-05-19 17:00:44 2025-04-25 06:06:18 2024-11-26 17:00:25 2024-08-21 17:00:10 2024-03-26 17:00:24 2024-04-29 16:02:04 2023-09-29 20:00:00 2023-06-30 00:00:00 2023-03-31 00:00:00 2023-04-27 16:04:16 2022-09-29 20:00:00 2022-06-29 20:00:00 2022-04-28 06:48:18 2021-05-14 17:01:22
calendarYear 2025 2025 2025 2024 2024 2024 2023 2023 2023 2022 2022
period Q3 Q2 Q1 FY Q3 Q2 Q1 FY Q3 Q2 Q1 FY Q3 Q2 FY FY
cashAndCashEquivalents 891M 3 295M 3 516M 2 943M 2 784M 3 201M 3 009M 2 898M 3 257M 3 080M 2 806M 2 373M 2 285M 2 395M 2 085M 1 654M
shortTermInvestments 0 0 0 0 0 -1 589M 0 0 0 0 0 0 0 0 83M 6M
cashAndShortTermInvestments 891M 3 295M 3 516M 2 943M 2 784M 1 612M 3 009M 2 898M 3 257M 3 080M 2 806M 2 373M 2 285M 2 395M 2 168M 1 660M
netReceivables 3 066M 3 162M 2 410M 2 047M 1 709M 1 511M 1 601M 1 684M 1 741M 1 494M 1 272M 1 199M 922M 731M 834M 489M
inventory 0 0 0 0 0 0 -7 748M 0 1 -6 698M 0 0 0 0 0 0
otherCurrentAssets 8 463M 0 0 0 -1 709M 7 302M 7 748M 0 6 989M 6 698M 0 0 0 0 0 0
totalCurrentAssets 12 419M 6 456M 5 926M 5 001M 2 784M 10 425M 4 610M 4 590M 4 998M 4 573M 4 078M 3 595M 3 207M 0 3 023M 2 208M
propertyPlantEquipmentNet 21M 19M 17M 16M 12M 10M 10M 9M 9M 7M 6M 6M 5M 5M 6M 11M
goodwill 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
intangibleAssets 38M 37M 37M 37M 0 37M 37M 37M 37M 36M 0 37M 0 0 136M 295M
goodwillAndIntangibleAssets 38M 37M 37M 37M 36M 37M 37M 37M 37M 36M 36M 37M 37M 36M 136M 295M
longTermInvestments 1 848M 5 964M 5 144M 5 841M 1 359M 1 254M 1 115M 6 058M 781M 719M 685M 4 629M 734M 715M 3 458M 3 463M
taxAssets 0 260M 188M 198M 0 0 0 136M 0 0 0 88M 0 0 275M 606M
otherNonCurrentAssets 362M 952M 782M 727M -1 406M 250M -1 161M 820M -827M -762M -727M 483M -776M 0 445M 915M
totalNonCurrentAssets 2 269M 7 232M 6 167M 6 818M 8 837M 1 551M 1 161M 7 060M 827M 762M 727M 5 243M 776M 0 4 320M 5 290M
otherAssets 0 0 0 0 11 620M 0 6 367M 0 5 337M 5 081M 4 523M 0 4 690M 8 407M 0 0
totalAssets 14 689M 13 688M 12 093M 11 819M 11 620M 11 975M 12 139M 11 650M 11 161M 10 417M 9 328M 8 838M 8 673M 8 407M 7 343M 7 498M
accountPayables 0 0 0 258M 0 0 0 180M 0 0 0 195M 0 0 83M 127M
shortTermDebt 566M 402M 604M 329M 434M 475M 435M 565M 558M 663M 463M 70M 90M 20M 167M 351M
taxPayables 0 977M 941M 871M 789M 741M 740M 736M 700M 649M 571M 526M 494M 449M 337M 149M
deferredRevenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
otherCurrentLiabilities 2 190M -899M -893M 12M -1 223M -1 215M -1 175M 20M -558M -663M -463M 20M -90M 0 21M 21M
totalCurrentLiabilities 2 756M 479M 652M 743M 0 4 881M 435M 899M 558M 663M 463M 368M 90M 0 344M 604M
longTermDebt 0 0 0 0 0 0 0 0 41M 0 0 0 0 0 0 0
deferredRevenueNonCurrent 0 323M 160M 181M 106M 0 104M 120M 1M 0 0 28M 0 0 0 0
deferredTaxLiabilitiesNonCurrent 0 57M 18M 66M 29M 0 40M 30M 43M 9M 618 000 721 677 2M 2M 0 0
otherNonCurrentLiabilities 4 004M 5 108M 3 829M 3 863M -135M 3 372M 0 4 741M -43M -9M 462M 3 677M -90M 0 3 010M 3 801M
totalNonCurrentLiabilities 4 004M 5 488M 4 006M 4 124M 0 3 372M 143M 4 904M 43M 9M 463M 3 717M 90M 0 3 022M 3 818M
otherLiabilities 0 0 0 0 4 724M -2 932M 5 338M 0 4 843M 4 368M 3 359M 0 3 962M 4 045M 0 0
capitalLeaseObligations 0 0 0 13M 0 0 0 13M 41M 0 0 11M 0 0 12M 17M
totalLiabilities 6 760M 5 967M 4 658M 4 866M 4 724M 5 321M 5 916M 5 803M 5 444M 5 040M 4 285M 4 084M 4 143M 4 045M 3 366M 4 422M
preferredStock 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
commonStock 207 000 207 000 207 000 206 793 207 000 207 000 207 000 206 793 207 000 207 000 207 000 206 793 207 000 207 000 206 793 202 870
retainedEarnings 5 507M 5 084M 4 633M 4 175M 3 789M 3 470M 3 055M 2 692M 2 562M 2 215M 1 907M 1 623M 1 348M 1 136M 811M -15M
accumulatedOtherComprehensiveIncomeLoss 69M 77M 80M 81M 68M 79M 73M 69M 77M 84M 56M 64M 76M 39M 6M 21M
othertotalStockholdersEquity 2 353M 2 560M 2 722M 3 040M 3 105M 3 094M 3 078M 3 079M 3 079M 3 105M 3 186M
totalStockholdersEquity 7 929M 7 721M 7 435M 6 953M 6 897M 6 654M 6 222M 5 847M 5 717M 5 377M 5 043M 4 753M 4 530M 4 361M 3 977M 3 075M
totalEquity 7 929M 7 721M 7 435M 6 953M 6 897M 6 654M 6 222M 5 847M 5 717M 5 377M 5 043M 4 753M 4 530M 4 361M 3 977M 3 076M
totalLiabilitiesAndStockholdersEquity 14 689M 13 688M 12 093M 11 620M 11 975M 12 139M 11 161M 10 417M 9 328M 8 673M 8 407M
minorityInterest 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1M
totalLiabilitiesAndTotalEquity 14 689M 13 688M 12 093M 11 819M 11 620M 11 975M 12 139M 11 650M 11 161M 10 417M 9 328M 8 838M 8 673M 8 407M 7 343M 7 498M
totalInvestments 1 848M 5 964M 5 144M 5 841M 1 359M 1 254M 1 115M 6 058M 781M 719M 685M 4 629M 734M 0 3 541M 3 469M
totalDebt 566M 402M 604M 341M 434M 475M 435M 578M 558M 663M 463M 82M 90M 20M 179M 367M
netDebt -324M -2 893M -2 912M -2 602M -2 350M -2 727M -2 575M -2 320M -2 699M -2 417M -2 343M -2 291M -2 195M -2 375M -1 906M -1 287M
link Link Link Link Link Link Link
finalLink Link Link Link Link Link Link
filingDate 2025-04-25 2024-04-29 2023-04-27 2022-04-28 2021-05-14
fiscalYear 2024 2023 2022 2021 2020
accountsReceivables 2 030M 1 660M 1 164M 755M 425M
otherReceivables 18M 25M 36M 79M 64M
prepaids 11M 8M 23M 21M 59M
totalPayables 258M 180M 195M 83M 127M
otherPayables 0 0 0 0 0
accruedExpenses 144M 135M 83M 73M 105M
capitalLeaseObligationsCurrent 0 0 0 0 0
capitalLeaseObligationsNonCurrent 13M 13M 11M 12M 17M
treasuryStock -510M -112M -125M 0 0
additionalPaidInCapital 3 207M 3 197M 3 191M 3 160M 3 068M
otherTotalStockholdersEquity 0 0 0 0 0

Cash Flow Statement

Property 2025 q3 2025 q2 2025 q1 2024 q4 2023 q4 2023 q3 2023 q2 2022 q4 2021 q4 2020 q4 2020 q3 2020 q2
date 2025-09-30 2025-06-30 2025-03-31 2024-12-31 2023-12-31 2023-09-30 2023-06-30 2022-12-31 2021-12-31 2020-12-31 2020-09-30 2020-06-30
symbol XYF XYF XYF XYF XYF XYF XYF XYF XYF XYF XYF XYF
reportedCurrency CNY CNY CNY CNY CNY CNY CNY CNY CNY CNY CNY CNY
cik 2M 2M 2M 2M 2M 2M 2M 2M 2M 2M 2M 2M
fillingDate 2025-11-20 2025-08-18 2025-05-19 2023-09-30 2023-06-30 2020-09-30 2020-06-30
acceptedDate 2025-11-20 17:00:19 2025-08-18 17:00:36 2025-05-19 17:00:44 2025-04-25 06:06:18 2024-04-29 16:02:04 2023-09-28 20:00:00 2023-06-28 20:00:00 2023-04-27 16:04:16 2022-04-28 06:48:18 2021-05-14 17:01:22 2020-09-29 20:00:00 2020-06-29 20:00:00
calendarYear 2025 2025 2025 2023 2023 2020 2020
period Q3 Q2 Q1 FY FY Q3 Q2 FY FY FY Q3 Q2
netIncome 421M 528M 458M 1 540M 1 187M 350M 378M 812M 825M -1 308M -113M -344M
depreciationAndAmortization 0 0 0 7M 5M 0 0 7M 8M 12M 0 0
deferredIncomeTax 0 0 0 -27M -18M 0 0 196M 333M -143M 0 0
stockBasedCompensation 0 13M 0 40M 43M 0 0 54M 88M 80M 0 0
changeInWorkingCapital 0 0 0 -428M -634M 0 0 -985M -1 165M -883M 0 0
accountsReceivables 0 0 0 -406M -510M 0 0 21 836M 77 248M 221M 0 0
inventory 0 0 0 0 0 0 0 0 0 0 0 0
accountsPayables 0 0 0 0 0 0 0 0 0 0 0 0
otherWorkingCapital 0 0 0 -23M -124M 0 0 -22 821M -78 413M -1 104M 0 0
otherNonCashItems -421M -541M -458M 392M 231M -350M -378M 240M 359M 1 563M 113M 344M
netCashProvidedByOperatingActivities 0 0 0 1 523M 814M 0 0 323M 449M -679M 0 0
investmentsInPropertyPlantAndEquipment 0 0 0 -14M -8M 0 0 -6M -3M -5M 0 0
acquisitionsNet 0 0 0 0 0 0 0 0 0 0 0 0
purchasesOfInvestments 0 0 0 -149M -424M 0 0 -91M -428M -10M 0 0
salesMaturitiesOfInvestments 0 0 0 391M 0 0 0 7M 76M 0 0 0
otherInvestingActivites 0 0 0 0 0 0 0
netCashUsedForInvestingActivites 0 0 0 0 0 0 0
debtRepayment 0 0 0 0 0 0 0
commonStockIssued 0 0 0 0 0 0 0
commonStockRepurchased 0 0 0 -182M -25M 0 0 -147M 0 -68 936 0 0
dividendsPaid 0 0 0 0 0 0 0
otherFinancingActivites 0 0 0 0 0 0 0
netCashUsedProvidedByFinancingActivities 0 0 0 0 0 0 0
effectOfForexChangesOnCash 0 0 0 7M 2M 0 0 29M -9M -28M 0 0
netChangeInCash 0 0 0 -283M 938M 162M 252M 15M -606M 78M 0 0
cashAtEndOfPeriod 0 0 0 1 662M 1 945M 3 856M 3 664M 1 007M 992M 1 599M 0 0
cashAtBeginningOfPeriod 0 0 0 1 945M 1 007M 3 695M 3 412M 992M 1 599M 1 520M 0 0
operatingCashFlow 0 0 0 1 523M 814M 0 0 323M 449M -679M 0 0
capitalExpenditure 0 0 0 -14M -8M 0 0 -6M -3M -5M 0 0
freeCashFlow 0 0 0 1 509M 806M 0 0 317M 447M -685M 0 0
link Link Link Link
finalLink Link Link Link
filingDate 2025-04-25 2024-04-29 2023-04-27 2022-04-28 2021-05-14
fiscalYear 2024 2023 2022 2021 2020
otherInvestingActivities -106M -674M -824M -1 993M -3 690M
netCashProvidedByInvestingActivities 122M -1 106M -913M -2 348M -3 705M
netDebtIssuance -237M 495M -96M 18M 351M
longTermNetDebtIssuance 0 0 -1 678M 202M 0
shortTermNetDebtIssuance -237M 495M -96M -184M 351M
netStockIssuance -182M -25M -147M 0 -68 936
netCommonStockIssuance -182M -25M -147M 0 -68 936
commonStockIssuance 0 0 0 0 0
netPreferredStockIssuance 0 0 0 0 0
netDividendsPaid -117M -58M 0 0 0
commonDividendsPaid -117M -58M 0 0 0
preferredDividendsPaid 0 0 0 0 0
otherFinancingActivities -1 400M 816M 819M 1 284M 4 140M
netCashProvidedByFinancingActivities -1 935M 1 227M 576M 1 301M 4 491M
incomeTaxesPaid 289M 102M 37M 31M 108M
interestPaid 24M 23M 2M 7M 11M

Earning call transcript

2025 q3
2025-11-21 ET (fiscal 2025 q3)
2025 q2
2025-08-19 ET (fiscal 2025 q2)
2025 q1
2025-05-20 ET (fiscal 2025 q1)
2024 q4
2025-03-20 ET (fiscal 2024 q4)
2024 q3
2024-11-27 ET (fiscal 2024 q3)
2024 q2
2024-08-22 ET (fiscal 2024 q2)
2024 q1
2024-05-31 ET (fiscal 2024 q1)
2023 q3
2023-11-23 ET (fiscal 2023 q3)
2023 q2
2023-08-29 ET (fiscal 2023 q2)
2023 q1
2023-05-25 ET (fiscal 2023 q1)
2022 q3
2022-11-17 ET (fiscal 2022 q3)
2022 q2
2022-08-09 ET (fiscal 2022 q2)
2022 q1
2022-05-24 ET (fiscal 2022 q1)

SEC forms

Show financial reports only

SEC form 6
2025-11-20 22:00 ET
X Financial published news for 2025 q3
SEC form 6
2025-11-20 22:00 ET
X Financial reported for 2025 q3
SEC form 6
2025-11-18 11:02 ET
X Financial published news for 2025 q3
SEC form 6
2025-11-18 11:02 ET
X Financial published news for 2025 q3
SEC form 6
2025-11-18 11:02 ET
X Financial published news for 2025 q3
SEC form 6
2025-09-26 20:30 ET
X Financial published news for 2025 q2
SEC form 6
2025-08-18 21:00 ET
X Financial published news for 2025 q2
SEC form 6
2025-08-18 21:00 ET
X Financial reported for 2025 q2
SEC form 6
2025-05-23 10:36 ET
X Financial published news for 2025 q1
SEC form 6
2025-05-23 10:36 ET
X Financial published news for 2025 q1
SEC form 6
2025-05-19 21:00 ET
X Financial reported for 2025 q1
SEC form 6
2025-05-19 21:00 ET
X Financial published news for 2025 q1
SEC form 20
2025-04-25 00:00 ET
X Financial published news for 2025 q1
SEC form 20
2025-04-25 00:00 ET
X Financial published news for 2025 q1
SEC form 20
2025-04-25 00:00 ET
X Financial published news for 2025 q1
SEC form 20
2025-04-25 00:00 ET
X Financial published news for 2025 q1
SEC form 20
2025-04-25 00:00 ET
X Financial published news for 2025 q1
SEC form 20
2025-04-25 00:00 ET
X Financial published news for 2025 q1
SEC form 20
2025-04-25 00:00 ET
X Financial published news for 2025 q1
SEC form 6
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X Financial published news for 2024 q3
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2024-11-22 06:30 ET
X Financial published news for 2024 q3
SEC form 6
2024-11-22 06:30 ET
X Financial published news for 2024 q3
SEC form 6
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X Financial published news for 2024 q3
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2024-08-21 17:00 ET
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SEC form 6
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X Financial reported for 2024 q2
SEC form 6
2024-05-30 17:04 ET
X Financial published news for 2024 q1
SEC form 6
2024-05-30 17:04 ET
X Financial reported for 2024 q1
SEC form 20
2024-04-29 00:00 ET
X Financial published news for 2024 q1
SEC form 20
2024-04-29 00:00 ET
X Financial published news for 2024 q1
SEC form 20
2024-04-29 00:00 ET
X Financial published news for 2024 q1
SEC form 20
2024-04-29 00:00 ET
X Financial published news for 2024 q1
SEC form 20
2024-04-29 00:00 ET
X Financial published news for 2024 q1
SEC form 20
2024-04-29 00:00 ET
X Financial published news for 2024 q1
SEC form 20
2024-04-29 00:00 ET
X Financial published news for 2024 q1
SEC form 20
2024-04-29 00:00 ET
X Financial published news for 2024 q1
SEC form 20
2024-04-29 00:00 ET
X Financial published news for 2024 q1
SEC form 20
2024-04-29 00:00 ET
X Financial published news for 2024 q1
SEC form 20
2024-04-29 00:00 ET
X Financial published news for 2024 q1
SEC form 20
2024-04-29 00:00 ET
X Financial published news for 2024 q1
SEC form 20
2024-04-29 00:00 ET
X Financial published news for 2024 q1
SEC form 20
2024-04-29 00:00 ET
X Financial published news for 2024 q1
SEC form 20
2024-04-29 00:00 ET
X Financial published news for 2024 q1
SEC form 20
2024-04-29 00:00 ET
X Financial published news for 2024 q1
SEC form 20
2024-04-29 00:00 ET
X Financial published news for 2024 q1
SEC form 20
2024-04-29 00:00 ET
X Financial published news for 2024 q1
SEC form 20
2024-04-29 00:00 ET
X Financial published news for 2024 q1
SEC form 20
2024-04-29 00:00 ET
X Financial published news for 2024 q1
SEC form 20
2024-04-29 00:00 ET
X Financial published news for 2024 q1
SEC form 20
2024-04-29 00:00 ET
X Financial published news for 2024 q1
SEC form 20
2024-04-29 00:00 ET
X Financial published news for 2024 q1
SEC form 20
2024-04-29 00:00 ET
X Financial published news for 2024 q1
SEC form 20
2024-04-29 00:00 ET
X Financial published news for 2024 q1
SEC form 20
2024-04-29 00:00 ET
X Financial published news for 2024 q1
SEC form 6
2024-03-26 17:00 ET
X Financial reported for 2023 q4
SEC form 6
2024-03-26 17:00 ET
X Financial published news for 2023 q4
SEC form 6
2023-11-22 17:00 ET
X Financial reported for 2023 q3
SEC form 6
2023-11-17 06:30 ET
X Financial published news for 2023 q3
SEC form 6
2023-08-28 17:00 ET
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2023-05-24 17:00 ET
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2023-04-27 16:04 ET
X Financial published news for 2023 q1
SEC form 20
2023-04-27 00:00 ET
X Financial published news for 2023 q1
SEC form 6
2023-03-30 17:00 ET
X Financial reported for 2022 q4
SEC form 6
2022-11-16 17:00 ET
X Financial published news for 2022 q3
SEC form 6
2022-11-14 17:10 ET
X Financial published news for 2022 q3
SEC form 6
2022-09-30 06:10 ET
X Financial published news for 2022 q2
SEC form 6
2022-08-08 17:10 ET
X Financial published news for 2022 q2
SEC form 6
2022-05-23 17:10 ET
X Financial published news for 2022 q1
SEC form 6
2022-05-10 06:21 ET
X Financial published news for 2022 q1
SEC form 6
2022-04-28 06:48 ET
X Financial published news for 2022 q1
SEC form 20
2022-04-28 00:00 ET
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SEC form 6
2022-03-30 17:10 ET
X Financial published news for 2021 q4
SEC form 6
2021-12-29 17:10 ET
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SEC form 6
2021-11-22 16:10 ET
X Financial published news for 2021 q3
SEC form 6
2021-11-19 16:10 ET
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SEC form 6
2021-08-09 17:00 ET
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SEC form 6
2021-06-15 17:03 ET
X Financial published news for 2021 q1
SEC form 6
2021-05-26 06:09 ET
X Financial published news for 2021 q1
SEC form 6
2021-05-24 06:08 ET
X Financial published news for 2021 q1
SEC form 6
2021-05-14 17:01 ET
X Financial published news for 2021 q1
SEC form 20
2021-05-14 00:00 ET
X Financial published news for 2021 q1
SEC form 6
2021-04-29 06:05 ET
X Financial published news for 2021 q1
SEC form 6
2021-04-23 17:00 ET
X Financial published news for 2021 q1
SEC form 6
2021-03-02 06:10 ET
X Financial published news for 2020 q4
SEC form 6
2020-12-03 06:16 ET
X Financial published news for 2020 q3
SEC form 6
2020-12-01 17:10 ET
X Financial published news for 2020 q3
SEC form 6
2020-11-10 17:10 ET
X Financial published news for 2020 q3
SEC form 6
2020-11-09 17:10 ET
X Financial published news for 2020 q3