NYSE · XYF
X Financial financials
$5.17+0.78%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 | FY18 Dec 31 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.09B | $804.5M | $680.2M | $516.5M | $570.6M | $335.7M | $443.5M | $532.8M |
| Gross profit | $803.1M | $566.3M | $462.1M | $322.6M | $261.7M | $18.6M | $208.7M | $354.3M |
| Gross margin | 73.6% | 70.4% | 67.9% | 62.5% | 45.9% | 5.5% | 47.1% | 66.5% |
| Operating income | $233.5M | $256.6M | $203.0M | $156.0M | $206.3M | -$218.9M | $116.7M | $191.9M |
| Net income | $209.3M | $211.0M | $167.7M | $117.7M | $129.9M | -$200.3M | $111.2M | $132.9M |
| Net margin | 19.2% | 26.2% | 24.6% | 22.8% | 22.8% | −59.7% | 25.1% | 24.9% |
| Diluted EPS | $0.84 | $0.72 | $0.58 | $2.52 | $0.39 | $-0.62 | $0.35 | $0.44 |
| EBITDA | $269.8M | $262.5M | $205.5M | $157.0M | $207.6M | -$70.2M | $118.3M | $193.3M |
| Operating cash flow | $209.8M | $208.7M | $196.6M | $90.9M | $70.7M | -$104.0M | $86.2M | $805.7K |
| Free cash flow | $206.6M | $206.8M | $195.4M | $90.0M | $70.3M | -$104.8M | $84.1M | -$5.0M |
| Diluted shares | 249.5M | 293.4M | 290.8M | 46.7M | 336.9M | 321.2M | 319.7M | 304.0M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $141.2M | $134.9M | $168.9M | $87.3M | $92.0M | $114.3M |
| Short-term investments | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Total debt | $58.5M | $45.0M | $79.8M | $30.7M | $99.0M | $346.7M |
| Total assets | $2.10B | $1.62B | $1.65B | $1.28B | $1.16B | $1.15B |
| Total liabilities | $976.1M | $666.7M | $819.8M | $592.1M | $529.6M | $676.9M |
| Shareholders' equity | $1.12B | $952.6M | $826.0M | $689.1M | $625.7M | $470.9M |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology