X Financial
XYF · NYSE
12/31/2024 | 12/31/2023 | 12/31/2022 | 12/31/2021 | |
|---|---|---|---|---|
| Revenue | $5,872 | $3,277 | $2,323 | $1,512 |
| % Growth | 79.2% | 41.1% | 53.7% | – |
| Cost of Goods Sold | $1,960 | $1,679 | $1,001 | $145 |
| Gross Profit | $3,912 | $1,598 | $1,322 | $1,367 |
| % Margin | 66.6% | 48.8% | 56.9% | 90.4% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $176 | $154 | $143 | $188 |
| SG&A Expenses | $212 | $154 | $143 | $209 |
| Sales & Mktg Exp. | $36 | $13 | $15 | $21 |
| Other Operating Expenses | $1,827 | -$24 | -$41 | -$33 |
| Operating Expenses | $2,038 | $130 | $103 | $176 |
| Operating Income | $1,874 | $1,469 | $1,220 | $1,191 |
| % Margin | 31.9% | 44.8% | 52.5% | 78.8% |
| Other Income/Exp. Net | $72 | -$21 | -$12 | $0 |
| Pre-Tax Income | $1,946 | $1,448 | $1,208 | $1,191 |
| Tax Expense | $406 | $261 | $396 | $369 |
| Net Income | $1,540 | $1,187 | $812 | $825 |
| % Margin | 26.2% | 36.2% | 35% | 54.6% |
| EPS | 191.88 | 148.32 | 92.52 | 90.36 |
| % Growth | 29.4% | 60.3% | 2.4% | – |
| EPS Diluted | 189 | 146.88 | 90.72 | 88.2 |
| Weighted Avg Shares Out | 48 | 48 | 53 | 55 |
| Weighted Avg Shares Out Dil | 49 | 48 | 54 | 56 |
| Supplemental Information | – | – | – | – |
| Interest Income | $1,371 | $1,117 | $970 | $692 |
| Interest Expense | $1,582 | $1,371 | $833 | $0 |
| Depreciation & Amortization | $7 | $5 | $7 | $8 |
| EBITDA | $3,708 | $1,474 | $1,227 | $1,199 |
| % Margin | 63.1% | 45% | 52.8% | 79.3% |