X Financial revenue

X Financial's revenue was $1.06bn in fiscal 2025, up 30.3% on the year before. Since fiscal 2016 ($34.7m) it has grown at a compound 46.3% a year.

Revenue history

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

X Financial: revenue history, annual
Fiscal year	2016Dec 2016	2017Dec 2017	2018Dec 2018	2019Dec 2019	2020Dec 2020	2021Dec 2021	2022Dec 2022	2023Dec 2023	2024Dec 2024	2025Dec 2025
Revenue	35	265	537	447	318	562	531	680	816	1,063
Growth on the year before	—	+662.5%	+102.8%	−16.6%	−28.9%	+76.9%	−5.6%	+28.2%	+19.9%	+30.3%
Gross profit	−4	152	357	210	18	258	331	462	575	782
Gross margin	−12.5%	57.5%	66.5%	47.1%	5.5%	45.9%	62.5%	67.9%	70.4%	73.6%

Revenue as reported in the company's 10-K and 10-Q filings (for banks, net interest income plus non-interest income). Growth is left blank when the earlier figure was zero or negative.

Revenue against peers

Consumer Finance: the closest covered companies by revenue. Last twelve months.

Company	Revenue	Growth	3-year growth a year
X Financial	$1.06bn	30.3%	—
Happen, Inc.	$1.04bn	10.0%	3.5%
Oportun Financial Corp	$948m	-2.3%	-3.0%
Upstart Holdings, Inc.	$1.25bn	46.3%	31.9%
Jiayin Group Inc.	$866m	7.4%	—
PRA Group Inc	$1.33bn	17.6%	16.9%

Compare with peers

Head to head: HAPN vs XYF OPRT vs XYF UPST vs XYF

More: Consumer Finance stocks compared, Financials sector, rankings of US companies

Figures from X Financial's SEC filings (10-K and 10-Q). How we read and check them: methodology and data sources. Not investment advice. Back to X Financial.