XYF: financial statements from SEC

Income statement

Metric	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue	7.64bn	5.87bn	4.81bn	3.56bn	3.63bn
Cost of revenue	2.02bn	1.74bn	1.54bn	1.34bn	1.96bn
Selling, general and administrative	200m	24m	154m	143m	188m
Operating expenses	6.01bn	4.00bn	3.35bn	2.35bn	2.32bn
Operating income	1.63bn	257m	1.46bn	1.21bn	1.31bn
Pre-tax income	1.75bn	260m	1.47bn	1.22bn	1.19bn
Income tax	292m	56m	261m	396m	369m
Net income	1.46bn	1.54bn	1.19bn	812m	825m
Earnings per share	6.00	0.73	4.12	2.57	2.51
Earnings per share, diluted	5.87	0.72	4.08	2.52	2.45
Weighted average shares	244m	289m	288m	316m	329m
Weighted average shares, diluted	249m	293m	291m	322m	337m

Metric	Aug 19, 2026	Aug 18, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash and equivalents	—	—	988m	985m	1.20bn	602m	992m	1.60bn
Property, plant and equipment	—	—	24m	2m	9m	6m	—	—
Total assets	—	—	14.67bn	1.62bn	11.65bn	8.84bn	—	—
Short-term debt	—	—	410m	329m	565m	—	—	—
Total liabilities	—	—	6.83bn	4.87bn	5.80bn	4.08bn	—	—
Equity	—	—	7.84bn	6.95bn	5.85bn	4.75bn	3.98bn	3.08bn
Shares outstanding	—	—	235m	251m	294m	288m	—	—
Shares issued	—	—	329m	329m	329m	329m	—	—
Treasury shares	—	—	95m	78m	36m	41m	—	—

Metric	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating cash flow	1.47bn	1.52bn	1.39bn	627m	449m
Depreciation and amortisation	11m	986,228	5m	7m	8m
Share-based compensation	61m	6m	43m	54m	88m
Capital expenditure	22m	14m	8m	6m	3m
Investing cash flow	−1.07bn	17m	−1.68bn	−1.22bn	−2.35bn
Dividends paid	155m	117m	58m	0	0
Share buybacks	734m	182m	25m	147m	0
Financing cash flow	79m	−265m	1.23bn	576m	1.30bn