Piotroski F-score
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2 checks could not be answered: a figure either filed year needs is missing, not evidence either way.
XYF reported revenue of ¥7.64B and net income of ¥1.46B in FY2025.
| Fiscal year | Revenue | Net income |
|---|---|---|
| 2025 | ¥7.64B | ¥1.46B |
| 2024 | ¥5.87B | ¥1.54B |
| 2023 | ¥4.81B | ¥1.19B |
7 more years are on Measure
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Also filed under Credit Services, ranked by how closely they sit beside XYF.
The assistant answers from what XYF has actually filed: 10 annual reports filed with the SEC and 3 Form 4 filings from the last year. Every figure in a reply links to the filing it came from, so an answer can be checked rather than believed.
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See every filed year for XYF, quarter by quarter.
Cash flow breakdown
What the business generated, and where it went
Operating cash flow
¥1.47B 2025
Cash generated by the business itself
Free cash flow
¥1.45B 2025
Operating cash flow minus capital expenditure
Capital expenditure
¥21.88M 2025
Spending on property, plant and equipment
XYF generated ¥1.47B of operating cash flow. Each figure below is what it did with that, as reported on the same statement.
Reinvested in the business
Spent on its own shares
Paid to shareholders
A non-cash cost, added back above
As reported in the company's own annual filings.
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | ¥1.47B | ¥1.52B | ¥1.39B | ¥626.78M | ¥449.17M | −¥679.23M | ¥600.57M | ¥5.35M | −¥615.33M | ¥82.57M |
| Capital expenditure | ¥21.88M | ¥14.22M | ¥8.47M | ¥6.06M | ¥2.62M | ¥5.37M | ¥15.14M | ¥38.63M | ¥20.65M | ¥3.42M |
| Free cash flow | ¥1.45B |
Financial statements
Every figure below is this company’s, as filed. Measure draws them: 10 years and 0 quarters plotted to scale, on the income statement, balance sheet and cash flow, plus the ratio and estimate sections this page does not carry.
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Gross profit
Plotted to scale onMeasure
Revenue
Plotted to scale onMeasure
As reported in the company's own annual filings.
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ¥7.64B | ¥5.87B | ¥4.81B | ¥3.56B | ¥3.63B | ¥2.19B | ¥3.09B | ¥3.54B | ¥1.79B | ¥230.31M |
| Cost of revenue | ¥2.02B | ¥1.74B | ¥1.54B | ¥1.34B | ¥1.96B | ¥2.07B | ¥1.63B | ¥1.19B | ¥760.14M | ¥259.05M |
| Gross profit | ¥5.62B | ¥4.13B |
Total assets
Plotted to scale onMeasure
Total liabilities
Plotted to scale onMeasure
Shareholder equity
Plotted to scale onMeasure
Cash
Plotted to scale onMeasure
As reported in the company's own annual filings.
| Fiscal year | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total assets | ¥14.67B | ¥11.82B | ¥11.65B | ¥8.84B | ¥7.34B | ¥7.5B | ¥8.28B | ¥4.64B | ¥3.89B | - |
| Cash | ¥2.13B | ¥1.66B | ¥1.94B | ¥1.01B | ¥992.04M | ¥1.6B | ¥1.52B | ¥1.28B | ¥683.98M | ¥504.7M |
| Short-term investments | - | - |
Derived from SEC XBRL filings. Not investment advice.
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See all 10 filed years plotted, not just read
Every annual statement XYF has filed is on this page as figures. Drawn to scale, a trend over the whole record is something you can see rather than something you have to add up.
The charts, to scaleMeasure
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Revenue, margins and cash flow quarter by quarter, where a change in direction shows up first.
Quarterly statementsMeasure
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Why a margin moved, where the cash went: answered from XYF's own statements, not a guess.
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| ¥1.51B |
| ¥1.38B |
| ¥620.73M |
| ¥446.55M |
| −¥684.6M |
| ¥585.42M |
| −¥33.28M |
| −¥635.97M |
| ¥79.14M |
| Stock-based compensation | ¥60.97M | ¥40.18M | ¥42.6M | ¥53.54M | ¥88.43M | ¥80.14M | ¥157.12M | ¥171.84M | ¥74.01M | ¥37.89M |
|---|
| Buybacks | ¥733.98M | ¥182.2M | ¥24.87M | ¥146.74M | ¥0 | - | - | - | - | - |
|---|
| Dividends paid | ¥154.77M | ¥116.64M | ¥58.4M | ¥0 | ¥0 | - | ¥103.2M | - | - | - |
|---|
| ¥3.27B |
| ¥2.23B |
| ¥1.66B |
| ¥121.45M |
| ¥1.45B |
| ¥2.35B |
| ¥1.03B |
| −¥28.75M |
| Selling, general and administrative | ¥199.56M | ¥175.93M | ¥153.94M | ¥143.23M | ¥187.86M | ¥179.23M | ¥227.48M | ¥220.02M | ¥98.24M | ¥61.71M |
|---|
| Operating income | ¥1.63B | ¥1.87B | ¥1.46B | ¥1.21B | ¥1.31B | −¥1.43B | ¥812.58M | ¥1.28B | ¥501.69M | −¥136.77M |
|---|
| Net income | ¥1.46B | ¥1.54B | ¥1.19B | ¥812M | ¥825.41M | −¥1.31B | ¥774.28M | ¥883.11M | ¥340.28M | −¥119.57M |
|---|
| Diluted EPS | ¥5.87 | ¥5.25 | ¥4.08 | ¥2.52 | ¥2.45 | -¥4.07 | ¥2.42 | ¥2.91 | ¥1.22 | -¥0.50 |
|---|
| Diluted shares | 249.49M | 293.35M | 290.83M | 322.4M | 336.88M | 321.24M | 319.75M | 303.98M | 279.71M | 238.1M |
|---|
| Gross margin | 73.55% | 70.40% | 67.93% | 62.46% | 45.87% | 5.54% | 47.06% | 66.50% | 57.46% | −12.48% |
|---|
| Operating margin | 21.34% | 31.91% | 30.37% | 34.07% | 36.15% | −65.22% | 26.31% | 36.02% | 28.08% | −59.39% |
|---|
| Net margin | 19.17% | 26.23% | 24.65% | 22.79% | 22.76% | −59.67% | 25.07% | 24.94% | 19.04% | −51.92% |
|---|
| - |
| - |
| - |
| ¥6M |
| - |
| - |
| - |
| - |
| Total liabilities | ¥6.83B | ¥4.87B | ¥5.8B | ¥4.08B | ¥3.37B | ¥4.42B | ¥3.91B | ¥1.12B | ¥2.12B | - |
|---|
| Shareholder equity | ¥7.84B | ¥6.95B | ¥5.85B | ¥4.75B | ¥3.98B | ¥3.08B | ¥4.37B | ¥3.52B | ¥1.77B | ¥376.5M |
|---|