Xiaoying Credit Loans was X Financial’s largest segment in fiscal 2025, bringing in $6.98B of $7.64B (91%).
| Information by the level at which an entity fulfills a similar need for a market segment or market as a whole, as set of common specific characteristics in products or goods. | FY 2016 | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Xiaoying Credit Loans | $3.40B | $4.53B | $5.47B | $6.98B | ||||||
| Xiaoying Credit Loan | — | — | — | — | ||||||
| Other Service | $158.85M | $283.03M | $397.95M | $658.44M | ||||||
| Other Services | — | — | — | — | ||||||
| Xiaoying Revolving Loan | $438.00K | $1.60M | — | — | ||||||
| Xiaoying Revolving Loans | — | — | — | — | ||||||
| Xiaoying Preferred Loan | — | — | — | — | ||||||
| Internet Channel | — | — | — | — | ||||||
| Xiaoying Housing Loan | — | — | — | — | ||||||
| Other Loans | $7.04M | $4.02M | — | — | ||||||
| Other Loan Products | — | — | — | — | ||||||
| Xiaoying Card Loan | — | — | — | — | ||||||
| Total | $3.56B | $4.81B | $5.87B | $7.64B |
X Financial brought in $7.64B from its two segments in fiscal 2025, the year ended December 31, 2025. That was up 30.1% from $5.87B in fiscal 2024. Xiaoying Credit Loans was the largest at $6.98B (91.4%), ahead of Other Service at $658.44M (8.6%).
Compared with fiscal 2024, Other Service grew 65.5% to $658.44M and Xiaoying Credit Loans grew 27.5% to $6.98B.
X Financial stopped reporting Other Loans ($4.02M in fiscal 2023) and Xiaoying Revolving Loan ($1.60M in fiscal 2023) as separate segments.
Loan Facilitation Service was X Financial’s largest product and service line in fiscal 2025, bringing in $3.84B of $7.64B (50%).
| Product and Service | FY 2016 | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Loan Facilitation Service | $2.04B | $2.74B | $3.10B | $3.84B | ||||||
| Loan Facilitation Service-Direct Model | — | — | — | — | ||||||
| Financing Income | $966.28M | $1.14B | $1.37B | $1.40B | ||||||
| Post-Origination Service | $372.45M | $596.58M | $759.54M | $1.07B | ||||||
| Guarantee Income | — | $24.50M | $201.72M | $636.57M | ||||||
| Other Revenue | $179.88M | $315.49M | $436.18M | $688.42M | ||||||
| Loan Facilitation Service-Intermediary Model | — | — | — | — | ||||||
| Total | $3.56B | $4.81B | $5.87B | $7.64B |
X Financial brought in $7.64B from its five product and service lines in fiscal 2025, the year ended December 31, 2025. That was up 30.1% from $5.87B in fiscal 2024. Loan Facilitation Service was the largest at $3.84B (50.3%), ahead of Financing Income at $1.40B (18.3%) and Post-Origination Service at $1.07B (14.1%). The other two lines brought in $1.32B combined.
Compared with fiscal 2024, Guarantee Income grew fastest, up 215.6% to $636.57M. Every line above 2% of revenue grew.
X Financial began breaking out Guarantee Income in fiscal 2023, when it brought in $24.50M.
X Financial (XYF) reports its revenue by information by the level at which an entity fulfills a similar need for a market segment or market as a whole, as set of common specific characteristics in products or goods. and by product and service. In fiscal 2025, Xiaoying Credit Loans was its largest segment, bringing in $6.98B (91.4% of the total), followed by Other Service at $658.44M (8.6%).
Xiaoying Credit Loans was X Financial's largest segment in fiscal 2025, bringing in $6.98B, or 91.4% of the $7.64B total across its two segments.
Loan Facilitation Service was X Financial's largest product and service line in fiscal 2025, bringing in $3.84B, or 50.3% of the $7.64B total across its five product and service lines.
Other Service grew faster than Xiaoying Credit Loans in fiscal 2025, up 65.5% from $397.95M to $658.44M. Xiaoying Credit Loans grew 27.5% to $6.98B.
Every figure comes from X Financial's annual financial filings, as reported. Each line keeps the name X Financial gives it, and years follow its fiscal calendar.
X Financial's revenue by information by the level at which an entity fulfills a similar need for a market segment or market as a whole, as set of common specific characteristics in products or goods. goes back to fiscal 2016, with figures through fiscal 2025. The latest four fiscal years are free to view, and the full history is available with a Business Quant subscription.