$XYF Cashflow Statement | Understand Stock

$XYF

$4.85 -$0.03 (0.61%) Close

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Financial Statements

Income Statement Balance Sheet Cashflow Statement

Consolidated statements of cash flows

In millions of CNY, except per-share amounts

	FY2025 12 months to Dec 31, 2025	FY2024 12 months to Dec 31, 2024	FY2023 12 months to Dec 31, 2023	FY2022 12 months to Dec 31, 2022	FY2021 12 months to Dec 31, 2021
CASH FLOWS FROM OPERATING ACTIVITIES
Net income
Consolidated Trusts
Total net income

Adjustments to reconcile net income to net cash provided by operating activities:
Depreciation and amortization
Share-based compensation
Impairment losses on financial investments
Impairment losses on long-term investments
Loss (gain) from equity in affiliates, net of tax
Loss (gain) from financial investments at equity method, net of tax
Dividends from equity in affiliates
Dividends from financial investments at equity method
Loss (gain) from disposal of property and equipment
Loss (income) from financial investments
(Income) loss from financial investments
Provision for accounts receivable and contract assets
Xiaoying Housing Loan
Total provision for accounts receivable and contract assets
Provisions for loans receivable from Xiaoying Credit Loans and other loans
Xiaoying Housing Loan
Xiaoying Credit Loans And Revolving Loans
Total provisions for loans receivable from Xiaoying Credit Loans and other loans

Reversal of provision for loan receivable from Xiaoying Housing Loans
Xiaoying Housing Loan
Total reversal of provision for loan receivable from Xiaoying Housing Loans
Provision for contingent guarantee liabilities
(Reversal of) provision for credit losses on deposits to institutional cooperators
Xiaoying Credit Loans And Revolving Loans
Total (Reversal of) provision for credit losses on deposits to institutional cooperators

Provision for credit losses for other financial assets
Fair value adjustments related to Consolidated Trusts
Change in fair value of financial guarantee derivative
Deferred tax benefits
Other non-cash expenses (income)
Changes in operating assets and liabilities:
Accounts receivable and contract assets
Deposits to institutional cooperators
Prepaid expenses and other current assets
Loan receivable from Xiaoying Housing Loans
Xiaoying Credit Loans And Revolving Loans
Xiaoying Housing Loan
Purchase of trading financial investments
Collection of trading financial investment
Other non-current assets
Contingent guarantee liabilities
Deferred guarantee income
Financial guarantee derivative
Accrued payroll and welfare
Other taxes payable
Income taxes payable
Deposit payable to channel cooperators
Accrued expenses and other current liabilities
Interest receivable / payable
CASH PROVIDED BY OPERATING ACTIVITIES
Consolidated Trusts
Total cASH PROVIDED BY OPERATING ACTIVITIES
CASH FLOWS FROM INVESTING ACTIVITIES
Purchase of property and equipment and intangible assets
Disposal of property and equipment
Purchase of financial investments
Collection of financial investments
Purchase of long-term investment
Collection of long-term investment
Loan to a related party
Loan repayment from a related party
Xiaoying Credit Loans And Revolving Loans
Total loan repayment from a related party

Purchase of short-term investment
Origination of loans receivables from Xiaoying Credit Loans and other loans
Xiaoying Credit Loans And Revolving Loans
Consolidated Partnerships

Sale and collection of loans receivables from Xiaoying Credit Loans and other loans
Xiaoying Credit Loans And Revolving Loans
Total sale and collection of loans receivables from Xiaoying Credit Loans and other loans

Principal of loans at fair value
Principal collection of loans at fair value
Consolidated Partnerships
Total principal collection of loans at fair value

Principal of loans receivables of the Consolidated Trusts and Partnerships at amortized cost
Consolidated Partnerships
Total principal of loans receivables of the Consolidated Trusts and Partnerships at amortized cost
Principal collection of loans receivables of the Consolidated Trusts and Partnerships at amortized cost
Consolidated Partnerships
Shenzhen Xiaoying Microcredit Co., Ltd
Shenzhen Quanbei Microcredit Co. Ltd
Total principal collection of loans receivables of the Consolidated Trusts and Partnerships at amortized cost

Collection of loans' earnings rights from related party
CASH (USED IN) PROVIDED BY INVESTING ACTIVITIES
Consolidated Trusts
Total cASH (USED IN) PROVIDED BY INVESTING ACTIVITIES

CASH FLOWS FROM FINANCING ACTIVITIES
Repurchase of common shares
Proceeds from exercise of options
Dividends to shareholders
Acquisition of non-controlling interests
Proceeds from short-term borrowings
Repayments of short-term borrowings
Cash received from institutional funding partners
Cash paid to institutional funding partners
Cash received from investors of Consolidated Trusts at fair value
Consolidated Partnerships
Consolidated Trusts
Total cash received from investors of Consolidated Trusts at fair value

Cash paid to investors of Consolidated Trusts at fair value
Consolidated Trusts
Total cash paid to investors of Consolidated Trusts at fair value

Cash received from investors and institutional funding partners of the Consolidated Trusts and Partnerships at amortized cost
Cash paid to investors and institutional funding partners of the Consolidated Trusts and Partnerships at amortized cost
CASH PROVIDED BY (USED IN) FINANCING ACTIVITIES
Consolidated Trusts
Total cASH PROVIDED BY (USED IN) FINANCING ACTIVITIES
Effect of foreign exchange rate changes
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS AND RESTRICTED CASH
CASH AND CASH EQUIVALENTS AND RESTRICTED CASH AT BEGINNING OF YEAR
CASH AND CASH EQUIVALENTS AND RESTRICTED CASH AT YEAR END
Switch out from VC funds measured at fair value
Switch in VC funds measured at fair value
Income taxes paid, net of refunds
Interest paid for borrowings
Cash and cash equivalents
Restricted cash
Consolidated Trusts
Total restricted cash

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