X Financial (XYF) Consolidated Net Income (2017 - 2026)
X Financial's Consolidated Net Income was $6.92 million in Q2 2026, down 90.6% from $73.71 million a year earlier but up 25.9% from the prior quarter.
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Analysis
X Financial (XYF) Consolidated Net Income (2017 - 2026) Analysis & Trends
On a trailing twelve-month basis, X Financial's Consolidated Net Income was $79.77 million through Jun 30, 2026, down 67.2% year-over-year; for FY2025, it was $206.95 million, down 1.9% from FY2024.
- In earlier years, Consolidated Net Income was $210.97 million in FY2024 (+26.2%), $167.16 million in FY2023 (+42.0%), $117.73 million in FY2022 (-9.1%) and $129.52 million in FY2021.
- Quarterly Consolidated Net Income has moved between $5.5 million (Q1 2026) and $73.71 million (Q2 2025) over five years.
- Compared with a year earlier, Consolidated Net Income has declined for three straight quarters, with an average decline of 11.3% over the last eight quarters.
- The best year-over-year quarter for Consolidated Net Income over five years was Q3 2021 (growth of 160.9%); the worst was Q1 2026 (a decline of 91.3%).
- Per Business Quant data, XYF's Consolidated Net Income in the three quarters before Q2 2026 was $5.5 million (Q1 2026), $8.17 million (Q4 2025) and $59.17 million (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Consol Net Inc. (Qtr) |
|---|---|---|---|---|---|
| 1 | PayPal Holdings | 50.20 Bn | 8.42 Bn | - | 1.10 Bn |
| 2 | Block | 46.04 Bn | 17.33 Bn | 3.17 Bn | 87.07 Mn |
| 3 | Coinbase Global | 44.07 Bn | 875.36 Mn | - | -359.47 Mn |
| 4 | Corpay | 26.77 Bn | 16.66 Bn | - | 251.79 Mn |
| 5 | Fiserv | 26.39 Bn | 23.07 Bn | 2.90 Bn | 630.00 Mn |
| 6 | Global Payments | 22.43 Bn | 220.96 Mn | 2.03 Bn | 28.92 Mn |
| 7 | Guidewire Software | 15.95 Bn | 12.52 Bn | 269.68 Mn | 31.40 Mn |
| 8 | Bitmine Immersion Technologies | 12.53 Bn | 9.91 Bn | 40.81 Mn | -83.60 Mn |
| 9 | Jack Henry & Associates | 11.58 Bn | 11.48 Bn | 273.85 Mn | 111.23 Mn |
| 10 | X Financial | 195.18 Mn | -1.29 Bn | 84.09 Mn | 5.17 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 5.17 Mn |
| Mar 31, 2026 | 3.64 Mn |
| Dec 31, 2025 | 7.40 Mn |
| Sep 30, 2025 | 57.72 Mn |
| Jun 30, 2025 | 73.32 Mn |
| Mar 31, 2025 | 63.00 Mn |
| Dec 31, 2024 | 54.68 Mn |
| Sep 30, 2024 | 51.90 Mn |
| Jun 30, 2024 | 58.01 Mn |
| Mar 31, 2024 | 50.78 Mn |
| Dec 31, 2023 | 25.52 Mn |
| Sep 30, 2023 | 46.72 Mn |
| Jun 30, 2023 | 54.27 Mn |
| Mar 31, 2023 | 40.35 Mn |
| Dec 31, 2022 | 37.95 Mn |
| Sep 30, 2022 | 36.41 Mn |
| Jun 30, 2022 | 33.57 Mn |
| Mar 31, 2022 | 21.62 Mn |
| Dec 31, 2021 | 22.84 Mn |
| Sep 30, 2021 | 43.44 Mn |
API Access
X Financial Consolidated Net Income API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=consolidated-net-income&ticker=XYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "consolidated-net-income", "ticker": "XYF", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=consolidated-net-income&ticker=XYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();