X Financial XYF
NYSE XYF
$5.54 +0.16 (+2.97%)
At close: Aug 28, 2026 · 4:00 PM EDT

X Financial (XYF) Consolidated Net Income (2017 - 2026)

X Financial (XYF) posted quarterly Consolidated Net Income of $2.2 million for Q4 2025, down 97.68% year-over-year from $94.8 million in Q4 2024, and down 97.27% quarter-over-quarter from $80.6 million in Q3 2025.

Analysis

X Financial (XYF) Consolidated Net Income (2017 - 2026) Analysis & Trends

X Financial's Consolidated Net Income history runs 9 years deep, the most recent figure standing at $2.2 million for Q4 2025.

  • In Q4 2025, Consolidated Net Income fell 97.68% year-over-year to $2.2 million; the TTM figure through Dec 2025 stood at $282.7 million (down 11.3% YoY), while the FY2025 annual figure was $167.0 million, down 17.88% from the prior year.
  • Consolidated Net Income for Q4 2025 stood at $2.2 million, down from $80.6 million in the prior quarter.
  • The five-year high for Consolidated Net Income was $107.4 million in Q2 2025, with the low at $2.2 million in Q4 2025.
  • The 5-year median for Consolidated Net Income is $66.6 million (2023), against an average of $63.8 million.
  • The sharpest annual moves came in 2021 and 2025: Consolidated Net Income soared 457.11% in 2021, then plunged 97.68% in 2025.
  • X Financial's Consolidated Net Income stood at $55.3 million in 2021, then plunged by 63.19% to $20.4 million in 2022, then surged by 103.01% to $41.4 million in 2023, then jumped by 129.07% to $94.8 million in 2024, then slumped by 97.68% to $2.2 million in 2025.
  • Business Quant data shows XYF's Consolidated Net Income at $2.2 million in Q4 2025, $80.6 million in Q3 2025, and $107.4 million in Q2 2025.
Peer Set

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Consol Net Inc. (Qtr)
1 Visa 680.39 Bn 668.03 Bn - 5.63 Bn
2 Mastercard 518.33 Bn 504.84 Bn - 4.39 Bn
3 American Express 224.91 Bn 175.59 Bn 17.99 Bn 3.11 Bn
4 Capital One Financial 132.31 Bn 77.60 Bn - 3.02 Bn
5 PayPal Holdings 46.25 Bn 35.00 Bn - 1.10 Bn
6 Affirm Holdings 26.22 Bn 24.59 Bn - 1.62 Bn
7 Synchrony Financial 25.37 Bn 9.17 Bn - 885.00 Mn
8 SoFi Technologies 23.30 Bn 20.18 Bn 1.02 Bn 156.59 Mn
9 Ally Financial 12.85 Bn 5.01 Bn 2.08 Bn 410.00 Mn
10 X Financial 433.08 Mn 145.32 Mn 84.09 Mn 40.32 Mn
Historic Data

Historic Data

Download Data
DateValue
Jun 30, 2026 40.32 Mn
Mar 31, 2026 30.18 Mn
Dec 31, 2025 2.20 Mn
Sep 30, 2025 80.61 Mn
Jun 30, 2025 108.43 Mn
Mar 31, 2025 92.67 Mn
Dec 31, 2024 94.75 Mn
Sep 30, 2024 86.90 Mn
Jun 30, 2024 74.34 Mn
Mar 31, 2024 62.73 Mn
Dec 31, 2023 41.36 Mn
Sep 30, 2023 67.94 Mn
Jun 30, 2023 74.49 Mn
Mar 31, 2023 55.30 Mn
Dec 31, 2022 50.59 Mn
Sep 30, 2022 57.73 Mn
Jun 30, 2022 35.66 Mn
Mar 31, 2022 78.27 Mn
Dec 31, 2021 70.22 Mn
Sep 30, 2021 84.73 Mn