X Financial (XYF) Consolidated Net Income (2017 - 2025)

X Financial (XYF) recorded quarterly Consolidated Net Income of $2.2 million in Q4 2025, down 97.27% quarter-over-quarter from $80.6 million in Q3 2025, and down 97.68% on a YoY basis from $94.8 million in Q4 2024.

X Financial (XYF) Consolidated Net Income (2017 - 2025) 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 $202.9 million, changed 0.49% from the prior year.
  • Consolidated Net Income was $2.2 million for Q4 2025 at X Financial, down from $80.6 million in the prior quarter.
  • In the past five years, Consolidated Net Income ranged from a high of $107.4 million in Q2 2025 to a low of $2.2 million in Q4 2025.
  • Historically, Consolidated Net Income has averaged $66.1 million across 5 years, with a median of $69.9 million in 2023.
  • The sharpest annual moves came in 2021 and 2025: Consolidated Net Income jumped 799.35% in 2021, then sank 97.68% in 2025.
  • A 5-year view of Consolidated Net Income shows it stood at $73.1 million in 2021, then plunged by 30.78% to $50.6 million in 2022, then slipped by 18.24% to $41.4 million in 2023, then surged by 129.07% to $94.8 million in 2024, then tumbled by 97.68% to $2.2 million in 2025.
  • The last three Consolidated Net Income figures came in at $2.2 million (Q4 2025), $80.6 million (Q3 2025), and $107.4 million (Q2 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Consol Net Inc. (Qtr)
1 Visa 541.66 Bn 529.25 Bn - 6.02 Bn
2 Mastercard 437.55 Bn 427.34 Bn - 3.88 Bn
3 American Express 212.80 Bn 158.76 Bn 17.43 Bn 2.97 Bn
4 Capital One Financial 112.47 Bn 35.97 Bn - -7.00 Mn
5 PayPal Holdings 37.70 Bn 28.36 Bn 7.84 Bn 1.11 Bn
6 Synchrony Financial 24.26 Bn 3.70 Bn - 805.00 Mn
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 Mn 102.88 Mn
8 SoFi Technologies 20.46 Bn 17.06 Bn 929.25 Mn 166.73 Mn
9 Ally Financial 13.30 Bn 12.86 Bn 1.98 Bn 319.00 Mn
10 X Financial 162.02 Mn 22.77 Mn 137.63 Mn 2.20 Mn

Historic Data

Download Data
DateValue
Dec 31, 2025 2.20 Mn
Sep 30, 2025 80.61 Mn
Jun 30, 2025 107.39 Mn
Mar 31, 2025 92.51 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 71.89 Mn
Mar 31, 2023 51.63 Mn
Dec 31, 2022 50.59 Mn
Sep 30, 2022 57.73 Mn
Jun 30, 2022 35.65 Mn
Mar 31, 2022 78.27 Mn
Dec 31, 2021 73.08 Mn
Sep 30, 2021 84.74 Mn
Jun 30, 2021 62.76 Mn
Mar 31, 2021 44.38 Mn