X Financial (XYF) EBIT (2017 - 2025)
X Financial (XYF) recorded quarterly EBIT of $2.9 million in Q4 2025, down 94.29% quarter-over-quarter from $50.6 million in Q3 2025, and down 95.99% on a YoY basis from $72.0 million in Q4 2024.
X Financial (XYF) EBIT (2017 - 2025) Analysis & Trends
X Financial's EBIT history runs 9 years deep, the most recent figure standing at $2.9 million for Q4 2025.
- In Q4 2025, EBIT fell 95.99% year-over-year to $2.9 million; the TTM figure through Dec 2025 stood at $225.6 million (down 13.35% YoY), while the FY2025 annual figure was $226.8 million, down 11.64% from the prior year.
- EBIT was $2.9 million for Q4 2025 at X Financial, down from $50.6 million in the prior quarter.
- In the past five years, EBIT ranged from a high of $93.3 million in Q2 2025 to a low of $2.9 million in Q4 2025.
- Historically, EBIT has averaged $52.6 million across 5 years, with a median of $51.4 million in 2024.
- The sharpest annual moves came in 2021 and 2025: EBIT jumped 534.78% in 2021, then slumped 95.99% in 2025.
- A 5-year view of EBIT shows it stood at $48.9 million in 2021, then fell by 18.76% to $39.7 million in 2022, then fell by 9.86% to $35.8 million in 2023, then surged by 100.97% to $72.0 million in 2024, then plunged by 95.99% to $2.9 million in 2025.
- The last three EBIT figures came in at $2.9 million (Q4 2025), $50.6 million (Q3 2025), and $93.3 million (Q2 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBIT (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 7.23 Bn |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 4.91 Bn |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 3.55 Bn |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 6.79 Bn |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 1.49 Bn |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 2.02 Bn |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 88.43 Mn |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 37.32 Mn |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 746.00 Mn |
| 10 | X Financial | 162.02 Mn | 22.77 Mn | 137.63 Mn | 2.89 Mn |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 2.89 Mn |
| Sep 30, 2025 | 50.57 Mn |
| Jun 30, 2025 | 93.33 Mn |
| Mar 31, 2025 | 78.81 Mn |
| Dec 31, 2024 | 71.95 Mn |
| Sep 30, 2024 | 72.53 Mn |
| Jun 30, 2024 | 63.72 Mn |
| Mar 31, 2024 | 52.15 Mn |
| Dec 31, 2023 | 35.80 Mn |
| Sep 30, 2023 | 60.14 Mn |
| Jun 30, 2023 | 61.33 Mn |
| Mar 31, 2023 | 44.27 Mn |
| Dec 31, 2022 | 39.72 Mn |
| Sep 30, 2022 | 43.92 Mn |
| Jun 30, 2022 | 28.94 Mn |
| Mar 31, 2022 | 49.55 Mn |
| Dec 31, 2021 | 48.89 Mn |
| Sep 30, 2021 | 63.72 Mn |
| Jun 30, 2021 | 52.31 Mn |
| Mar 31, 2021 | 38.34 Mn |