X Financial (XYF) EBIT (2017 - 2026)
X Financial (XYF) posted EBIT of $28.6 million for Q2 2026, up 40.99% on a QoQ basis from $20.3 million in Q1 2026, and down 69.62% year-over-year from $94.2 million in Q2 2025.
Analysis
X Financial (XYF) EBIT (2017 - 2026) Analysis & Trends
X Financial has reported EBIT for 10 years, with the latest figure at $28.6 million in Q2 2026.
- On a quarterly basis, EBIT fell 69.62% year-over-year to $28.6 million in Q2 2026; TTM through Jun 2026 was $102.4 million, a 67.77% decrease from a year earlier, with the FY2025 full-year figure at $226.8 million, down 13.02% from the prior year.
- EBIT was $28.6 million for Q2 2026 at X Financial, up from $20.3 million in the prior quarter.
- The five-year high for EBIT was $94.2 million in Q2 2025, with the low at $2.9 million in Q4 2025.
- Average EBIT over 5 years is $50.3 million, with a median of $50.0 million recorded in 2022.
- The sharpest annual moves came in 2023 and 2025: EBIT soared 116.22% in 2023, then sank 95.99% in 2025.
- Over 5 years, EBIT stood at $39.7 million in 2022, then retreated by 9.86% to $35.8 million in 2023, then soared by 100.97% to $72.0 million in 2024, then tumbled by 95.99% to $2.9 million in 2025, then surged by 892.38% to $28.6 million in 2026.
- The last three EBIT figures came in at $28.6 million (Q2 2026), $20.3 million (Q1 2026), and $2.9 million (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBIT (Qtr) |
|---|---|---|---|---|---|
| 1 | Upstart Holdings | 2.43 Bn | 1.99 Bn | 303.39 Mn | 14.64 Mn |
| 2 | Pagaya Technologies | 1.70 Bn | 1.51 Bn | 168.33 Mn | 105.80 Mn |
| 3 | Qfin Holdings | 986.27 Mn | -9.51 Mn | - | 170.50 Mn |
| 4 | FinVolution | 836.54 Mn | -90.46 Mn | - | 77.73 Mn |
| 5 | X Financial | 386.17 Mn | -182.14 Mn | 84.09 Mn | 28.63 Mn |
| 6 | Open Lending | 371.20 Mn | 186.25 Mn | 15.64 Mn | -633,000.00 |
| 7 | Blend Labs | 279.09 Mn | 234.22 Mn | 24.89 Mn | -1.58 Mn |
| 8 | LexinFintech Holdings | 251.25 Mn | 251.25 Mn | 73.06 Mn | 161.06 Mn |
| 9 | Jiayin | 76.25 Mn | 2.23 Mn | - | -36.22 Mn |
| 10 | Antalpha Platform Holding | 76.02 Mn | -813.69 Mn | 11.94 Mn | 25.07 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 28.63 Mn |
| Mar 31, 2026 | 20.31 Mn |
| Dec 31, 2025 | 2.89 Mn |
| Sep 30, 2025 | 50.57 Mn |
| Jun 30, 2025 | 94.24 Mn |
| Mar 31, 2025 | 78.95 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 | 59.59 Mn |
| Jun 30, 2023 | 63.55 Mn |
| Mar 31, 2023 | 47.91 Mn |
| Dec 31, 2022 | 39.72 Mn |
| Sep 30, 2022 | 43.92 Mn |
| Jun 30, 2022 | 29.39 Mn |
| Mar 31, 2022 | 49.49 Mn |
| Dec 31, 2021 | 48.89 Mn |
| Sep 30, 2021 | 63.46 Mn |