X Financial (XYF) EBIT (2017 - 2025)

X Financial (XYF) posted quarterly EBIT of $2.9 million for Q4 2025, down 95.99% year-over-year from $72.0 million in Q4 2024, and down 94.29% quarter-over-quarter from $50.6 million in Q3 2025.

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 13.02% from the prior year.
  • EBIT for Q4 2025 stood at $2.9 million, down from $50.6 million in the prior quarter.
  • The five-year high for EBIT was $93.3 million in Q2 2025, with the low at $2.9 million in Q4 2025.
  • The 5-year median for EBIT is $51.4 million (2024), against an average of $52.8 million.
  • The sharpest annual moves came in 2021 and 2025: EBIT soared 324.84% in 2021, then sank 95.99% in 2025.
  • X Financial's EBIT stood at $48.9 million in 2021, then declined by 18.76% to $39.7 million in 2022, then declined by 9.86% to $35.8 million in 2023, then jumped by 100.97% to $72.0 million in 2024, then tumbled by 95.99% to $2.9 million in 2025.
  • Business Quant data shows XYF's EBIT at $2.9 million in Q4 2025, $50.6 million in Q3 2025, and $93.3 million in Q2 2025.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) EBIT (Qtr)
1 Visa 618.21 Bn 605.85 Bn - 6.88 Bn
2 Mastercard 506.53 Bn 493.04 Bn - 5.59 Bn
3 American Express 232.32 Bn 183.00 Bn 17.99 Bn 3.51 Bn
4 Capital One Financial 136.19 Bn 81.48 Bn - 11.07 Bn
5 PayPal Holdings 52.34 Bn 41.08 Bn - 1.43 Bn
6 Eason Technology 35.89 Bn 35.89 Bn - -
7 Synchrony Financial 26.09 Bn 9.90 Bn - 2.16 Bn
8 Affirm Holdings 25.93 Bn 24.20 Bn - 88.43 Mn
9 SoFi Technologies 23.04 Bn 22.68 Bn -41.62 Mn -933.54 Mn
10 X Financial 1.29 Bn 989.81 Mn 137.63 Mn 2.89 Mn

Historic Data

Download Data
DateValue
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 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
Jun 30, 2021 52.26 Mn
Mar 31, 2021 38.34 Mn