X Financial (XYF) EBIT (2017 - 2026)
X Financial's EBIT was $28.63 million in Q2 2026, down 69.6% from $94.24 million a year earlier but up 41.0% from the prior quarter.
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Analysis
X Financial (XYF) EBIT (2017 - 2026) Analysis & Trends
On a trailing twelve-month basis, X Financial's EBIT was $102.39 million through Jun 30, 2026, down 67.8% year-over-year; for FY2025, it came in at $226.83 million, down 13.0% from FY2024.
- In earlier years, EBIT was $260.77 million in FY2024 (+28.8%), $202.49 million in FY2023 (+29.0%), $156.92 million in FY2022 (-23.7%) and $205.73 million in FY2021.
- Quarterly EBIT has moved between $2.89 million (Q4 2025) and $94.24 million (Q2 2025) over five years.
- Compared with a year earlier, EBIT has declined for four straight quarters, with an average decline of 6.2% over the last eight quarters.
- The best year-over-year quarter for EBIT over five years was Q2 2023 (growth of 108.6%); the worst was Q4 2025 (a decline of 96.0%).
- Per Business Quant data, XYF's EBIT in the three quarters before Q2 2026 was $20.31 million (Q1 2026), $2.89 million (Q4 2025) and $50.57 million (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBIT (Qtr) |
|---|---|---|---|---|---|
| 1 | Block | 52.19 Bn | 23.96 Bn | 3.24 Bn | 428.49 Mn |
| 2 | PayPal Holdings | 50.03 Bn | 8.73 Bn | - | 1.40 Bn |
| 3 | Coinbase Global | 35.13 Bn | -4.52 Bn | - | 61.67 Mn |
| 4 | Fiserv | 33.23 Bn | 30.43 Bn | 2.76 Bn | -5.49 Bn |
| 5 | Corpay | 29.63 Bn | 18.45 Bn | - | 621.26 Mn |
| 6 | Global Payments | 26.81 Bn | 1.63 Bn | 2.01 Bn | 246.23 Mn |
| 7 | Guidewire Software | 13.13 Bn | 9.70 Bn | 269.68 Mn | 62.32 Mn |
| 8 | Chime Financial | 12.34 Bn | 8.03 Bn | 646.07 Mn | 34.32 Mn |
| 9 | Jack Henry & Associates | 12.26 Bn | 12.16 Bn | 273.85 Mn | 136.77 Mn |
| 10 | X Financial | 225.75 Mn | -305.02 Mn | - | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 28.73 Mn |
| Mar 31, 2026 | 20.39 Mn |
| Dec 31, 2025 | 2.89 Mn |
| Sep 30, 2025 | 50.84 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 | 61.33 Mn |
| Mar 31, 2023 | 44.27 Mn |
| Dec 31, 2022 | 39.72 Mn |
| Sep 30, 2022 | 42.23 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 |
API Access
X Financial EBIT API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=ebit&ticker=XYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebit", "ticker": "XYF", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=ebit&ticker=XYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();