X Financial (XYF) EBITDA (2017 - 2025)

X Financial (XYF) has reported EBITDA for 9 consecutive years, with $7.4 million the latest figure, recorded in Q4 2025.

• In Q4 2025, EBITDA fell 86.46% year-over-year to $7.4 million; the TTM figure through Dec 2025 stood at $201.7 million (down 6.32% YoY), while the FY2025 annual figure was $207.0 million, down 2.63% from the prior year.
• EBITDA came in at $7.4 million for Q4 2025 at X Financial, down from $58.0 million in the prior quarter.
• The five-year high for EBITDA was $73.3 million in Q2 2025, with the low at $7.4 million in Q4 2025.
• Average EBITDA over 5 years is $42.0 million, with a median of $42.0 million recorded in 2021.
• Across the five-year window, EBITDA jumped 114.24% in 2024 and slumped 86.46% in 2025, its largest moves.
• Year by year, EBITDA stood at $21.2 million in 2021, then jumped by 78.78% to $38.0 million in 2022, then plunged by 32.76% to $25.5 million in 2023, then jumped by 114.24% to $54.7 million in 2024, then plunged by 86.46% to $7.4 million in 2025.
• According to Business Quant data, EBITDA over the past three periods registered $7.4 million, $58.0 million, and $73.3 million for Q4 2025, Q3 2025, and Q2 2025 respectively.