X Financial (XYF) EBITDA (2017 - 2025)

X Financial's EBITDA history runs 9 years deep, the most recent figure standing at $7.4 million for 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 was $7.4 million for Q4 2025 at X Financial, down from $58.0 million in the prior quarter.
• In the past five years, EBITDA ranged from a high of $73.3 million in Q2 2025 to a low of $7.4 million in Q4 2025.
• Historically, EBITDA has averaged $42.0 million across 5 years, with a median of $42.0 million in 2021.
• The sharpest annual moves came in 2024 and 2025: EBITDA jumped 114.24% in 2024, then sank 86.46% in 2025.
• A 5-year view of EBITDA shows it stood at $21.2 million in 2021, then jumped by 78.78% to $38.0 million in 2022, then tumbled by 32.76% to $25.5 million in 2023, then jumped by 114.24% to $54.7 million in 2024, then tumbled by 86.46% to $7.4 million in 2025.
• The last three EBITDA figures came in at $7.4 million (Q4 2025), $58.0 million (Q3 2025), and $73.3 million (Q2 2025), per Business Quant data.