X Financial (XYF) EBT (2017 - 2026)
X Financial's EBT was $32.42 million in Q2 2026, down 65.1% from $92.97 million a year earlier but up 63.4% from the prior quarter.
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Analysis
X Financial (XYF) EBT (2017 - 2026) Analysis & Trends
On a trailing twelve-month basis, X Financial's EBT was $126.51 million through Jun 30, 2026, down 60.0% year-over-year; for FY2025, it came in at $250.25 million, down 3.6% from FY2024.
- In earlier years, EBT was $259.52 million in FY2024 (+31.3%), $197.62 million in FY2023 (+11.4%), $177.38 million in FY2022 (-5.1%) and $186.86 million in FY2021.
- Quarterly EBT has moved between $4.47 million (Q4 2025) and $92.97 million (Q2 2025) over five years.
- Compared with a year earlier, EBT has declined for four straight quarters, with an average decline of 2.5% over the last eight quarters.
- The best year-over-year quarter for EBT over five years was Q2 2023 (growth of 112.8%); the worst was Q4 2025 (a decline of 94.0%).
- Per Business Quant data, XYF's EBT in the three quarters before Q2 2026 was $19.84 million (Q1 2026), $4.47 million (Q4 2025) and $69.78 million (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT (Qtr) |
|---|---|---|---|---|---|
| 1 | Block | 52.19 Bn | 23.96 Bn | 3.24 Bn | 612.50 Mn |
| 2 | PayPal Holdings | 50.03 Bn | 8.73 Bn | - | 1.37 Bn |
| 3 | Coinbase Global | 35.13 Bn | -4.52 Bn | - | 823.90 Mn |
| 4 | Fiserv | 33.23 Bn | 30.43 Bn | 2.76 Bn | -5.80 Bn |
| 5 | Corpay | 29.63 Bn | 18.45 Bn | - | 502.31 Mn |
| 6 | Global Payments | 26.81 Bn | 1.63 Bn | 2.01 Bn | 4.06 Mn |
| 7 | Guidewire Software | 13.13 Bn | 9.70 Bn | 269.68 Mn | 45.30 Mn |
| 8 | Chime Financial | 12.34 Bn | 8.03 Bn | 646.07 Mn | 43.97 Mn |
| 9 | Jack Henry & Associates | 12.26 Bn | 12.16 Bn | 273.85 Mn | 139.74 Mn |
| 10 | X Financial | 225.75 Mn | -305.02 Mn | - | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 32.42 Mn |
| Mar 31, 2026 | 19.84 Mn |
| Dec 31, 2025 | 4.47 Mn |
| Sep 30, 2025 | 69.78 Mn |
| Jun 30, 2025 | 92.97 Mn |
| Mar 31, 2025 | 76.61 Mn |
| Dec 31, 2024 | 74.10 Mn |
| Sep 30, 2024 | 72.60 Mn |
| Jun 30, 2024 | 62.02 Mn |
| Mar 31, 2024 | 53.73 Mn |
| Dec 31, 2023 | 36.34 Mn |
| Sep 30, 2023 | 100.84 Mn |
| Jun 30, 2023 | 99.20 Mn |
| Mar 31, 2023 | 81.26 Mn |
| Dec 31, 2022 | 75.77 Mn |
| Sep 30, 2022 | 77.60 Mn |
| Jun 30, 2022 | 63.99 Mn |
| Mar 31, 2022 | 86.03 Mn |
| Dec 31, 2021 | 83.27 Mn |
| Sep 30, 2021 | 90.46 Mn |
API Access
X Financial EBT 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=ebt&ticker=XYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebt", "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=ebt&ticker=XYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();