X Financial (XYF) EBT (2017 - 2026)
X Financial (XYF) posted EBT of $32.4 million for Q2 2026, up 63.43% on a QoQ basis from $19.8 million in Q1 2026, and down 65.13% year-over-year from $93.0 million in Q2 2025.
Analysis
X Financial (XYF) EBT (2017 - 2026) Analysis & Trends
X Financial has reported EBT for 10 years, with the latest figure at $32.4 million in Q2 2026.
- On a quarterly basis, EBT fell 65.13% year-over-year to $32.4 million in Q2 2026; TTM through Jun 2026 was $126.5 million, a 60.0% decrease from a year earlier, with the FY2025 full-year figure at $250.2 million, down 3.57% from the prior year.
- EBT was $32.4 million for Q2 2026 at X Financial, up from $19.8 million in the prior quarter.
- The five-year high for EBT was $93.0 million in Q2 2025, with the low at $4.5 million in Q4 2025.
- Average EBT over 5 years is $51.5 million, with a median of $51.7 million recorded in 2022.
- The sharpest annual moves came in 2023 and 2025: EBT jumped 110.28% in 2023, then plunged 93.97% in 2025.
- Over 5 years, EBT stood at $39.8 million in 2022, then fell by 8.63% to $36.3 million in 2023, then soared by 103.88% to $74.1 million in 2024, then slumped by 93.97% to $4.5 million in 2025, then soared by 625.6% to $32.4 million in 2026.
- The last three EBT figures came in at $32.4 million (Q2 2026), $19.8 million (Q1 2026), and $4.5 million (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT (Qtr) |
|---|---|---|---|---|---|
| 1 | Upstart Holdings | 2.43 Bn | 1.99 Bn | 303.39 Mn | 17.15 Mn |
| 2 | Pagaya Technologies | 1.70 Bn | 1.51 Bn | 168.33 Mn | 41.25 Mn |
| 3 | Qfin Holdings | 986.27 Mn | -9.51 Mn | - | 161.02 Mn |
| 4 | FinVolution | 836.54 Mn | -90.46 Mn | - | 80.05 Mn |
| 5 | X Financial | 386.17 Mn | -182.14 Mn | 84.09 Mn | 32.42 Mn |
| 6 | Open Lending | 371.20 Mn | 186.25 Mn | 15.64 Mn | -470,000.00 |
| 7 | Blend Labs | 279.09 Mn | 234.22 Mn | 24.89 Mn | -1.36 Mn |
| 8 | LexinFintech Holdings | 251.25 Mn | 251.25 Mn | 73.06 Mn | 22.81 Mn |
| 9 | Jiayin | 76.25 Mn | 2.23 Mn | - | -32.25 Mn |
| 10 | Antalpha Platform Holding | 76.02 Mn | -813.69 Mn | 11.94 Mn | -29.60 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 | 58.58 Mn |
| Jun 30, 2023 | 62.35 Mn |
| Mar 31, 2023 | 47.62 Mn |
| Dec 31, 2022 | 39.78 Mn |
| Sep 30, 2022 | 44.02 Mn |
| Jun 30, 2022 | 29.65 Mn |
| Mar 31, 2022 | 49.65 Mn |
| Dec 31, 2021 | 49.48 Mn |
| Sep 30, 2021 | 64.45 Mn |