X Financial XYF
NYSE XYF
$4.94 +0.06 (+1.23%)
At close: Sep 18, 2026 · 4:00 PM EDT

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

Historic Data

Download Data
DateValue
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