X Financial (XYF) EV to EBIT (2018 - 2026)
X Financial (XYF) posted EV to EBIT of 6.63 for Q2 2026, down 51.45% on a QoQ basis from 4.38 in Q1 2026, and down 222.83% year-over-year from 5.4 in Q2 2025.
Analysis
X Financial (XYF) EV to EBIT (2018 - 2026) Analysis & Trends
X Financial has reported EV to EBIT for 9 years, with the latest figure at 6.63 in Q2 2026.
- On a quarterly basis, EV to EBIT fell 222.83% year-over-year to 6.63 in Q2 2026; TTM through Jun 2026 was 1.86, a 215.77% decrease from a year earlier, with the FY2025 full-year figure at 0.56, up 25.35% from the prior year.
- EV to EBIT was 6.63 for Q2 2026 at X Financial, down from 4.38 in the prior quarter.
- The five-year high for EV to EBIT was 42.72 in Q4 2025, with the low at 6.63 in Q2 2026.
- Average EV to EBIT over 5 years is 2.26, with a median of 0.76 recorded in 2022.
- The sharpest annual moves came in 2022 and 2025: EV to EBIT plunged 376.25% in 2022, then soared 2533.38% in 2025.
- Over 5 years, EV to EBIT stood at 0.07 in 2022, then jumped by 1585.34% to 1.11 in 2023, then surged by 46.66% to 1.62 in 2024, then jumped by 2533.38% to 42.72 in 2025, then plunged by 115.53% to 6.63 in 2026.
- The last three EV to EBIT figures came in at 6.63 (Q2 2026), 4.38 (Q1 2026), and 42.72 (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) |
|---|---|---|---|---|
| 1 | Upstart Holdings | 2.73 Bn | 2.28 Bn | 303.39 Mn |
| 2 | Pagaya Technologies | 1.92 Bn | 1.72 Bn | 168.33 Mn |
| 3 | Qfin Holdings | 1.10 Bn | 108.74 Mn | - |
| 4 | FinVolution | 856.70 Mn | -70.30 Mn | - |
| 5 | X Financial | 432.29 Mn | -136.02 Mn | 84.09 Mn |
| 6 | Open Lending | 371.20 Mn | 186.25 Mn | 15.64 Mn |
| 7 | Blend Labs | 361.86 Mn | 317.00 Mn | 24.89 Mn |
| 8 | LexinFintech Holdings | 294.80 Mn | 294.80 Mn | 73.06 Mn |
| 9 | Antalpha Platform Holding | 85.61 Mn | -804.10 Mn | 11.94 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | -6.63 |
| Mar 31, 2026 | -4.38 |
| Dec 31, 2025 | 42.72 |
| Sep 30, 2025 | 5.21 |
| Jun 30, 2025 | 5.40 |
| Mar 31, 2025 | 4.44 |
| Dec 31, 2024 | 1.62 |
| Sep 30, 2024 | 0.70 |
| Jun 30, 2024 | -1.81 |
| Mar 31, 2024 | -1.77 |
| Dec 31, 2023 | 1.11 |
| Sep 30, 2023 | -1.37 |
| Jun 30, 2023 | -0.99 |
| Mar 31, 2023 | -1.00 |
| Dec 31, 2022 | 0.07 |
| Sep 30, 2022 | -0.95 |
| Jun 30, 2022 | -0.56 |
| Mar 31, 2022 | -1.07 |
| Dec 31, 2021 | 0.20 |
| Sep 30, 2021 | 0.34 |