X Financial (XYF) Exchange Rate Effect (2017 - 2025)

X Financial (XYF) recorded quarterly Exchange Rate Effect of -$1.3 million in Q4 2025, down 16.7% quarter-over-quarter from -$1.1 million in Q3 2025, and down 150.8% on a YoY basis from $2.6 million in Q4 2024.

X Financial (XYF) Exchange Rate Effect (2017 - 2025) Analysis & Trends

X Financial's Exchange Rate Effect history runs 9 years deep, the most recent figure standing at -$1.3 million for Q4 2025.

  • In Q4 2025, Exchange Rate Effect fell 150.8% year-over-year to -$1.3 million; the TTM figure through Dec 2025 stood at -$2.9 million (down 292.12% YoY), while the FY2025 annual figure was -$3.0 million, down 286.03% from the prior year.
  • Exchange Rate Effect was -$1.3 million for Q4 2025 at X Financial, down from -$1.1 million in the prior quarter.
  • In the past five years, Exchange Rate Effect ranged from a high of $5.3 million in Q2 2022 to a low of -$1.9 million in Q4 2022.
  • Historically, Exchange Rate Effect has averaged $259050.0 across 5 years, with a median of -$452000.0 in 2022.
  • The sharpest annual moves came in 2021 and 2022: Exchange Rate Effect plunged 765.19% in 2021, then surged 1622.7% in 2022.
  • A 5-year view of Exchange Rate Effect shows it stood at -$1.6 million in 2021, then decreased by 16.31% to -$1.9 million in 2022, then jumped by 38.06% to -$1.2 million in 2023, then soared by 327.14% to $2.6 million in 2024, then sank by 150.8% to -$1.3 million in 2025.
  • The last three Exchange Rate Effect figures came in at -$1.3 million (Q4 2025), -$1.1 million (Q3 2025), and -$418000.0 (Q2 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) FX Effect (Qtr)
1 Visa 541.66 Bn 529.25 Bn - -190.00 Mn
2 Mastercard 437.55 Bn 427.34 Bn - -116.00 Mn
3 American Express 212.80 Bn 158.76 Bn 17.43 Bn 57.00 Mn
4 Capital One Financial 112.47 Bn 35.97 Bn - -
5 PayPal Holdings 37.70 Bn 28.36 Bn 7.84 Bn -50.00 Mn
6 Synchrony Financial 24.26 Bn 3.70 Bn - -
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 Mn -3.58 Mn
8 SoFi Technologies 20.46 Bn 17.06 Bn 929.25 Mn -774,000.00
9 Ally Financial 13.30 Bn 12.86 Bn 1.98 Bn -3.00 Mn
10 X Financial 162.02 Mn 22.77 Mn 137.63 Mn -1.34 Mn

Historic Data

Download Data
DateValue
Dec 31, 2025 -1.34 Mn
Dec 31, 2025 -1.34 Mn
Sep 30, 2025 -1.14 Mn
Sep 30, 2025 -1.14 Mn
Jun 30, 2025 -418,000.00
Jun 30, 2025 -418,000.00
Mar 31, 2025 -27,000.00
Mar 31, 2025 -27,000.00
Dec 31, 2024 2.63 Mn
Dec 31, 2024 2.63 Mn
Sep 30, 2024 -1.82 Mn
Sep 30, 2024 -1.82 Mn
Jun 30, 2024 546,000.00
Jun 30, 2024 546,000.00
Mar 31, 2024 169,000.00
Mar 31, 2024 169,000.00
Dec 31, 2023 -1.16 Mn
Dec 31, 2023 -1.16 Mn
Sep 30, 2023 -864,000.00
Sep 30, 2023 -864,000.00