X Financial (XYF) Gross Profit (2017 - 2025)

X Financial (XYF) posted quarterly Gross Profit of $137.6 million for Q4 2025, down 20.88% year-over-year from $174.0 million in Q4 2024, and down 31.28% quarter-over-quarter from $200.3 million in Q3 2025.

X Financial (XYF) Gross Profit (2017 - 2025) Analysis & Trends

X Financial's Gross Profit history runs 9 years deep, the most recent figure standing at $137.6 million for Q4 2025.

  • In Q4 2025, Gross Profit fell 20.88% year-over-year to $137.6 million; the TTM figure through Dec 2025 stood at $782.5 million (up 36.26% YoY), while the FY2025 annual figure was $781.9 million, up 35.91% from the prior year.
  • Gross Profit for Q4 2025 stood at $137.6 million, down from $200.3 million in the prior quarter.
  • The five-year high for Gross Profit was $243.2 million in Q2 2025, with the low at $44.2 million in Q2 2022.
  • The 5-year median for Gross Profit is $84.3 million (2023), against an average of $109.9 million.
  • The sharpest annual moves came in 2021 and 2022: Gross Profit jumped 35303.21% in 2021, then tumbled 30.64% in 2022.
  • X Financial's Gross Profit stood at $68.7 million in 2021, then declined by 22.53% to $53.2 million in 2022, then gained by 15.82% to $61.6 million in 2023, then soared by 182.34% to $174.0 million in 2024, then retreated by 20.88% to $137.6 million in 2025.
  • Business Quant data shows XYF's Gross Profit at $137.6 million in Q4 2025, $200.3 million in Q3 2025, and $243.2 million in Q2 2025.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr)
1 Visa 618.21 Bn 605.85 Bn -
2 Mastercard 506.53 Bn 493.04 Bn -
3 American Express 232.32 Bn 183.00 Bn 17.99 Bn
4 Capital One Financial 136.19 Bn 81.48 Bn -
5 PayPal Holdings 52.34 Bn 41.08 Bn -
6 Eason Technology 35.89 Bn 35.89 Bn -
7 Synchrony Financial 26.09 Bn 9.90 Bn -
8 Affirm Holdings 25.93 Bn 24.20 Bn -
9 SoFi Technologies 23.04 Bn 22.68 Bn -41.62 Mn
10 X Financial 1.29 Bn 989.81 Mn 137.63 Mn

Historic Data

Download Data
DateValue
Dec 31, 2025 137.63 Mn
Dec 31, 2025 137.63 Mn
Sep 30, 2025 200.28 Mn
Sep 30, 2025 200.28 Mn
Jun 30, 2025 243.21 Mn
Jun 30, 2025 243.21 Mn
Mar 31, 2025 201.37 Mn
Mar 31, 2025 201.37 Mn
Dec 31, 2024 173.95 Mn
Dec 31, 2024 173.95 Mn
Sep 30, 2024 160.30 Mn
Sep 30, 2024 160.30 Mn
Jun 30, 2024 131.76 Mn
Jun 30, 2024 131.76 Mn
Mar 31, 2024 108.23 Mn
Mar 31, 2024 108.23 Mn
Dec 31, 2023 61.61 Mn
Dec 31, 2023 61.61 Mn
Sep 30, 2023 137.41 Mn
Sep 30, 2023 137.41 Mn