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| Date | Value |
|---|---|
| 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 |