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% on a QoQ basis from $200.3 million in Q3 2025.
X Financial (XYF) Gross Profit (2017 - 2025) Analysis & Trends
X Financial (XYF) has reported Gross Profit for 9 consecutive years, with $137.6 million the latest figure, recorded in 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 came in at $137.6 million for Q4 2025 at X Financial, 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.
- Average Gross Profit over 5 years is $112.3 million, with a median of $100.4 million recorded in 2023.
- Across the five-year window, Gross Profit jumped 35919.91% in 2021 and plunged 30.69% in 2022, its largest moves.
- Year by year, Gross Profit stood at $68.7 million in 2021, then slipped by 22.53% to $53.2 million in 2022, then increased by 15.82% to $61.6 million in 2023, then jumped by 182.34% to $174.0 million in 2024, then declined by 20.88% to $137.6 million in 2025.
- According to Business Quant data, Gross Profit over the past three periods registered $137.6 million, $200.3 million, and $243.2 million for Q4 2025, Q3 2025, and Q2 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) |
|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn |
| 10 | X Financial | 1.19 Bn | 1.05 Bn | 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 |