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

X Financial (XYF) recorded quarterly Gross Profit of $137.6 million in Q4 2025, down 31.28% quarter-over-quarter from $200.3 million in Q3 2025, and down 20.88% on a YoY basis from $174.0 million in Q4 2024.

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 38.07% from the prior year.
  • Gross Profit was $137.6 million for Q4 2025 at X Financial, down from $200.3 million in the prior quarter.
  • In the past five years, Gross Profit ranged from a high of $243.2 million in Q2 2025 to a low of $43.5 million in Q2 2022.
  • Historically, Gross Profit has averaged $107.9 million across 5 years, with a median of $75.3 million in 2021.
  • The sharpest annual moves came in 2021 and 2022: Gross Profit jumped 35919.91% in 2021, then sank 31.77% in 2022.
  • A 5-year view of Gross Profit shows it stood at $68.7 million in 2021, then fell by 22.53% to $53.2 million in 2022, then advanced by 15.82% to $61.6 million in 2023, then jumped by 182.34% to $174.0 million in 2024, then decreased by 20.88% to $137.6 million in 2025.
  • The last three Gross Profit figures came in at $137.6 million (Q4 2025), $200.3 million (Q3 2025), and $243.2 million (Q2 2025), per Business Quant data.

Peer Comparison

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