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
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