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| 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 |