X Financial (XYF) Interest & Investment Income (2018 - 2025)

X Financial (XYF) recorded quarterly Interest & Investment Income of $1.5 million in Q4 2025, up 72.15% quarter-over-quarter from $873000.0 in Q3 2025, and up 148.85% on a YoY basis from $603917.8 in Q4 2024.

X Financial (XYF) Interest & Investment Income (2018 - 2025) Analysis & Trends

X Financial's Interest & Investment Income history runs 8 years deep, the most recent figure standing at $1.5 million for Q4 2025.

  • In Q4 2025, Interest & Investment Income rose 148.85% year-over-year to $1.5 million; the TTM figure through Dec 2025 stood at $1.5 million (up 148.85% YoY), while the FY2025 annual figure was $1.5 million, up 156.57% from the prior year.
  • Interest & Investment Income was $1.5 million for Q4 2025 at X Financial, up from $873000.0 in the prior quarter.
  • In the past five years, Interest & Investment Income ranged from a high of $2.5 million in Q3 2021 to a low of -$2.8 million in Q4 2023.
  • Historically, Interest & Investment Income has averaged -$33593.5 across 5 years, with a median of $259000.0 in 2021.
  • The sharpest annual moves came in 2023 and 2025: Interest & Investment Income slumped 616.31% in 2023, then soared 225.07% in 2025.
  • A 5-year view of Interest & Investment Income shows it stood at $2.5 million in 2021, then plunged by 80.98% to $472000.0 in 2022, then sank by 699.25% to -$2.8 million in 2023, then soared by 121.35% to $603917.8 in 2024, then jumped by 148.85% to $1.5 million in 2025.
  • The last three Interest & Investment Income figures came in at $1.5 million (Q4 2025), $873000.0 (Q3 2025), and $556000.0 (Q2 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Int & Inv Inc (Qtr)
1 Visa 541.66 Bn 529.25 Bn - -
2 Mastercard 437.55 Bn 427.34 Bn - 81.00 Mn
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 68.81 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 1.50 Mn

Historic Data

Download Data
DateValue
Dec 31, 2025 1.50 Mn
Sep 30, 2025 873,000.00
Jun 30, 2025 556,000.00
Mar 31, 2025 -375,000.00
Dec 31, 2024 603,917.79
Sep 30, 2024 -698,000.00
Jun 30, 2024 -841,000.00
Mar 31, 2024 -594,000.00
Dec 31, 2023 -2.83 Mn
Sep 30, 2023 -2.44 Mn
Jun 30, 2023 -1.44 Mn
Mar 31, 2023 -291,000.00
Sep 30, 2022 472,000.00
Jun 30, 2022 406,000.00
Mar 31, 2022 162,000.00
Sep 30, 2021 2.48 Mn
Jun 30, 2021 1.49 Mn
Mar 31, 2021 356,000.00
Sep 30, 2020 2.36 Mn
Jun 30, 2020 1.45 Mn