X Financial XYF
NYSE XYF
$4.94 +0.06 (+1.23%)
At close: Sep 18, 2026 · 4:00 PM EDT

X Financial (XYF) Net Income (2017 - 2026)

X Financial (XYF) posted Net Income of $40.3 million for Q2 2026, up 33.59% on a QoQ basis from $30.2 million in Q1 2026, and down 62.82% year-over-year from $108.4 million in Q2 2025.

Analysis

X Financial (XYF) Net Income (2017 - 2026) Analysis & Trends

X Financial has reported Net Income for 10 years, with the latest figure at $40.3 million in Q2 2026.

  • On a quarterly basis, Net Income fell 62.82% year-over-year to $40.3 million in Q2 2026; TTM through Jun 2026 was $153.3 million, a 59.95% decrease from a year earlier, with the FY2025 full-year figure at $197.1 million, down 38.41% from the prior year.
  • Net Income was $40.3 million for Q2 2026 at X Financial, up from $30.2 million in the prior quarter.
  • The five-year high for Net Income was $108.4 million in Q2 2025, with the low at $2.2 million in Q4 2025.
  • Average Net Income over 5 years is $63.1 million, with a median of $65.7 million recorded in 2023.
  • The sharpest annual moves came in 2024 and 2025: Net Income soared 129.07% in 2024, then plunged 97.68% in 2025.
  • Over 5 years, Net Income stood at $50.6 million in 2022, then decreased by 18.33% to $41.4 million in 2023, then soared by 129.07% to $94.8 million in 2024, then slumped by 97.68% to $2.2 million in 2025, then jumped by 1730.9% to $40.3 million in 2026.
  • The last three Net Income figures came in at $40.3 million (Q2 2026), $30.2 million (Q1 2026), and $2.2 million (Q4 2025), per Business Quant data.
Peer Set

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Net Income (Qtr)
1 Upstart Holdings 2.43 Bn 1.99 Bn 303.39 Mn 16.54 Mn
2 Pagaya Technologies 1.70 Bn 1.51 Bn 168.33 Mn 42.33 Mn
3 Qfin Holdings 986.27 Mn -9.51 Mn - 261.95 Mn
4 FinVolution 836.54 Mn -90.46 Mn - 96.85 Mn
5 X Financial 386.17 Mn -182.14 Mn 84.09 Mn 40.32 Mn
6 Open Lending 371.20 Mn 186.25 Mn 15.64 Mn -460,000.00
7 Blend Labs 279.09 Mn 234.22 Mn 24.89 Mn -1.15 Mn
8 LexinFintech Holdings 251.25 Mn 251.25 Mn 73.06 Mn 30.58 Mn
9 Jiayin 76.25 Mn 2.23 Mn - -27.05 Mn
10 Antalpha Platform Holding 76.02 Mn -813.69 Mn 11.94 Mn -29.65 Mn
Historic Data

Historic Data

Download Data
DateValue
Jun 30, 2026 40.32 Mn
Mar 31, 2026 30.18 Mn
Dec 31, 2025 2.20 Mn
Sep 30, 2025 80.61 Mn
Jun 30, 2025 108.43 Mn
Mar 31, 2025 92.67 Mn
Dec 31, 2024 94.75 Mn
Sep 30, 2024 86.90 Mn
Jun 30, 2024 74.34 Mn
Mar 31, 2024 62.73 Mn
Dec 31, 2023 41.36 Mn
Sep 30, 2023 68.75 Mn
Jun 30, 2023 74.77 Mn
Mar 31, 2023 55.30 Mn
Dec 31, 2022 50.65 Mn
Sep 30, 2022 57.34 Mn
Jun 30, 2022 36.06 Mn
Mar 31, 2022 78.17 Mn
Dec 31, 2021 73.67 Mn
Sep 30, 2021 82.92 Mn