X Financial (XYF) Net Income (2017 - 2026)
X Financial (XYF) recorded Net Income of $6.9 million in Q2 2026, down 90.6% from $73.71 million a year earlier but up 25.9% from the prior quarter.
Powered by 
Analysis
X Financial (XYF) Net Income (2017 - 2026) Analysis & Trends
On a TTM basis, X Financial's Net Income came in at $79.41 million as of Jun 30, 2026, down 67.4% year-over-year; for FY2025, it came in at $201.39 million, down 6.7% from FY2024.
- Across earlier years, Net Income came in at $215.92 million in FY2024 (+29.2%), $167.16 million in FY2023 (+42.0%), $117.73 million in FY2022 (-9.1%) and $129.52 million in FY2021.
- Quarterly Net Income has ranged from $5.48 million in Q1 2026 to $73.71 million in Q2 2025 over the past five years.
- On a year-over-year basis, Net Income has declined for three consecutive quarters, with an average decline of 11.5% over the last eight quarters.
- Peak year-over-year performance for Net Income in the last five years was growth of 98.5% in Q4 2024, against a decline of 91.3% in Q1 2026 at the low end.
- Per Business Quant, the preceding three quarters came in at $5.48 million (Q1 2026), $8.17 million (Q4 2025) and $58.85 million (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Income (Qtr) |
|---|---|---|---|---|---|
| 1 | PayPal Holdings | 50.23 Bn | 8.45 Bn | - | 1.10 Bn |
| 2 | Block | 46.85 Bn | 18.15 Bn | 3.17 Bn | 88.52 Mn |
| 3 | Coinbase Global | 46.71 Bn | 3.52 Bn | - | -359.47 Mn |
| 4 | Corpay | 26.70 Bn | 16.59 Bn | - | 251.79 Mn |
| 5 | Fiserv | 25.72 Bn | 22.40 Bn | 2.90 Bn | 630.00 Mn |
| 6 | Global Payments | 22.62 Bn | 412.61 Mn | 2.03 Bn | 28.92 Mn |
| 7 | Guidewire Software | 15.37 Bn | 11.94 Bn | 269.68 Mn | 31.40 Mn |
| 8 | Bitmine Immersion Technologies | 13.22 Bn | 10.60 Bn | 40.81 Mn | -83.60 Mn |
| 9 | Chime Financial | 11.55 Bn | 7.34 Bn | 594.87 Mn | 27.85 Mn |
| 10 | X Financial | 195.59 Mn | -1.29 Bn | 84.09 Mn | 5.17 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 5.17 Mn |
| Mar 31, 2026 | 3.64 Mn |
| Dec 31, 2025 | 7.40 Mn |
| Sep 30, 2025 | 57.72 Mn |
| Jun 30, 2025 | 73.32 Mn |
| Mar 31, 2025 | 63.00 Mn |
| Dec 31, 2024 | 54.68 Mn |
| Sep 30, 2024 | 51.90 Mn |
| Jun 30, 2024 | 58.01 Mn |
| Mar 31, 2024 | 50.78 Mn |
| Dec 31, 2023 | 25.52 Mn |
| Sep 30, 2023 | 46.72 Mn |
| Jun 30, 2023 | 54.27 Mn |
| Mar 31, 2023 | 40.35 Mn |
| Dec 31, 2022 | 37.95 Mn |
| Sep 30, 2022 | 36.41 Mn |
| Jun 30, 2022 | 33.57 Mn |
| Mar 31, 2022 | 21.62 Mn |
| Dec 31, 2021 | 22.84 Mn |
| Sep 30, 2021 | 43.44 Mn |
API Access
X Financial Net Income API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=net-income&ticker=XYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-income", "ticker": "XYF", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=net-income&ticker=XYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();