X Financial (XYF) Operating Income (2017 - 2026)
X Financial's Operating Income came in at $28.73 million for Q2 2026, down 69.5% from $94.24 million a year earlier but up 40.9% from the prior quarter.
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Analysis
X Financial (XYF) Operating Income (2017 - 2026) Analysis & Trends
Over the trailing twelve months to Jun 30, 2026, X Financial reported Operating Income of $102.85 million, down 67.6% year-over-year; for FY2025, it was $233.1 million, down 9.2% from FY2024.
- Going back by year, Operating Income was $256.71 million in FY2024 (+26.8%), $202.49 million in FY2023 (+29.0%), $156.92 million in FY2022 (-23.7%) and $205.73 million in FY2021.
- The five-year range for quarterly Operating Income is $2.89 million (Q4 2025) to $94.24 million (Q2 2025).
- Year-over-year, Operating Income has declined for four consecutive quarters, with an average decline of 6.0% over the last eight quarters.
- The fastest year-over-year change in Operating Income over five years came in Q3 2021 (growth of 326.5%), and the weakest in Q4 2025 (a decline of 96.0%).
- Business Quant data shows XYF's Operating Income at $20.39 million (Q1 2026), $2.89 million (Q4 2025) and $50.84 million (Q3 2025) in the three quarters before Q2 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Op. Inc (Qtr) |
|---|---|---|---|---|---|
| 1 | PayPal Holdings | 50.23 Bn | 8.45 Bn | - | 1.43 Bn |
| 2 | Block | 46.85 Bn | 18.15 Bn | 3.17 Bn | 446.87 Mn |
| 3 | Coinbase Global | 46.71 Bn | 3.52 Bn | - | -113.49 Mn |
| 4 | Corpay | 26.70 Bn | 16.59 Bn | - | 472.27 Mn |
| 5 | Fiserv | 25.72 Bn | 22.40 Bn | 2.90 Bn | 1.02 Bn |
| 6 | Global Payments | 22.62 Bn | 412.61 Mn | 2.03 Bn | 337.12 Mn |
| 7 | Guidewire Software | 15.37 Bn | 11.94 Bn | 269.68 Mn | 62.32 Mn |
| 8 | Bitmine Immersion Technologies | 13.22 Bn | 10.60 Bn | 40.81 Mn | -11.87 Mn |
| 9 | Chime Financial | 11.55 Bn | 7.34 Bn | 594.87 Mn | 21.32 Mn |
| 10 | X Financial | 195.59 Mn | -1.29 Bn | 84.09 Mn | 28.73 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 28.73 Mn |
| Mar 31, 2026 | 20.39 Mn |
| Dec 31, 2025 | 2.89 Mn |
| Sep 30, 2025 | 50.84 Mn |
| Jun 30, 2025 | 94.24 Mn |
| Mar 31, 2025 | 78.95 Mn |
| Dec 31, 2024 | 71.95 Mn |
| Sep 30, 2024 | 72.53 Mn |
| Jun 30, 2024 | 63.72 Mn |
| Mar 31, 2024 | 52.15 Mn |
| Dec 31, 2023 | 35.80 Mn |
| Sep 30, 2023 | 59.59 Mn |
| Jun 30, 2023 | 61.33 Mn |
| Mar 31, 2023 | 44.27 Mn |
| Dec 31, 2022 | 39.72 Mn |
| Sep 30, 2022 | 42.23 Mn |
| Jun 30, 2022 | 28.94 Mn |
| Mar 31, 2022 | 49.55 Mn |
| Dec 31, 2021 | 48.89 Mn |
| Sep 30, 2021 | 63.72 Mn |
API Access
X Financial Operating 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=operating-income&ticker=XYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "operating-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=operating-income&ticker=XYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();