X Financial (XYF) Operating Income (2017 - 2025)

X Financial (XYF) has reported Operating Income for 9 consecutive years, with $2.9 million the latest figure, recorded in Q4 2025.

• In Q4 2025, Operating Income fell 95.99% year-over-year to $2.9 million; the TTM figure through Dec 2025 stood at $226.9 million (down 12.84% YoY), while the FY2025 annual figure was $233.1 million, down 9.2% from the prior year.
• Operating Income came in at $2.9 million for Q4 2025 at X Financial, down from $50.8 million in the prior quarter.
• The five-year high for Operating Income was $94.2 million in Q2 2025, with the low at $2.9 million in Q4 2025.
• Average Operating Income over 5 years is $52.6 million, with a median of $51.5 million recorded in 2024.
• Across the five-year window, Operating Income surged 326.54% in 2021 and tumbled 95.99% in 2025, its largest moves.
• Year by year, Operating Income stood at $48.9 million in 2021, then slipped by 18.76% to $39.7 million in 2022, then slipped by 9.86% to $35.8 million in 2023, then surged by 100.97% to $72.0 million in 2024, then sank by 95.99% to $2.9 million in 2025.
• According to Business Quant data, Operating Income over the past three periods registered $2.9 million, $50.8 million, and $94.2 million for Q4 2025, Q3 2025, and Q2 2025 respectively.