X Financial (XYF) Profit After Tax (2017 - 2025)
X Financial (XYF) posted quarterly Profit After Tax of $8.2 million for Q4 2025, down 84.53% year-over-year from $52.8 million in Q4 2024, and down 86.19% quarter-over-quarter from $59.2 million in Q3 2025.
X Financial (XYF) Profit After Tax (2017 - 2025) Analysis & Trends
X Financial's Profit After Tax history runs 9 years deep, the most recent figure standing at $8.2 million for Q4 2025.
- In Q4 2025, Profit After Tax fell 84.53% year-over-year to $8.2 million; the TTM figure through Dec 2025 stood at $204.2 million (down 4.51% YoY), while the FY2025 annual figure was $209.4 million, down 0.73% from the prior year.
- Profit After Tax for Q4 2025 stood at $8.2 million, down from $59.2 million in the prior quarter.
- The five-year high for Profit After Tax was $73.7 million in Q2 2025, with the low at $8.2 million in Q4 2025.
- The 5-year median for Profit After Tax is $42.4 million (2021), against an average of $41.7 million.
- The sharpest annual moves came in 2021 and 2025: Profit After Tax soared 160.92% in 2021, then sank 84.53% in 2025.
- X Financial's Profit After Tax stood at $22.8 million in 2021, then jumped by 74.36% to $39.8 million in 2022, then slumped by 33.15% to $26.6 million in 2023, then soared by 98.48% to $52.8 million in 2024, then tumbled by 84.53% to $8.2 million in 2025.
- Business Quant data shows XYF's Profit After Tax at $8.2 million in Q4 2025, $59.2 million in Q3 2025, and $73.7 million in Q2 2025.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | PAT (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 5.63 Bn |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 4.39 Bn |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 3.11 Bn |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 3.02 Bn |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 1.10 Bn |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 885.00 Mn |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | 96.25 Mn |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | 153.01 Mn |
| 10 | X Financial | 1.29 Bn | 989.81 Mn | 137.63 Mn | 8.17 Mn |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 8.17 Mn |
| Sep 30, 2025 | 59.17 Mn |
| Jun 30, 2025 | 73.71 Mn |
| Mar 31, 2025 | 63.13 Mn |
| Dec 31, 2024 | 52.83 Mn |
| Sep 30, 2024 | 53.56 Mn |
| Jun 30, 2024 | 57.15 Mn |
| Mar 31, 2024 | 50.29 Mn |
| Dec 31, 2023 | 26.62 Mn |
| Sep 30, 2023 | 47.59 Mn |
| Jun 30, 2023 | 50.51 Mn |
| Mar 31, 2023 | 41.40 Mn |
| Dec 31, 2022 | 39.82 Mn |
| Sep 30, 2022 | 29.76 Mn |
| Jun 30, 2022 | 27.72 Mn |
| Mar 31, 2022 | 22.08 Mn |
| Dec 31, 2021 | 22.84 Mn |
| Sep 30, 2021 | 43.44 Mn |
| Jun 30, 2021 | 34.57 Mn |
| Mar 31, 2021 | 29.43 Mn |