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% on a QoQ basis from $59.2 million in Q3 2025.
X Financial (XYF) Profit After Tax (2017 - 2025) Analysis & Trends
X Financial (XYF) has reported Profit After Tax for 9 consecutive years, with $8.2 million the latest figure, recorded in 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 came in at $8.2 million for Q4 2025 at X Financial, 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.
- Average Profit After Tax over 5 years is $41.7 million, with a median of $42.4 million recorded in 2021.
- Across the five-year window, Profit After Tax jumped 160.92% in 2021 and tumbled 84.53% in 2025, its largest moves.
- Year by year, Profit After Tax stood at $22.8 million in 2021, then surged by 74.36% to $39.8 million in 2022, then plunged by 33.15% to $26.6 million in 2023, then jumped by 98.48% to $52.8 million in 2024, then sank by 84.53% to $8.2 million in 2025.
- According to Business Quant data, Profit After Tax over the past three periods registered $8.2 million, $59.2 million, and $73.7 million for Q4 2025, Q3 2025, and Q2 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | PAT (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 6.02 Bn |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 3.88 Bn |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 2.97 Bn |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 1.11 Bn |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 102.90 Mn |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 166.73 Mn |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 319.00 Mn |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 122.00 Mn |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 59.42 Mn |
| 10 | X Financial | 1.19 Bn | 1.05 Bn | 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 |