X Financial (XYF) Profit After Tax (2017 - 2025)
X Financial (XYF) recorded quarterly Profit After Tax of $8.2 million in Q4 2025, down 86.19% quarter-over-quarter from $59.2 million in Q3 2025, and down 84.53% on a YoY basis from $52.8 million in Q4 2024.
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 was $8.2 million for Q4 2025 at X Financial, down from $59.2 million in the prior quarter.
- In the past five years, Profit After Tax ranged from a high of $73.7 million in Q2 2025 to a low of $8.2 million in Q4 2025.
- Historically, Profit After Tax has averaged $41.7 million across 5 years, with a median of $42.4 million in 2021.
- The sharpest annual moves came in 2021 and 2025: Profit After Tax jumped 160.92% in 2021, then slumped 84.53% in 2025.
- A 5-year view of Profit After Tax shows it stood at $22.8 million in 2021, then surged by 74.36% to $39.8 million in 2022, then tumbled by 33.15% to $26.6 million in 2023, then jumped by 98.48% to $52.8 million in 2024, then plunged by 84.53% to $8.2 million in 2025.
- The last three Profit After Tax figures came in at $8.2 million (Q4 2025), $59.2 million (Q3 2025), and $73.7 million (Q2 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | PAT (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 6.02 Bn |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 3.88 Bn |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 2.97 Bn |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 2.17 Bn |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 1.11 Bn |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 805.00 Mn |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 102.90 Mn |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 166.73 Mn |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 319.00 Mn |
| 10 | X Financial | 162.02 Mn | 22.77 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 |