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
DateValue
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