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
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