X Financial (XYF) Retained Earnings (2017 - 2026)
X Financial's Retained Earnings was $810.07 million in Q2 2026, up 14.1% from $709.66 million a year earlier and up 2.6% from the prior quarter.
Powered by 
Analysis
X Financial (XYF) Retained Earnings (2017 - 2026) Analysis & Trends
At the end of FY2025, Retained Earnings at X Financial came in at $784.24 million, up 37.1% from FY2024.
- Retained Earnings has now increased for four consecutive years.
- In earlier years, Retained Earnings was $571.91 million in FY2024 (+50.8%), $379.16 million in FY2023 (+61.1%), $235.29 million in FY2022 (+84.9%) and $127.24 million in FY2021.
- The Q2 2026 figure marks the highest quarterly Retained Earnings in data going back to Q4 2017.
- Compared with a year earlier, Retained Earnings has increased for 14 straight quarters, with growth averaging 120.0% over the last eight quarters.
- The best year-over-year quarter for Retained Earnings over five years was Q4 2024 (growth of 692.4%); the worst was Q4 2022 (a decline of 45.2%).
- Per Business Quant data, XYF's Retained Earnings in the three quarters before Q2 2026 was $789.84 million (Q1 2026), $773.24 million (Q4 2025) and $773.51 million (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Retained Earnings (Qtr) |
|---|---|---|---|---|---|
| 1 | PayPal Holdings | 50.64 Bn | 8.86 Bn | - | 34.43 Bn |
| 2 | Block | 47.20 Bn | 18.49 Bn | 3.17 Bn | 3.45 Bn |
| 3 | Coinbase Global | 47.02 Bn | 3.82 Bn | - | 5.47 Bn |
| 4 | Corpay | 26.80 Bn | 16.69 Bn | - | 10.86 Bn |
| 5 | Fiserv | 25.84 Bn | 22.51 Bn | 2.90 Bn | 28.25 Bn |
| 6 | Global Payments | 22.70 Bn | 492.24 Mn | 2.03 Bn | 4.01 Bn |
| 7 | Guidewire Software | 15.59 Bn | 12.16 Bn | 269.68 Mn | -1.02 Bn |
| 8 | Bitmine Immersion Technologies | 13.32 Bn | 10.70 Bn | 40.81 Mn | -8.77 Bn |
| 9 | Chime Financial | 11.68 Bn | 7.47 Bn | 594.87 Mn | -3.29 Bn |
| 10 | X Financial | 198.03 Mn | -1.29 Bn | 84.09 Mn | 810.07 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 810.07 Mn |
| Mar 31, 2026 | 789.84 Mn |
| Dec 31, 2025 | 783.91 Mn |
| Sep 30, 2025 | 773.51 Mn |
| Jun 30, 2025 | 709.66 Mn |
| Mar 31, 2025 | 638.40 Mn |
| Dec 31, 2024 | 572.00 Mn |
| Sep 30, 2024 | 539.91 Mn |
| Jun 30, 2024 | 477.48 Mn |
| Mar 31, 2024 | 423.13 Mn |
| Dec 31, 2023 | 378.78 Mn |
| Sep 30, 2023 | 351.15 Mn |
| Jun 30, 2023 | 305.43 Mn |
| Mar 31, 2023 | 277.71 Mn |
| Dec 31, 2022 | 233.06 Mn |
| Sep 30, 2022 | 189.53 Mn |
| Jun 30, 2022 | 169.67 Mn |
| Mar 31, 2022 | 149.98 Mn |
| Dec 31, 2021 | 127.25 Mn |
| Sep 30, 2021 | 105.75 Mn |
API Access
X Financial Retained Earnings API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=retained-earnings&ticker=XYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "retained-earnings", "ticker": "XYF", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=retained-earnings&ticker=XYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();