X Financial XYF
NYSE XYF
$4.94 +0.06 (+1.23%)
At close: Sep 18, 2026 · 4:00 PM EDT

X Financial (XYF) Retained Earnings (2017 - 2026)

X Financial (XYF) posted Retained Earnings of $480.4 million for Q2 2026, up 1.75% on a QoQ basis from $472.2 million in Q1 2026, and up 6.06% year-over-year from $453.0 million in Q2 2025.

Analysis

X Financial (XYF) Retained Earnings (2017 - 2026) Analysis & Trends

X Financial has reported Retained Earnings for 10 years, with the latest figure at $480.4 million in Q2 2026.

  • On a quarterly basis, Retained Earnings rose 6.06% year-over-year to $480.4 million in Q2 2026; TTM through Jun 2026 was $480.4 million, a 6.06% increase from a year earlier, with the FY2025 full-year figure at $784.2 million, up 37.13% from the prior year.
  • Retained Earnings was $480.4 million for Q2 2026 at X Financial, up from $472.2 million in the prior quarter.
  • The five-year high for Retained Earnings was $581.2 million in Q4 2024, with the low at $439.9 million in Q3 2023.
  • Average Retained Earnings over 5 years is $464.2 million, with a median of $454.1 million recorded in 2024.
  • The sharpest annual moves came in 2024 and 2025: Retained Earnings jumped 30.89% in 2024, then declined 21.0% in 2025.
  • Over 5 years, Retained Earnings stood at $448.7 million in 2022, then slipped by 1.04% to $444.0 million in 2023, then surged by 30.89% to $581.2 million in 2024, then dropped by 21.0% to $459.1 million in 2025, then gained by 4.64% to $480.4 million in 2026.
  • The last three Retained Earnings figures came in at $480.4 million (Q2 2026), $472.2 million (Q1 2026), and $459.1 million (Q4 2025), per Business Quant data.
Peer Set

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Retained Earnings (Qtr)
1 Upstart Holdings 2.43 Bn 1.99 Bn 303.39 Mn 1.15 Bn
2 Pagaya Technologies 1.70 Bn 1.51 Bn 168.33 Mn 1.41 Bn
3 Qfin Holdings 986.27 Mn -9.51 Mn - -
4 FinVolution 836.54 Mn -90.46 Mn - 882.35 Mn
5 X Financial 386.17 Mn -182.14 Mn 84.09 Mn 480.44 Mn
6 Open Lending 371.20 Mn 186.25 Mn 15.64 Mn 491.95 Mn
7 Blend Labs 279.09 Mn 234.22 Mn 24.89 Mn -1.40 Bn
8 LexinFintech Holdings 251.25 Mn 251.25 Mn 73.06 Mn 463.12 Mn
9 Jiayin 76.25 Mn 2.23 Mn - -
10 Antalpha Platform Holding 76.02 Mn -813.69 Mn 11.94 Mn -
Historic Data

Historic Data

Download Data
DateValue
Jun 30, 2026 480.44 Mn
Mar 31, 2026 472.20 Mn
Dec 31, 2025 459.12 Mn
Sep 30, 2025 457.55 Mn
Jun 30, 2025 452.98 Mn
Mar 31, 2025 444.55 Mn
Dec 31, 2024 581.16 Mn
Sep 30, 2024 455.27 Mn
Jun 30, 2024 441.26 Mn
Mar 31, 2024 443.31 Mn
Dec 31, 2023 444.01 Mn
Sep 30, 2023 439.91 Mn
Jun 30, 2023 442.79 Mn
Mar 31, 2023 466.08 Mn
Dec 31, 2022 448.69 Mn
Sep 30, 2022 450.02 Mn
Jun 30, 2022 476.09 Mn
Mar 31, 2022 500.61 Mn
Dec 31, 2021 494.18 Mn
Sep 30, 2021 484.53 Mn