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
Download Data
Historic Data
| Date | Value |
|---|---|
| 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 |