X Financial (XYF) Tax Rate (2017 - 2025)
X Financial (XYF) posted quarterly Tax Rate of 50.72% for Q4 2025, up 7860.0% year-over-year from 0.64% in Q4 2024, and up 414.26% on a QoQ basis from 16.14% in Q3 2025.
X Financial (XYF) Tax Rate (2017 - 2025) Analysis & Trends
X Financial (XYF) has reported Tax Rate for 9 consecutive years, with 50.72% the latest figure, recorded in Q4 2025.
- In Q4 2025, Tax Rate rose 7860.0% year-over-year to 50.72%; the TTM figure through Dec 2025 stood at 16.62% (up 483.0% YoY), while the FY2025 annual figure was 31.41%, up 999.0% from the prior year.
- Tax Rate came in at 50.72% for Q4 2025 at X Financial, up from 16.14% in the prior quarter.
- The five-year high for Tax Rate was 50.72% in Q4 2025, with the low at 57.45% in Q1 2022.
- Average Tax Rate over 5 years is 19.89%, with a median of 19.47% recorded in 2023.
- Across the five-year window, Tax Rate sank 7519 bps in 2021 and jumped 7860 bps in 2025, its largest moves.
- Year by year, Tax Rate stood at 48.9% in 2021, then soared by 44 bps to 27.33% in 2022, then surged by 49 bps to 13.82% in 2023, then slumped by 102 bps to 27.88% in 2024, then soared by 282 bps to 50.72% in 2025.
- According to Business Quant data, Tax Rate over the past three periods registered 50.72%, 16.14%, and 16.64% for Q4 2025, Q3 2025, and Q2 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Tax Rate (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 16.07% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 19.33% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 21.36% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 20.10% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 4.19% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 16.45% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 20.25% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 22.29% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | -17.46% |
| 10 | X Financial | 1.19 Bn | 1.05 Bn | 137.63 Mn | 50.72% |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 50.72% |
| Dec 31, 2025 | 50.72% |
| Sep 30, 2025 | -16.14% |
| Sep 30, 2025 | -16.14% |
| Jun 30, 2025 | -16.64% |
| Jun 30, 2025 | -16.64% |
| Mar 31, 2025 | -20.96% |
| Mar 31, 2025 | -20.96% |
| Dec 31, 2024 | -27.88% |
| Dec 31, 2024 | -27.88% |
| Sep 30, 2024 | -19.69% |
| Sep 30, 2024 | -19.69% |
| Jun 30, 2024 | -19.87% |
| Jun 30, 2024 | -19.87% |
| Mar 31, 2024 | -16.76% |
| Mar 31, 2024 | -16.76% |
| Dec 31, 2023 | -13.82% |
| Dec 31, 2023 | -13.82% |
| Sep 30, 2023 | -17.19% |
| Sep 30, 2023 | -17.19% |