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
DateValue
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%