X Financial (XYF) Tax Rate (2017 - 2025)
X Financial (XYF) recorded quarterly Tax Rate of 50.72% in Q4 2025, up 414.26% quarter-over-quarter from 16.14% in Q3 2025, and up 7860.0% on a YoY basis from 0.64% in Q4 2024.
X Financial (XYF) Tax Rate (2017 - 2025) Analysis & Trends
X Financial's Tax Rate history runs 9 years deep, the most recent figure standing at 50.72% for 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 was 50.72% for Q4 2025 at X Financial, up from 16.14% in the prior quarter.
- In the past five years, Tax Rate ranged from a high of 50.72% in Q4 2025 to a low of 57.45% in Q1 2022.
- Historically, Tax Rate has averaged 20.01% across 5 years, with a median of 19.78% in 2024.
- The sharpest annual moves came in 2021 and 2025: Tax Rate plunged 7595 bps in 2021, then jumped 7860 bps in 2025.
- A 5-year view of Tax Rate shows it stood at 49.48% in 2021, then surged by 45 bps to 27.37% in 2022, then surged by 50 bps to 13.82% in 2023, then sank by 102 bps to 27.88% in 2024, then soared by 282 bps to 50.72% in 2025.
- The last three Tax Rate figures came in at 50.72% (Q4 2025), 16.14% (Q3 2025), and 16.64% (Q2 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Tax Rate (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 16.07% |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 19.33% |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 21.36% |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 19.19% |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 20.10% |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 23.11% |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 4.19% |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 16.45% |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 20.25% |
| 10 | X Financial | 162.02 Mn | 22.77 Mn | 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 | -17.62% |
| Sep 30, 2023 | -17.62% |