X Financial (XYF) Tax Rate (2017 - 2026)
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% quarter-over-quarter from 16.14% in Q3 2025.
Analysis
X Financial (XYF) Tax Rate (2017 - 2026) 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 641.0% from the prior year.
- Tax Rate for Q4 2025 stood at 50.72%, 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 114.38% in Q4 2022.
- The 5-year median for Tax Rate is 19.63% (2023), against an average of 25.75%.
- The sharpest annual moves came in 2021 and 2023: Tax Rate tumbled 10414 bps in 2021, then soared 10056 bps in 2023.
- X Financial's Tax Rate stood at 77.65% in 2021, then slumped by 47 bps to 114.38% in 2022, then jumped by 88 bps to 13.82% in 2023, then plunged by 102 bps to 27.88% in 2024, then surged by 282 bps to 50.72% in 2025.
- Business Quant data shows XYF's Tax Rate at 50.72% in Q4 2025, 16.14% in Q3 2025, and 16.64% in Q2 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Tax Rate (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 17.64% |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 20.01% |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 23.61% |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 20.90% |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | 15.73% |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | -856.07% |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 25.38% |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 23.36% |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 23.65% |
| 10 | X Financial | 433.08 Mn | 145.32 Mn | 84.09 Mn | -24.80% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | -24.80 |
| Jun 30, 2026 | -24.80 |
| Jun 30, 2026 | -24.80 |
| Mar 31, 2026 | -52.77 |
| Mar 31, 2026 | -52.77 |
| Mar 31, 2026 | -52.77 |
| Dec 31, 2025 | 50.72 |
| Dec 31, 2025 | 50.72 |
| Dec 31, 2025 | 50.72 |
| Sep 30, 2025 | -16.14 |
| Sep 30, 2025 | -16.14 |
| Sep 30, 2025 | -16.14 |
| Jun 30, 2025 | -16.64 |
| Jun 30, 2025 | -16.64 |
| Jun 30, 2025 | -16.64 |
| Mar 31, 2025 | -20.96 |
| Mar 31, 2025 | -20.96 |
| Mar 31, 2025 | -20.96 |
| Dec 31, 2024 | -27.88 |
| Dec 31, 2024 | -27.88 |