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% quarter-over-quarter from 16.14% in Q3 2025.

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 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 Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Tax Rate (Qtr)
1 Visa 618.21 Bn 605.85 Bn - 17.64%
2 Mastercard 506.53 Bn 493.04 Bn - 20.01%
3 American Express 232.32 Bn 183.00 Bn 17.99 Bn 23.61%
4 Capital One Financial 136.19 Bn 81.48 Bn - 20.90%
5 PayPal Holdings 52.34 Bn 41.08 Bn - 15.73%
6 Eason Technology 35.89 Bn 35.89 Bn - -
7 Synchrony Financial 26.09 Bn 9.90 Bn - 25.38%
8 Affirm Holdings 25.93 Bn 24.20 Bn - 4.17%
9 SoFi Technologies 23.04 Bn 22.68 Bn -41.62 Mn 16.45%
10 X Financial 1.29 Bn 989.81 Mn 137.63 Mn 50.72%

Historic Data

Download Data
DateValue
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%
Dec 31, 2024 -27.88%
Sep 30, 2024 -19.69%
Sep 30, 2024 -19.69%
Sep 30, 2024 -19.69%
Jun 30, 2024 -19.87%
Jun 30, 2024 -19.87%