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
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 -17.62%
Sep 30, 2023 -17.62%