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NYSE: XYF
X Financial Earnings Dates, Reports, Calls

OverviewEarnings
RevenueDividendOwnership
X Financial earnings were $212.3M for the trailing 12 months ending Dec 31, 2025, with 16.7% growth year over year. The latest XYF earnings report on Dec 31, 2025 announced Q4 2025 earnings of $8.1M, down 86.3% from last quarter. For the last reported fiscal year 2025 ending Dec 31, 2025, XYF reported annual earnings of $208.0M, with -1.4% growth.

XYF past earnings growth

How has XYF's earnings growth performed historically?

Company
16.73%
Industry
7.88%
Market
87.01%
XYF's earnings have grown faster... subscribe to Premium to read more.
Earnings Growth vs Industry Performance
XYF's earnings have grown slower... subscribe to Premium to read more.
Earnings Growth vs Market Performance
XYF's earnings growth is accelerating... subscribe to Premium to read more.
Accelerating Earnings Growth Performance

XYF earnings history

Current Revenue
$1.1B
Current Earnings
$208.0M
Current Profit Margin
19.2%

XYF Return on Equity

Current Company
18.9%
Current Industry
82.9%
Current Market
28.9%
XYF's Return on Equity (18.9%)... subscribe to Premium to read more.
High Return on Equity Performance

XYF Return on Assets

Current Company
10.6%
Current Industry
16.9%
XYF is generating lower Return... subscribe to Premium to read more.
Above Average Return on Assets Performance

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XYF Return on Capital Employed

Current Company
0%
Current Industry
32%

XYF vs Credit Service Stocks

TickerEBITDAEarningsY/Y EarningsEPS
XYFN/A$212.25M+21.42%$5.22
LPRO$7.52M-$4.24MN/A-$0.04
FOA$87.35M$45.04M+63.82%$4.72
YRDN/A$5.88M-56.89%$0.07
ANTAN/A$18.49M+265.22%$0.84
View Top Credit Service Stocks

X Financial Earnings Reports & History FAQ

What were X Financial's earnings last quarter?

X Financial (NYSE: XYF) reported Q4 2025 earnings per share (EPS) of $0.21, up 81.79% year over year. Total XYF earnings for the quarter were $8.12 million. In the same quarter last year, X Financial's earnings per share (EPS) was $1.13.

If you're new to stock investing, here's how to buy X Financial stock.

Is X Financial profitable or losing money?

As of the last X Financial earnings report, X Financial is currently profitable. X Financial's net profit (also called net income) for the twelve months ending Dec 31, 2025 was $208.03 million, a 1.38% decrease year over year.

What was XYF's earnings growth in the past year?

As of X Financial's earnings date in Q1 2026, X Financial's earnings has grown 16.73% year over year. This is 8.86 percentage points higher than the US Credit Services industry earnings growth rate of 7.88%. XYF earnings in the past year totalled $212.25 million.
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