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NYSE: XYF
X Financial Earnings Dates, Reports, Calls

OverviewEarnings
RevenueDividendOwnership
X Financial earnings were $83.8M for the trailing 12 months ending Jun 30, 2026, with -61% growth year over year. The latest XYF earnings report on Jun 30, 2026 announced Q2 2026 earnings of $6.9M, up 25.6% from last quarter. For the last reported fiscal year 2025 ending Dec 31, 2025, XYF reported annual earnings of $209.3M, with -0.8% growth.

XYF past earnings growth

How has XYF's earnings growth performed historically?

Company
-61.02%
Industry
116.96%
Market
92.4%
XYF's earnings have grown slower... 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 earnings history

Current Revenue
$824.0M
Current Earnings
$82.9M
Current Profit Margin
10.1%

XYF Return on Equity

Current Company
7.2%
Current Industry
93.8%
Current Market
30.9%
XYF's Return on Equity (7.2%)... subscribe to Premium to read more.
High Return on Equity Performance

XYF Return on Assets

Current Company
4.1%
Current Industry
18.2%
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
34.2%

XYF vs Credit Service Stocks

TickerEBITDAEarningsY/Y EarningsEPS
XYFN/A$83.81M+1.91%$2.18
CPSS$274.89M$21.61M-0.80%$0.98
TROO-$27.11M-$27.91MN/A-$0.23
FOA-$3.41M-$2.78M-97.79%$0.19
MFIN$61.77M$28.84M+87.76%$1.40
View Top Credit Service Stocks

X Financial Earnings Reports & History FAQ

What were X Financial's earnings last quarter?

On XYF's earnings call on Aug 24, 2026, X Financial (NYSE: XYF) reported Q2 2026 earnings per share (EPS) of $0.19, up 89.48% year over year. Total XYF earnings for the quarter were $6.92 million. In the same quarter last year, X Financial's earnings per share (EPS) was $1.76.

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 Jun 30, 2026 was $82.92 million, a 66.01% decrease year over year.

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

As of X Financial's earnings date in Aug 24, 2026, X Financial's earnings has grown -61.02% year over year. This is 177.97 percentage points lower than the US Credit Services industry earnings growth rate of 116.96%. XYF earnings in the past year totalled $83.81 million.
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