X Financial (XYF) Earnings History
Profitable10 years of earnings data (2016–2025) · Positive TTM net income
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X Financial (XYF) Earnings Overview
As of October 22, 2026, X Financial (XYF) reported trailing twelve-month net income of $562M, reflecting +8.8% year-over-year growth. The company earned $88.94 per diluted share over the past four quarters, with a net profit margin of 19.2%.
Looking at the long-term picture, XYF's historical earnings data spans multiple years. The company achieved its highest annual net income of $1.54B in fiscal 2024.
X Financial maintains industry-leading profitability with a gross margin of 73.6%, operating margin of 21.4%, and net margin of 19.2%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including QFIN ($3.72B net income, 31.0% margin), FINV ($2.54B net income, 18.7% margin), LX ($1.03B net income, 13.0% margin), XYF has room to improve margins relative to the peer group. Compare XYF vs QFIN →
XYF Earnings vs Peers
Earnings metrics vs comparable public companies
XYF Historical Earnings Data (2016–2025)
10 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $1.42B | -7.5% | $1.59B | $205.56 | 19.2% | 21.4% |
| 2024 | $1.54B | +29.8% | $1.87B | $189.00 | 35.9% | 43.7% |
| 2023 | $1.19B | +46.2% | $1.47B | $146.88 | 62.3% | 77.0% |
| 2022 | $812M | -1.6% | $1.22B | $90.72 | 54.5% | 81.9% |
| 2021 | $825M | +163.1% | $1.19B | $88.20 | 54.6% | 78.8% |
| 2020 | -$1.31B | -269.0% | -$1.60B | $-146.64 | - | - |
| 2019 | $774M | -12.3% | $664M | $87.12 | 60.6% | 51.9% |
| 2018 | $883M | +159.5% | $1.08B | $104.76 | 40.7% | 50.0% |
| 2017 | $340M | +384.6% | $479M | $43.92 | 33.9% | 47.7% |
| 2016 | -$120M | - | -$147M | $-18.06 | - | - |
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XYF — Frequently Asked Questions
Quick answers to the most common questions about buying XYF stock.
What is XYF earnings per share (EPS)?
XYF trailing twelve-month (TTM) diluted EPS is $88.94, reflecting +8.8% year-over-year growth. The 5-year EPS CAGR is N/A. Complete EPS history from 2016 to 2025 is available in the table on this page.
What is X Financial's net income?
X Financial (XYF) trailing twelve-month net income is $562M as of 2025. Earnings grew +8.8% year-over-year. X Financial has been profitable for 5 consecutive years.
Is XYF profitable?
Yes, XYF is profitable with a TTM net income of $562M and a net profit margin of +19.2%. X Financial has generated profits for 5 consecutive years.
What is XYF's earnings growth rate?
XYF compound annual EPS growth rates (CAGR): 1-Year: +8.8%, 3-Year: +31.3%, 5-Year: N/A, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2016 to 2025.
What are XYF's profit margins?
X Financial net profit margin is +19.2%, operating margin is +21.4%, and gross margin is +73.6%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +19.3%.
Is XYF growing earnings?
XYF is growing earnings steadily. YoY EPS growth of +8.8% is consistent with the 5-year CAGR of N/A. TTM net income is $562M.
What was XYF's best earnings year?
X Financial's highest annual net income on record is $1.5B, achieved in fiscal year 2024. Earnings history on this page spans 2016 to 2025 and includes all annual and quarterly figures.
What were XYF's earnings last quarter?
XYF's most recent reported quarter was Q2 2026. Net income was $47M with diluted EPS of $7.50. For a full breakdown of all quarters, see the quarterly earnings table on this page.