X Financial (XYF) Revenue History
Annual and quarterly revenue from 2016 to 2024
Compound Annual Growth Rate (CAGR)
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Revenue Growth Metrics
Revenue Breakdown (FY 2024)
XYF's revenue distribution by segment and geography for fiscal year 2024
By Product/Segment
XYF Revenue Analysis (2016–2024)
As of March 1, 2026, X Financial (XYF) generated trailing twelve-month (TTM) revenue of $6.40 billion, reflecting explosive growth of +81.0% year-over-year. The most recent quarter (Q3 2025) recorded $1.96 billion in revenue, up 11.5% sequentially.
Looking at the longer-term picture, XYF's 5-year compound annual growth rate (CAGR) stands at +35.6%, indicating outstanding long-term growth trajectory. The company achieved its highest annual revenue of $5.87 billion in 2024, representing a new all-time high.
Revenue diversification analysis shows XYF's business is primarily driven by Xiaoying Credit Loan (50%), Loan Facilitation Service (28%), and Financial Service (12%).
When compared to Financial Services sector peers including COF, SYF, and SYF-PB. Compare XYF vs COF →
Peer Comparison
Compare XYF's revenue metrics with industry peers
| Company | TTM Revenue | YoY Growth | 5Y CAGR | Op. Margin | Compare |
|---|---|---|---|---|---|
| XYFCurrent | $6.4B | +81.0% | +35.6% | 31.9% | |
| COF | $53.9B | - | - | 11.0% | |
| SYF | $20.8B | - | - | 21.9% | |
| SYF-PB | $20.8B | - | - | 21.9% | |
| OMF | $6.2B | - | - | 37.5% | |
| ENVA | $3.2B | - | - | 23.5% |
Historical Revenue Data
| Year | Revenue | YoY % | Gross Profit | Gross Margin | Op. Income | Op. Margin |
|---|---|---|---|---|---|---|
| 2024 | $5.87B | - | $3.91B | 66.6% | $1.87B | 31.9% |
| 2023 | $3.28B | - | $1.60B | 48.8% | $1.47B | 44.8% |
| 2022 | $2.32B | - | $1.32B | 56.9% | $1.22B | 52.5% |
| 2021 | $1.51B | - | $1.37B | 90.4% | $1.19B | 78.8% |
| 2020 | $-61,501,115 | - | $-1,399,388,991 | 2275.4% | $-1,601,534,136 | 2604.1% |
| 2019 | $1.28B | - | $968.5M | 75.8% | $663.9M | 51.9% |
| 2018 | $2.17B | - | $1.52B | 69.9% | $1.08B | 50.0% |
| 2017 | $1.00B | - | $653.3M | 65.1% | $478.6M | 47.7% |
| 2016 | $-39,168,522 | - | $-47,267,674 | 120.7% | $-147,199,063 | 375.8% |
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Start ComparisonFrequently Asked Questions
Is XYF's revenue growth accelerating or slowing?
XYF revenue is accelerating at +81.0% year-over-year, exceeding the 5-year CAGR of +35.6%. TTM revenue reached $6.4B. Growth momentum has increased versus prior periods.
What is XYF's long-term revenue growth rate?
X Financial's 5-year revenue CAGR of +35.6% reflects the sustained expansion pattern. Current YoY growth of +81.0% is above this long-term average.
How is XYF's revenue distributed by segment?
XYF reports revenue by product line and geographic region. Annual and quarterly breakdowns from 2016-2024 are available for download. Segment mix reveals concentration and diversification trends.