X Financial's

Name: X Financial Comparisons to its Competitors and Market Share - CSIMarket
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XYF Sales vs. its Competitors Q4 2025

Comparing the current results to its competitors, X Financial reported Revenue increase in the 4 quarter 2025 by 36.18 % year on year.
The sales growth was above X Financial's competitors' average revenue growth of 3 %, achieved in the same quarter.

• List of XYF Competitors

With a net margin of 19.12 % X Financial achieved higher profitability than its competitors.

• More on XYF Profitability Comparisons

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Revenue Growth Comparisons

Net Income Comparison

X Financial Net Income in the 4 quarter 2025 fell year on year by -0.73%, slower than its competitors' income growth of 20.4 %

<< XYF Stock Performance Comparisons

X Financial's Comment on Competition and Industry Peers

The company operates in China's online personal finance platform market, competing with online marketplaces, online finance service providers, internet finance platforms backed by technology giants, and traditional financial institutions. Competitors include online personal finance marketplaces that connect borrowers with institutional funding partners, as well as credit card issuers, consumer finance units within commercial banks, and other consumer finance companies. Some larger competitors offer broader product or service ranges and have significant financial resources for sales and marketing. Regulatory changes, such as the white-list management mechanism under Notice 9, may initially reduce the number of active market participants but could result in new qualified players entering the market as regulations evolve.

<< See the full list of XYF competitors

Overall company Market Share Q4 2025

Strong sales growth of 36.18 % in Overall company contributed to X Financial increase in total revenue by 36.18 % X Financial improved its market share in this segment, to approximately 45.01 %. << More on XYF Market Share.

*Market share is calculated based on total revenue.

XYF's Stock Performance relative to its Competitors

Publicly Traded Peers of X Financial

Bread Financial Holdings Inc
Share Performance

+14.57%

This Quarter

Bread Financial Holdings Inc

Profile

Bread Financial Holdings Inc's business model involves providing financial solutions to customers through a mobile app or platform.

More about Bread Financial Holdings Inc 's Market Share

Market Cap.	Revenues TTM	Net Income TTM
$ 4,153.435 mill.	$ 4,092.000 mill.	$ 568.000 mill.

Sources: X Financial’s official press releases and regulatory filings; CSIMarket.com’s market research; and the financial filings and press releases of other companies cited in this report.
Updated on: Sunday, August 30, 2026 4:43 PM
Focus of this report: publicly traded companies.
For your research, we’ve provided 10 tables on X Financial versus competitors, including market share analysis.
You can find them in the navigation menu under Competition.
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