X Financial (XYF) Growth Rates Comparisons to Miscellaneous Financial Services Industry, Sector, Market. Sales, Income, EPS
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X Financial  (NYSE: XYF)
 

X Financial Growth Comparisons

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XYF Revenue Growth Rate Comparisons Company Industry Sector S&P 500
Y / Y Revenue Growth (Q4 MRQ) 36.18 % 6.16 % 16.35 % 9.17 %
Q / Q Revenue Growth (Q4 MRQ) - 6.46 % -3.11 % 4.22 %
Y / Y Revenue Growth (for 12 months ending Q4 TTM) 36.18 % 10.78 % 12.61 % %
Sequential Revenue Growth (for 12 months ending Q4 TTM) - 3.34 % 5.58 % 2.08 %
Revenue 5 Year Average Growth 28.63 % 46.79 % 12.93 % 10.59 %


XYF's Growth Comparisons in IV. Quarter 2025




Facing 36.18% year on year revenue decrease in the fourth quarter 2025, to $ 1.10 billions, X Financial reported smaller declines than the Miscellaneous Financial Services industry with 6.16%, and less than 16.35% improvement in the Financial sector. Although Miscellaneous Financial Services industry's Revenue gains were softer then 9.17% overall market growth, X Financial and the Financial sector have delivered above average market Revenue growth.

Sequentially company's Revenue were unchanged from the third quarter results. . Looking into annual growth, revenue grew by 28.63% on average in last five years, while S & P 500's including only Businesses with the fourth quarter 2025 earnings reports, average yearly revenue growth is 10.59%.

XYF Growth Rates by Company's Segments

Segment Name
Y / Y
Sequential
Total
36.18 %
-


Growth Rates of XYF's Income in the fourth quarter 2025


XYF Operating Income Growth Rates Comparisons Company Industry Sector S&P 500
Y / Y Operating Income Change (Q4 MRQ) -9.2 % -69.7 % 57.53 % 29.95 %
Sequential Operating Income Change (Q4 MRQ) - -72.94 % 3.8 % 4.5 %
Y / Y Operating Income Growth (Q4 TTM) -9.2 % 0.51 % 7.76 % 14.37 %
Sequential Operating Income Growth (Q4 TTM) -9.2 % -9.13 % 8.04 % 6.96 %
Operating Income 5 Year Avg. Change - 24.98 % 13.77 % 18.76 %


Income from Cont. Ops. Growth Rates Comparisons Company Industry Sector S&P 500
Y / Y Income from Cont. Ops. Change (Q4 MRQ) -0.73 % 24.29 % 17.52 % 21.83 %
Sequential Income from Cont. Ops. Change (Q4 MRQ) - 124.84 % -1.09 % 11.13 %
Y / Y Income from Cont. Ops. Change (Q4 TTM) -0.73 % 10.17 % 2.13 % 16.46 %
Sequential Income from Cont. Ops. Change (Q4 TTM) -0.73 % 11.38 % 0.17 % 6.05 %
Income from Cont. Ops. 5 Year Avg. Change - 9.23 % 14.45 % -28.52 %

XYF Net Income Growth Rates Comparisons Company Industry Sector S&P 500
Y / Y Net Income Growth (Q4 MRQ) -0.73 % - 11.92 % 21.56 %
Q / Q Net Income Growth (Q4 MRQ) - - -27.31 % 11.12 %
Y / Y Net Income Change (Q4 TTM) -0.73 % -24.17 % -3.45 % 16.59 %
Sequential Net Income Change (Q4 TTM) -0.73 % -22.99 % -4.19 % 6.03 %
Net Income 5 Year Avg. Growth - 9.01 % 13.79 % 22.96 %

XYF's EPS Growth Rates


EPS from Cont. Ops. Growth Rates Comparisons Company Industry Sector S&P 500
Y / Y EPS from Cont. Ops. Change (Q4 MRQ) 17.81 % 4.36 % 17.52 % 21.83 %
Sequential EPS from Cont. Ops. Change (Q4 MRQ) - 124.38 % -1.09 % 11.13 %
Y / Y EPS from Cont. Ops. Change (Q4 TTM) 17.81 % 19.86 % - -
Sequential EPS from Cont. Ops. Change (Q4 TTM) 17.81 % 40.58 % - -99.7 %
EPS from Cont. Ops. 5 Year Avg. Growth - -17.34 % 14.45 % -28.52 %



XYF EPS Net Growth Rates Comparisons Company Industry Sector S&P 500
Y / Y EPS Net Growth (Q4 MRQ) 16.67 % - 11.92 % -28.52 %
Q / Q EPS Net Growth (Q4 MRQ) - - -27.31 % 11.12 %
Y / Y EPS Net Change (for 12 months ending Q4 TTM) - 17.51 % - -99.97 %
Sequential EPS Net Change (for 12 months ending Q4 TTM) 16.67 % 44.68 % - -99.87 %
EPS Net 5 Year Avg. Change - 9.01 % 13.79 % 22.96 %



X Financial's 16.67% year on year EPS growth, has slowed-down in the fourth quarter to $0.84 , but outperforms the 6.16% growth in the Miscellaneous Financial Services industry, and 11.92% improvement in the Financial sector.

Sequentially company's EPS were unchanged from the third quarter results. . Looking into annual growth, income per share grew by 28.63% on average in the last five years, while the S & P 500's including only the businesses with the fourth quarter 2025 financial results, average yearly income per share growth is 22.96%.

XYF Cash Flow Growth Rates


Free Cash Flow Growth Rates Company Industry Sector S&P 500
Y / Y Free Cash Flow Change (Q4 MRQ) 1.5 % - -19.08 % 2 %
Sequential Free Cash Flow Change (Q4 MRQ) - - 57.26 % 22.32 %
Y / Y Free Cash Flow Change (Q4 TTM) 1.5 % 857.75 % -35.11 % 11.81 %
Sequential Free Cash Flow Change (Q4 TTM) 1.5 % 393.01 % -32.76 % 2.41 %
Free Cash Flow 5 Year Avg. Change - - -6.66 % 8.28 %

Net Cash Flow Growth Rates Company Industry Sector S&P 500
Y / Y Net Cash Flow Change (Q4 MRQ) - - - 1035.72 %
Sequential Net Cash Flow Change (Q4 MRQ) - -38.24 % - -
Y / Y Net Cash Flow Change (Q4 TTM) - 76.23 % 20.97 % -
Sequential Net Cash Flow Change (Q4 TTM) - 7.39 % 8.42 % -
Net Cash Flow 5 Year Avg. Change 41.3 % -4.59 % 3.6 % 1.06 %

Capital Expenditures Company Industry Sector S&P 500
Y / Y Capital Expenditures Change (Q4 MRQ) 60.57 % 13.58 % 20.79 % 23.41 %
Sequential Capital Expenditures Change (Q4 MRQ) - 187.62 % 68.83 % 18.97 %
Y / Y Capital Expenditures Change (Q4 TTM) 60.57 % -69.67 % 3.31 % 23.88 %
Sequential Capital Expenditures Change (Q4 TTM) 60.57 % -81.89 % -11.03 % 7.02 %
Capital Expenditures 5 Year Avg. Change - 20.49 % 6.01 % 14.73 %

Note
To view Detail Information & Trends click on Individual Category.
To see Industry, Sector or S&P 500 Performance, click on each Category respectivly, on the top of the Table.

For explanation of terms visit: Glossary
 


• Revenue Y/Y
• Op. Income Y/Y
• Cop. Income Y/Y
• Net Income Y/Y
• Eps Cop. Y/Y
• Eps Net Y/Y
• Free Cash Flow Y/Y
• Cash Flow Y/Y
• Capex Y/Y
• Y/Y Annual




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