2025MNRAS.536..827B

Extragalactic black hole X-ray binaries (BH-XRBs) are the most intriguing X-ray sources as some of them are 'home' to the most massive stellar-mass BHs ever found. In this work, we conduct a comprehensive study of three massive, eclipsing extragalactic BH-XRBs i.e. M33X-7, NGC300X-1, and IC10X-1 and using entire X-ray observations available from XMM-Newton and NuSTAR till date. Preliminary analysis using diskbb and power-law models shows that the sources have steep spectra and sub-Eddington luminosities (L<0.69 L$_{\mathrm{ Edd}}$), with major flux contribution from non-thermal component, resembling the relatively uncharted steep power-law state (SPL). To understand the accretion disc properties in this state, we explore alternate modelling scenario that reveals the presence of a 'hot' ($kT_{\mathrm{ in}}=1\!-\!2$ keV) slim-disc (diskpbb) with radial temperature profile $T(r)\propto r^{-p}$ ($p=0.5\!-\!0.66$), along with a cooler ($kT_{\mathrm{ in}}=0.1\!-\!0.2$ keV) standard thermal disc (diskbb). We carry out the continuum-fitting method using relativistic slim-disc model (slimbh) and estimate the mass range of M33 X-7, NGC300X-1, and IC10X-1 is to be 9-15 M$_{\odot }$, 9-28 M$_{\odot }$, and 10-30 M$_{\odot }$, respectively. Further, eclipse periods are determined by modelling the light curve, using which we estimate the size of the eclipsing bodies. Modelling of the eclipse spectra revealed the complete obscuration of soft spectral component during eclipse, implying the emission of hard component from an extended accretion region. Based on our findings, we provide an inference on geometry of accretion disc in these wind-fed systems and compare their properties with the other two extragalactic BH-XRBs.