X Financial (XYF) Accumulated Expenses (2017 - 2025)

X Financial (XYF) posted quarterly Accumulated Expenses of $146.8 million for Q4 2025, up 13.43% year-over-year from $129.4 million in Q4 2024, and down 11.6% quarter-over-quarter from $166.0 million in Q3 2025.

X Financial (XYF) Accumulated Expenses (2017 - 2025) Analysis & Trends

X Financial's Accumulated Expenses history runs 9 years deep, the most recent figure standing at $146.8 million for Q4 2025.

  • In Q4 2025, Accumulated Expenses rose 13.43% year-over-year to $146.8 million; the TTM figure through Dec 2025 stood at $146.8 million (up 13.43% YoY), while the FY2025 annual figure was $10.9 million, up 758.57% from the prior year.
  • Accumulated Expenses for Q4 2025 stood at $146.8 million, down from $166.0 million in the prior quarter.
  • The five-year high for Accumulated Expenses was $186.2 million in Q2 2025, with the low at $2.7 million in Q4 2022.
  • The 5-year median for Accumulated Expenses is $75.0 million (2023), against an average of $82.9 million.
  • The sharpest annual moves came in 2022 and 2023: Accumulated Expenses tumbled 40.65% in 2022, then surged 2900.05% in 2023.
  • X Financial's Accumulated Expenses stood at $4.5 million in 2021, then sank by 40.65% to $2.7 million in 2022, then soared by 2900.05% to $80.0 million in 2023, then surged by 61.83% to $129.4 million in 2024, then increased by 13.43% to $146.8 million in 2025.
  • Business Quant data shows XYF's Accumulated Expenses at $146.8 million in Q4 2025, $166.0 million in Q3 2025, and $186.2 million in Q2 2025.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr)
1 Visa 618.21 Bn 605.85 Bn -
2 Mastercard 506.53 Bn 493.04 Bn -
3 American Express 232.32 Bn 183.00 Bn 17.99 Bn
4 Capital One Financial 136.19 Bn 81.48 Bn -
5 PayPal Holdings 52.34 Bn 41.08 Bn -
6 Eason Technology 35.89 Bn 35.89 Bn -
7 Synchrony Financial 26.09 Bn 9.90 Bn -
8 Affirm Holdings 25.93 Bn 24.20 Bn -
9 SoFi Technologies 23.04 Bn 22.68 Bn -41.62 Mn
10 X Financial 1.29 Bn 989.81 Mn 137.63 Mn

Historic Data

Download Data
DateValue
Dec 31, 2025 146.78 Mn
Sep 30, 2025 166.05 Mn
Jun 30, 2025 186.22 Mn
Mar 31, 2025 132.11 Mn
Dec 31, 2024 129.40 Mn
Sep 30, 2024 104.39 Mn
Jun 30, 2024 92.85 Mn
Mar 31, 2024 84.19 Mn
Dec 31, 2023 79.96 Mn
Sep 30, 2023 93.45 Mn
Jun 30, 2023 69.94 Mn
Mar 31, 2023 55.29 Mn
Dec 31, 2022 2.67 Mn
Sep 30, 2022 50.66 Mn
Jun 30, 2022 50.51 Mn
Mar 31, 2022 47.68 Mn
Dec 31, 2021 4.49 Mn
Sep 30, 2021 45.34 Mn
Jun 30, 2021 58.49 Mn
Mar 31, 2021 57.31 Mn