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

X Financial (XYF) recorded quarterly Accumulated Expenses of $13.0 million in Q4 2025, up 27.75% quarter-over-quarter from $10.2 million in Q4 2024, and up 27.75% on a YoY basis from $10.2 million in Q4 2024.

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 $13.0 million for Q4 2025.

  • In Q4 2025, Accumulated Expenses rose 27.75% year-over-year to $13.0 million; the TTM figure through Dec 2025 stood at $13.0 million (up 27.75% YoY), while the FY2025 annual figure was $13.2 million, up 95.51% from the prior year.
  • Accumulated Expenses was $13.0 million for Q4 2025 at X Financial, up from $10.2 million in the prior quarter.
  • In the past five years, Accumulated Expenses ranged from a high of $13.0 million in Q4 2025 to a low of $190818.6 in Q4 2021.
  • Historically, Accumulated Expenses has averaged $7.6 million across 5 years, with a median of $10.2 million in 2024.
  • The sharpest annual moves came in 2021 and 2022: Accumulated Expenses tumbled 99.61% in 2021, then surged 1296.79% in 2022.
  • A 5-year view of Accumulated Expenses shows it stood at $190818.6 in 2021, then soared by 1296.79% to $2.7 million in 2022, then soared by 352.15% to $12.1 million in 2023, then fell by 15.32% to $10.2 million in 2024, then increased by 27.75% to $13.0 million in 2025.
  • The last three Accumulated Expenses figures came in at $13.0 million (Q4 2025), $10.2 million (Q4 2024), and $12.1 million (Q4 2023), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr)
1 Visa 541.66 Bn 529.25 Bn -
2 Mastercard 437.55 Bn 427.34 Bn -
3 American Express 212.80 Bn 158.76 Bn 17.43 Bn
4 Capital One Financial 112.47 Bn 35.97 Bn -
5 PayPal Holdings 37.70 Bn 28.36 Bn 7.84 Bn
6 Synchrony Financial 24.26 Bn 3.70 Bn -
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 Mn
8 SoFi Technologies 20.46 Bn 17.06 Bn 929.25 Mn
9 Ally Financial 13.30 Bn 12.86 Bn 1.98 Bn
10 X Financial 162.02 Mn 22.77 Mn 137.63 Mn

Historic Data

Download Data
DateValue
Dec 31, 2025 13.04 Mn
Dec 31, 2024 10.20 Mn
Dec 31, 2023 12.05 Mn
Dec 31, 2022 2.67 Mn
Dec 31, 2021 190,818.61
Dec 31, 2020 48.85 Mn
Dec 31, 2019 8.99 Mn
Dec 31, 2018 13.52 Mn
Dec 31, 2017 11.75 Mn