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

X Financial (XYF) posted quarterly Accumulated Expenses of $13.0 million for Q4 2025, up 27.75% year-over-year from $10.2 million in Q4 2024, and down 92.15% on a QoQ basis from $166.0 million in Q3 2025.

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

X Financial (XYF) has reported Accumulated Expenses for 9 consecutive years, with $13.0 million the latest figure, recorded in 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 came in at $13.0 million for Q4 2025 at X Financial, 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 $190818.6 in Q4 2021.
  • Average Accumulated Expenses over 5 years is $66.6 million, with a median of $56.3 million recorded in 2021.
  • Across the five-year window, Accumulated Expenses plunged 99.61% in 2021 and surged 1296.79% in 2022, its largest moves.
  • Year by year, Accumulated Expenses 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 slipped by 15.32% to $10.2 million in 2024, then advanced by 27.75% to $13.0 million in 2025.
  • According to Business Quant data, Accumulated Expenses over the past three periods registered $13.0 million, $166.0 million, and $186.2 million for Q4 2025, Q3 2025, and Q2 2025 respectively.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr)
1 Visa 587.74 Bn 575.34 Bn -
2 Mastercard 465.55 Bn 455.34 Bn -
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn
10 X Financial 1.19 Bn 1.05 Bn 137.63 Mn

Historic Data

Download Data
DateValue
Dec 31, 2025 13.04 Mn
Sep 30, 2025 166.05 Mn
Jun 30, 2025 186.22 Mn
Mar 31, 2025 132.11 Mn
Dec 31, 2024 10.20 Mn
Sep 30, 2024 104.39 Mn
Jun 30, 2024 92.85 Mn
Mar 31, 2024 84.19 Mn
Dec 31, 2023 12.05 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 190,818.61
Sep 30, 2021 45.34 Mn
Jun 30, 2021 58.49 Mn
Mar 31, 2021 57.31 Mn