X Financial (XYF) Accumulated Expenses (2017 - 2026)
X Financial (XYF) reported Accumulated Expenses of $101.53 million for Q2 2026, down 45.5% from $186.22 million a year earlier and down 21.8% from the prior quarter.
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Analysis
X Financial (XYF) Accumulated Expenses (2017 - 2026) Analysis & Trends
At the end of FY2025, X Financial posted Accumulated Expenses of $148.87 million, up 16.9% from FY2024.
- Accumulated Expenses has increased for four consecutive years, with a five-year compound annual growth rate of 24.6% (FY2020 to FY2025).
- By year, Accumulated Expenses came in at $127.34 million in FY2024 (+57.0%), $81.09 million in FY2023 (+17.5%), $69.02 million in FY2022 (+63.5%) and $42.21 million in FY2021 (-14.9%).
- The Q2 2026 figure ranks as the lowest quarterly Accumulated Expenses since Q2 2024.
- Year over year, Accumulated Expenses gained in five of the last seven quarters, with growth averaging 28.0%.
- The high point for year-over-year Accumulated Expenses in five years was Q2 2025 (growth of 100.6%); the low point was Q4 2022 (a decline of 85.4%).
- Per Business Quant data, the three quarters before Q2 2026 came in at $129.88 million (Q1 2026), $148.48 million (Q4 2025) and $166.05 million (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) |
|---|---|---|---|---|
| 1 | PayPal Holdings | 50.38 Bn | 8.60 Bn | - |
| 2 | Block | 47.16 Bn | 18.46 Bn | 3.17 Bn |
| 3 | Coinbase Global | 44.38 Bn | 1.19 Bn | - |
| 4 | Corpay | 27.22 Bn | 17.10 Bn | - |
| 5 | Fiserv | 26.96 Bn | 23.64 Bn | 2.90 Bn |
| 6 | Global Payments | 23.09 Bn | 884.97 Mn | 2.03 Bn |
| 7 | Guidewire Software | 15.87 Bn | 12.43 Bn | 269.68 Mn |
| 8 | Bitmine Immersion Technologies | 12.44 Bn | 9.82 Bn | 40.81 Mn |
| 9 | Jack Henry & Associates | 11.62 Bn | 11.52 Bn | 273.85 Mn |
| 10 | X Financial | 197.62 Mn | -1.29 Bn | 84.09 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 101.53 Mn |
| Mar 31, 2026 | 129.88 Mn |
| Dec 31, 2025 | 148.81 Mn |
| Sep 30, 2025 | 166.05 Mn |
| Jun 30, 2025 | 186.22 Mn |
| Mar 31, 2025 | 132.11 Mn |
| Dec 31, 2024 | 127.36 Mn |
| Sep 30, 2024 | 104.39 Mn |
| Jun 30, 2024 | 92.85 Mn |
| Mar 31, 2024 | 84.19 Mn |
| Dec 31, 2023 | 81.01 Mn |
| Sep 30, 2023 | 93.45 Mn |
| Jun 30, 2023 | 69.94 Mn |
| Mar 31, 2023 | 55.29 Mn |
| Dec 31, 2022 | 68.37 Mn |
| Sep 30, 2022 | 50.66 Mn |
| Jun 30, 2022 | 50.51 Mn |
| Mar 31, 2022 | 47.68 Mn |
| Dec 31, 2021 | 42.21 Mn |
| Sep 30, 2021 | 45.34 Mn |
API Access
X Financial Accumulated Expenses API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=accumulated-expenses&ticker=XYF&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "accumulated-expenses", "ticker": "XYF", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=accumulated-expenses&ticker=XYF&period=max&api_key=YOUR_API_KEY");
const data = await res.json();