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| Date | Value |
|---|---|
| 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 |