X Financial (XYF) Cash & Equivalents (2016 - 2025)

X Financial (XYF) posted quarterly Cash & Equivalents of $139.2 million for Q4 2025, up 1.59% year-over-year from $137.1 million in Q4 2024, and up 1485.92% on a QoQ basis from $8.8 million in Q3 2025.

X Financial (XYF) Cash & Equivalents (2016 - 2025) Analysis & Trends

X Financial (XYF) has reported Cash & Equivalents for 10 consecutive years, with $139.2 million the latest figure, recorded in Q4 2025.

  • In Q4 2025, Cash & Equivalents rose 1.59% year-over-year to $139.2 million; the TTM figure through Dec 2025 stood at $139.2 million (up 1.59% YoY), while the FY2025 annual figure was $141.2 million, up 4.7% from the prior year.
  • Cash & Equivalents came in at $139.2 million for Q4 2025 at X Financial, up from $8.8 million in the prior quarter.
  • The five-year high for Cash & Equivalents was $221.8 million in Q2 2024, with the low at $3.6 million in Q3 2024.
  • Average Cash & Equivalents over 5 years is $123.1 million, with a median of $135.6 million recorded in 2023.
  • Across the five-year window, Cash & Equivalents surged 288.44% in 2021 and tumbled 87.77% in 2024, its largest moves.
  • Year by year, Cash & Equivalents stood at $91.5 million in 2021, then decreased by 7.41% to $84.7 million in 2022, then soared by 96.05% to $166.0 million in 2023, then decreased by 17.44% to $137.1 million in 2024, then grew by 1.59% to $139.2 million in 2025.
  • According to Business Quant data, Cash & Equivalents over the past three periods registered $139.2 million, $8.8 million, and $161.0 million for Q4 2025, Q3 2025, and Q2 2025 respectively.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Cash & Equiv. (Qtr)
1 Visa 587.74 Bn 575.34 Bn - 12.40 Bn
2 Mastercard 465.55 Bn 455.34 Bn - 7.91 Bn
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 53.76 Bn
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 6.98 Bn
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 1.72 Bn
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn 3.40 Bn
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 444.00 Mn
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 22.80 Mn
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn 873.87 Mn
10 X Financial 1.19 Bn 1.05 Bn 137.63 Mn 139.25 Mn

Historic Data

Download Data
DateValue
Dec 31, 2025 139.25 Mn
Sep 30, 2025 8.78 Mn
Jun 30, 2025 160.95 Mn
Mar 31, 2025 191.47 Mn
Dec 31, 2024 137.07 Mn
Sep 30, 2024 3.58 Mn
Jun 30, 2024 221.85 Mn
Mar 31, 2024 195.71 Mn
Dec 31, 2023 166.02 Mn
Sep 30, 2023 29.22 Mn
Jun 30, 2023 182.09 Mn
Mar 31, 2023 134.13 Mn
Dec 31, 2022 84.68 Mn
Sep 30, 2022 51.79 Mn
Jun 30, 2022 104.94 Mn
Mar 31, 2022 102.41 Mn
Dec 31, 2021 91.46 Mn
Sep 30, 2021 150.82 Mn
Jun 30, 2021 183.36 Mn
Mar 31, 2021 122.07 Mn