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