X Financial (XYF) Change in Accured Expenses (2017 - 2025)

X Financial (XYF) recorded quarterly Change in Accured Expenses of $10.7 million in Q4 2025, down 30.6% quarter-over-quarter from $15.5 million in Q3 2025, and down 18.67% on a YoY basis from $13.2 million in Q4 2024.

X Financial (XYF) Change in Accured Expenses (2017 - 2025) Analysis & Trends

X Financial's Change in Accured Expenses history runs 9 years deep, the most recent figure standing at $10.7 million for Q4 2025.

  • In Q4 2025, Change in Accured Expenses fell 18.67% year-over-year to $10.7 million; the TTM figure through Dec 2025 stood at $10.7 million (down 18.67% YoY), while the FY2025 annual figure was $10.9 million, down 16.18% from the prior year.
  • Change in Accured Expenses was $10.7 million for Q4 2025 at X Financial, down from $15.5 million in the prior quarter.
  • In the past five years, Change in Accured Expenses ranged from a high of $15.5 million in Q3 2025 to a low of $3.0 million in Q1 2021.
  • Historically, Change in Accured Expenses has averaged $7.9 million across 5 years, with a median of $7.0 million in 2021.
  • The sharpest annual moves came in 2021 and 2022: Change in Accured Expenses sank 46.11% in 2021, then soared 69.35% in 2022.
  • A 5-year view of Change in Accured Expenses shows it stood at $7.0 million in 2021, then decreased by 5.18% to $6.6 million in 2022, then jumped by 82.18% to $12.1 million in 2023, then grew by 9.42% to $13.2 million in 2024, then declined by 18.67% to $10.7 million in 2025.
  • The last three Change in Accured Expenses figures came in at $10.7 million (Q4 2025), $15.5 million (Q3 2025), and $10.9 million (Q2 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Change in Accured Expenses (Qtr)
1 Visa 541.66 Bn 529.25 Bn - 397.00 Mn
2 Mastercard 437.55 Bn 427.34 Bn - 39.00 Mn
3 American Express 212.80 Bn 158.76 Bn 17.43 Bn 476.00 Mn
4 Capital One Financial 112.47 Bn 35.97 Bn - 181.00 Mn
5 PayPal Holdings 37.70 Bn 28.36 Bn 7.84 Bn -437.00 Mn
6 Synchrony Financial 24.26 Bn 3.70 Bn - -312.00 Mn
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 Mn 28.52 Mn
8 SoFi Technologies 20.46 Bn 17.06 Bn 929.25 Mn -33.85 Mn
9 Ally Financial 13.30 Bn 12.86 Bn 1.98 Bn 123.00 Mn
10 X Financial 162.02 Mn 22.77 Mn 137.63 Mn 10.72 Mn

Historic Data

Download Data
DateValue
Dec 31, 2025 10.72 Mn
Dec 31, 2025 10.72 Mn
Sep 30, 2025 15.45 Mn
Sep 30, 2025 15.45 Mn
Jun 30, 2025 10.85 Mn
Jun 30, 2025 10.85 Mn
Mar 31, 2025 6.65 Mn
Mar 31, 2025 6.65 Mn
Dec 31, 2024 13.19 Mn
Dec 31, 2024 13.19 Mn
Sep 30, 2024 13.26 Mn
Sep 30, 2024 13.26 Mn
Jun 30, 2024 8.09 Mn
Jun 30, 2024 8.09 Mn
Mar 31, 2024 4.31 Mn
Mar 31, 2024 4.31 Mn
Dec 31, 2023 12.05 Mn
Dec 31, 2023 12.05 Mn
Sep 30, 2023 9.74 Mn
Sep 30, 2023 9.74 Mn