X Financial (XYF) Enterprise Value (2016 - 2025)

X Financial (XYF) posted quarterly Enterprise Value of -$139.2 million for Q4 2025, up 39.8% year-over-year from -$99.6 million in Q4 2024, and down 38.32% on a QoQ basis from -$100.7 million in Q3 2025.

X Financial (XYF) Enterprise Value (2016 - 2025) Analysis & Trends

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

  • In Q4 2025, Enterprise Value rose 39.8% year-over-year to -$139.2 million; the TTM figure through Dec 2025 stood at -$139.2 million (up 39.8% YoY), while the FY2025 annual figure was -$137.4 million, up 40.56% from the prior year.
  • Enterprise Value came in at -$139.2 million for Q4 2025 at X Financial, down from -$100.7 million in the prior quarter.
  • The five-year high for Enterprise Value was -$73.3 million in Q3 2024, with the low at -$303.3 million in Q1 2024.
  • Average Enterprise Value over 5 years is -$203.4 million, with a median of -$203.6 million recorded in 2021.
  • Across the five-year window, Enterprise Value soared 41.82% in 2022 and slumped 90.74% in 2023, its largest moves.
  • Year by year, Enterprise Value stood at -$180.0 million in 2021, then increased by 21.34% to -$141.6 million in 2022, then slumped by 90.74% to -$270.1 million in 2023, then grew by 14.35% to -$231.3 million in 2024, then surged by 39.8% to -$139.2 million in 2025.
  • According to Business Quant data, Enterprise Value over the past three periods registered -$139.2 million, -$100.7 million, and -$268.4 million for Q4 2025, Q3 2025, and Q2 2025 respectively.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Enterprise Value (Qtr)
1 Visa 587.74 Bn 575.34 Bn - -12.40 Bn
2 Mastercard 465.55 Bn 455.34 Bn - -10.21 Bn
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn -54.05 Bn
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn -9.34 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 -1.26 Bn
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 -100.67 Mn
Jun 30, 2025 -268.38 Mn
Mar 31, 2025 -289.14 Mn
Dec 31, 2024 -231.29 Mn
Sep 30, 2024 -73.31 Mn
Jun 30, 2024 -303.06 Mn
Mar 31, 2024 -303.25 Mn
Dec 31, 2023 -270.06 Mn
Sep 30, 2023 -111.59 Mn
Jun 30, 2023 -273.44 Mn
Mar 31, 2023 -197.75 Mn
Dec 31, 2022 -141.58 Mn
Sep 30, 2022 -120.70 Mn
Jun 30, 2022 -163.55 Mn
Mar 31, 2022 -204.73 Mn
Dec 31, 2021 -179.98 Mn
Sep 30, 2021 -202.47 Mn
Jun 30, 2021 -281.09 Mn
Mar 31, 2021 -213.10 Mn