X Financial (XYF) Interest Expenses (2025 - 2026)
X Financial (XYF) posted quarterly Interest Expenses of $241440.0 for Q4 2025, up 2773.71% year-over-year from $8401.7 in Q4 2024, and up 2773.71% quarter-over-quarter from $8401.7 in Q4 2024.
Analysis
X Financial (XYF) Interest Expenses (2025 - 2026) Analysis & Trends
X Financial's Interest Expenses history runs 9 years deep, the most recent figure standing at $241440.0 for Q4 2025.
- In Q4 2025, Interest Expenses rose 2773.71% year-over-year to $241440.0; the TTM figure through Dec 2025 stood at $241440.0 (up 2773.71% YoY), while the FY2025 annual figure was $14.7 million, down 66.61% from the prior year.
- Interest Expenses for Q4 2025 stood at $241440.0, up from $8401.7 in the prior quarter.
- The five-year high for Interest Expenses was $31.4 million in Q4 2023, with the low at $8401.7 in Q4 2024.
- The 5-year median for Interest Expenses is $17.7 million (2021), against an average of $15.9 million.
- The sharpest annual moves came in 2024 and 2025: Interest Expenses sank 99.97% in 2024, then jumped 2773.71% in 2025.
- X Financial's Interest Expenses stood at $17.7 million in 2021, then soared by 70.35% to $30.2 million in 2022, then advanced by 4.03% to $31.4 million in 2023, then tumbled by 99.97% to $8401.7 in 2024, then surged by 2773.71% to $241440.0 in 2025.
- Business Quant data shows XYF's Interest Expenses at $241440.0 in Q4 2025, $8401.7 in Q4 2024, and $31.4 million in Q4 2023.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Expense (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 194.00 Mn |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 218.00 Mn |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 1.96 Bn |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 4.01 Bn |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | - |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 118.51 Mn |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 975.00 Mn |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 352.33 Mn |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 1.51 Bn |
| 10 | X Financial | 433.08 Mn | 145.32 Mn | 84.09 Mn | -228,808.19 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | -228,808.19 |
| Jun 30, 2026 | -228,808.19 |
| Mar 31, 2026 | -298,414.27 |
| Mar 31, 2026 | -298,414.27 |
| Jun 30, 2025 | -683,383.27 |
| Jun 30, 2025 | -683,383.27 |
| Mar 31, 2025 | -776,010.32 |
| Mar 31, 2025 | -776,010.32 |