X Financial (XYF) Invested Capital (2016 - 2025)
X Financial (XYF) posted quarterly Invested Capital of $1.2 billion for Q4 2025, up 14.69% year-over-year from $1.0 billion in Q4 2024, and up 14.69% on a QoQ basis from $1.0 billion in Q4 2024.
X Financial (XYF) Invested Capital (2016 - 2025) Analysis & Trends
X Financial (XYF) has reported Invested Capital for 10 consecutive years, with $1.2 billion the latest figure, recorded in Q4 2025.
- In Q4 2025, Invested Capital rose 14.69% year-over-year to $1.2 billion; the TTM figure through Dec 2025 stood at $1.2 billion (up 14.69% YoY), while the FY2025 annual figure was $1.1 billion, up 13.23% from the prior year.
- Invested Capital came in at $1.2 billion for Q4 2025 at X Financial, up from $1.0 billion in the prior quarter.
- The five-year high for Invested Capital was $1.2 billion in Q4 2025, with the low at $622.0 million in Q4 2021.
- Average Invested Capital over 5 years is $871.5 million, with a median of $890.6 million recorded in 2023.
- Across the five-year window, Invested Capital soared 34.01% in 2021 and climbed 7.44% in 2022, its largest moves.
- Year by year, Invested Capital stood at $622.0 million in 2021, then grew by 7.44% to $668.3 million in 2022, then surged by 33.25% to $890.6 million in 2023, then rose by 13.83% to $1.0 billion in 2024, then climbed by 14.69% to $1.2 billion in 2025.
- According to Business Quant data, Invested Capital over the past three periods registered $1.2 billion, $1.0 billion, and $890.6 million for Q4 2025, Q4 2024, and Q4 2023 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Invested Cap. (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 59.66 Bn |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 8.47 Bn |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 92.75 Bn |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 30.90 Bn |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 3.78 Bn |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 12.63 Bn |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 32.96 Bn |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 1.52 Bn |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 2.39 Bn |
| 10 | X Financial | 1.19 Bn | 1.05 Bn | 137.63 Mn | 1.16 Bn |
Historic Data
Download Data| Date | Value |
|---|---|
| Dec 31, 2025 | 1.16 Bn |
| Dec 31, 2024 | 1.01 Bn |
| Dec 31, 2023 | 890.56 Mn |
| Dec 31, 2022 | 668.33 Mn |
| Dec 31, 2021 | 622.02 Mn |
| Dec 31, 2020 | 464.15 Mn |
| Dec 31, 2019 | 619.61 Mn |
| Dec 31, 2018 | 508.82 Mn |
| Dec 31, 2017 | 266.85 Mn |
| Dec 31, 2016 | 55.18 Mn |