X Financial (XYF) Invested Capital (2016 - 2025)

X Financial (XYF) recorded quarterly Invested Capital of $1.2 billion in Q4 2025, up 14.69% quarter-over-quarter from $1.0 billion in Q4 2024, and up 14.69% on a YoY basis from $1.0 billion in Q4 2024.

X Financial (XYF) Invested Capital (2016 - 2025) Analysis & Trends

X Financial's Invested Capital history runs 10 years deep, the most recent figure standing at $1.2 billion for 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 10.41% from the prior year.
  • Invested Capital was $1.2 billion for Q4 2025 at X Financial, up from $1.0 billion in the prior quarter.
  • In the past five years, Invested Capital ranged from a high of $1.2 billion in Q4 2025 to a low of $622.0 million in Q4 2021.
  • Historically, Invested Capital has averaged $871.5 million across 5 years, with a median of $890.6 million in 2023.
  • The sharpest annual moves came in 2021 and 2022: Invested Capital soared 34.01% in 2021, then rose 7.44% in 2022.
  • A 5-year view of Invested Capital shows it stood at $622.0 million in 2021, then gained by 7.44% to $668.3 million in 2022, then surged by 33.25% to $890.6 million in 2023, then climbed by 13.83% to $1.0 billion in 2024, then rose by 14.69% to $1.2 billion in 2025.
  • The last three Invested Capital figures came in at $1.2 billion (Q4 2025), $1.0 billion (Q4 2024), and $890.6 million (Q4 2023), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Invested Cap. (Qtr)
1 Visa 541.66 Bn 529.25 Bn - 59.66 Bn
2 Mastercard 437.55 Bn 427.34 Bn - 8.47 Bn
3 American Express 212.80 Bn 158.76 Bn 17.43 Bn 92.75 Bn
4 Capital One Financial 112.47 Bn 35.97 Bn - 112.26 Bn
5 PayPal Holdings 37.70 Bn 28.36 Bn 7.84 Bn 30.90 Bn
6 Synchrony Financial 24.26 Bn 3.70 Bn - 32.91 Bn
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 Mn 3.78 Bn
8 SoFi Technologies 20.46 Bn 17.06 Bn 929.25 Mn 12.63 Bn
9 Ally Financial 13.30 Bn 12.86 Bn 1.98 Bn 32.96 Bn
10 X Financial 162.02 Mn 22.77 Mn 137.63 Mn 1.16 Bn

Historic Data

Download Data
DateValue
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