X Financial (XYF) Invested Capital (2023 - 2025)

X Financial (XYF) posted quarterly Invested Capital of $57.7 million for Q4 2025, up 26.26% year-over-year from $45.7 million in Q4 2024, and up 26.26% quarter-over-quarter from $45.7 million in Q4 2024.

X Financial (XYF) Invested Capital (2023 - 2025) Analysis & Trends

X Financial's Invested Capital history runs 3 years deep, the most recent figure standing at $57.7 million for Q4 2025.

  • In Q4 2025, Invested Capital rose 26.26% year-over-year to $57.7 million; the TTM figure through Dec 2025 stood at $57.7 million (up 26.26% YoY), while the FY2025 annual figure was $57.0 million, up 24.65% from the prior year.
  • Invested Capital for Q4 2025 stood at $57.7 million, up from $45.7 million in the prior quarter.
  • The five-year high for Invested Capital was $78.5 million in Q4 2023, with the low at $45.7 million in Q4 2024.
  • The 3-year median for Invested Capital is $57.7 million (2025), against an average of $60.6 million.
  • The sharpest annual moves came in 2024 and 2025: Invested Capital sank 41.72% in 2024, then gained 26.26% in 2025.
  • X Financial's Invested Capital stood at $78.5 million in 2023, then tumbled by 41.72% to $45.7 million in 2024, then advanced by 26.26% to $57.7 million in 2025.
  • Business Quant data shows XYF's Invested Capital at $57.7 million in Q4 2025, $45.7 million in Q4 2024, and $78.5 million in Q4 2023.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Invested Cap. (Qtr)
1 Visa 618.21 Bn 605.85 Bn - 3.00 Bn
2 Mastercard 506.53 Bn 493.04 Bn - 2.46 Bn
3 American Express 232.32 Bn 183.00 Bn 17.99 Bn 2.03 Bn
4 Capital One Financial 136.19 Bn 81.48 Bn - -
5 PayPal Holdings 52.34 Bn 41.08 Bn - 2.51 Bn
6 Eason Technology 35.89 Bn 35.89 Bn - 4.86 Mn
7 Synchrony Financial 26.09 Bn 9.90 Bn - -
8 Affirm Holdings 25.93 Bn 24.20 Bn - -
9 SoFi Technologies 23.04 Bn 22.68 Bn -41.62 Mn 1.81 Bn
10 X Financial 1.29 Bn 989.81 Mn 137.63 Mn 57.74 Mn

Historic Data

Download Data
DateValue
Dec 31, 2025 57.74 Mn
Dec 31, 2024 45.73 Mn
Dec 31, 2023 78.47 Mn