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
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