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| 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 |