X Financial (XYF) Notes Payables (2018 - 2026)
X Financial (XYF) posted quarterly Notes Payables of $57.7 million for Q4 2025, up 26.26% year-over-year from $45.7 million in Q4 2024, and down 27.42% quarter-over-quarter from $79.6 million in Q3 2025.
Analysis
X Financial (XYF) Notes Payables (2018 - 2026) Analysis & Trends
X Financial's Notes Payables history runs 8 years deep, the most recent figure standing at $57.7 million for Q4 2025.
- In Q4 2025, Notes Payables 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 $58.6 million, up 30.13% from the prior year.
- Notes Payables for Q4 2025 stood at $57.7 million, down from $79.6 million in the prior quarter.
- The five-year high for Notes Payables was $91.4 million in Q2 2023, with the low at $3.0 million in Q2 2022.
- The 5-year median for Notes Payables is $56.9 million (2025), against an average of $47.6 million.
- The sharpest annual moves came in 2022 and 2023: Notes Payables slumped 88.99% in 2022, then surged 2960.68% in 2023.
- X Financial's Notes Payables stood at $26.0 million in 2021, then sank by 62.09% to $9.9 million in 2022, then jumped by 694.92% to $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 Notes Payables at $57.7 million in Q4 2025, $79.6 million in Q3 2025, and $56.0 million in Q2 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) |
|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn |
| 10 | X Financial | 433.08 Mn | 145.32 Mn | 84.09 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 58.39 Mn |
| Mar 31, 2026 | 51.30 Mn |
| Dec 31, 2025 | 57.74 Mn |
| Sep 30, 2025 | 79.56 Mn |
| Jun 30, 2025 | 56.05 Mn |
| Mar 31, 2025 | 83.17 Mn |
| Dec 31, 2024 | 45.73 Mn |
| Sep 30, 2024 | 61.77 Mn |
| Jun 30, 2024 | 65.29 Mn |
| Mar 31, 2024 | 60.18 Mn |
| Dec 31, 2023 | 18.06 Bn |
| Sep 30, 2023 | 76.41 Mn |
| Jun 30, 2023 | 91.39 Mn |
| Mar 31, 2023 | 67.38 Mn |
| Dec 31, 2022 | 9.87 Mn |
| Sep 30, 2022 | 12.68 Mn |
| Jun 30, 2022 | 2.99 Mn |
| Mar 31, 2022 | 18.85 Mn |
| Dec 31, 2021 | 26.04 Mn |
| Sep 30, 2021 | 11.65 Mn |