X Financial (XYF) Other Operating Expenses (2017 - 2025)

X Financial (XYF) recorded quarterly Other Operating Expenses of $200.4 million in Q4 2025, up 186.87% quarter-over-quarter from -$230.7 million in Q3 2025, and up 28.93% on a YoY basis from $155.4 million in Q4 2024.

X Financial (XYF) Other Operating Expenses (2017 - 2025) Analysis & Trends

X Financial's Other Operating Expenses history runs 9 years deep, the most recent figure standing at $200.4 million for Q4 2025.

  • In Q4 2025, Other Operating Expenses rose 28.93% year-over-year to $200.4 million; the TTM figure through Dec 2025 stood at -$452.9 million (down 185.3% YoY), while the FY2025 annual figure was $808.4 million, up 54.4% from the prior year.
  • Other Operating Expenses was $200.4 million for Q4 2025 at X Financial, up from -$230.7 million in the prior quarter.
  • In the past five years, Other Operating Expenses ranged from a high of $200.4 million in Q4 2025 to a low of -$230.7 million in Q3 2025.
  • Historically, Other Operating Expenses has averaged $60.1 million across 5 years, with a median of $93.1 million in 2021.
  • The sharpest annual moves came in 2023 and 2025: Other Operating Expenses surged 58.0% in 2023, then plunged 290.17% in 2025.
  • A 5-year view of Other Operating Expenses shows it stood at $70.6 million in 2021, then surged by 31.36% to $92.7 million in 2022, then jumped by 35.3% to $125.4 million in 2023, then gained by 23.96% to $155.4 million in 2024, then increased by 28.93% to $200.4 million in 2025.
  • The last three Other Operating Expenses figures came in at $200.4 million (Q4 2025), -$230.7 million (Q3 2025), and -$227.8 million (Q2 2025), per Business Quant data.

Peer Comparison

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

Historic Data

Download Data
DateValue
Dec 31, 2025 200.41 Mn
Sep 30, 2025 -230.69 Mn
Jun 30, 2025 -227.79 Mn
Mar 31, 2025 -194.84 Mn
Dec 31, 2024 155.44 Mn
Sep 30, 2024 145.92 Mn
Jun 30, 2024 119.78 Mn
Mar 31, 2024 109.82 Mn
Dec 31, 2023 125.40 Mn
Sep 30, 2023 127.42 Mn
Jun 30, 2023 100.89 Mn
Mar 31, 2023 95.41 Mn
Dec 31, 2022 92.68 Mn
Sep 30, 2022 80.64 Mn
Jun 30, 2022 87.99 Mn
Mar 31, 2022 83.43 Mn
Dec 31, 2021 70.56 Mn
Sep 30, 2021 79.88 Mn
Jun 30, 2021 85.28 Mn
Mar 31, 2021 93.50 Mn